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...Inc. today for direct access to Demolition Select, a tailored and admitted ins...nding on the size and scope of the demolition operation. What submission mater...

...ers admitted property and fidelity bond options. The form language is responsi...tted?Yes. Property and fidelity/crime bond are placed on admitted paper where ...

...ot eligible) Crime or Fidelity Bond (admitted) Sexual Abuse is include...Services (a Liberty Mutual Company) Bond — National Union Fire Insurance (an...

...and marine • Contractors license bonds • Completed operations • Business...

As an excavation contractor, your clients encounter significant jobsite hazards every time they break ground. From back strains and soft-tissue injuries to severe accidents involving heavy equipment, the exposures are real—and so is the need for dependable Workers Compensation. Novatae Risk Group, working with Empire’s specialized contractors team, offers a focused Excavation Workers Compensation Insurance Program to help you place this challenging class of business. This program is underwritten specifically for excavation and similar high-hazard operations. Whether a client is a start-up, has a history of large losses, or has been declined elsewhere, our underwriting team will evaluate submissions and craft appropriate solutions. We place business with many "A"-rated carriers and access both admitted and non-admitted markets depending on state and risk profile. Contact us at 800-758-8113 to speak with our brokers about Excavation Workers Compensation accounts. Ideal Accounts and Appetite: Experience MODs of 1.30 or greater High-hazard or hard-to-place classifications (excavation, trenching, site prep) Blue, gray, and white collar job types on the same payrolls Accounts currently in state pools or assigned risk funds Distressed, lapsed, or non-renewed accounts New ventures with no prior coverage Multi-state operations — we have market expertise here Other hard-to-place Workers Compensation risks Example fits: a regional excavation contractor with a recent large loss seeking a stable market solution; or a multi-state site-preparation firm moving out of a state fund and needing coordinated coverage across jurisdictions. Coverage Highlights and Advantages: Fast turnaround on quotes and binding for time-sensitive accounts Access to numerous "A"-rated carriers across admitted and E&S markets Standalone Workers Compensation placements tailored to operations Guaranteed cost, dividend, and retrospective (retro) plans available High-deductible and alternative cost-control options Integrated claim handling and custom program servicing Underwriting Requirements: Completed ACORD 130 application 3–4 years of loss runs Details on any large or open losses Supplemental questionnaire when applicable Minimum Premium and Availability: Minimum premium for the program starts at $10,000. We underwrite accounts in most states — including, but not limited to, CA, FL, TX, NY, and PA — and can place business nationwide depending on carrier appetite and the risk profile. Why Work with Novatae Risk Group? Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines Broker with deep experience placing tough Workers Compensation risks. We understand the underwriting and operational challenges brokers face when placing excavation accounts. With broad market access, flexible underwriting, and responsive service, we help you protect clients while keeping accounts competitive. Need an Excavation Workers Compensation quote? Email [email protected] with submission materials or call 800-758-8113 to speak with an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?The program fits excavation contractors with elevated MODs, prior large losses, new ventures, multi-state operations, or those who have been lapsed or non-renewed. It’s built for high-hazard and hard-to-place exposures. Can you help with clients in the state risk pool?Yes. We frequently move accounts out of state pools and into tailored Workers Compensation solutions using competitive admitted and non-admitted markets. What information do you need to get a quote?Provide a completed ACORD 130, 3–4 years of loss runs, details on any large or open losses, and a supplemental questionnaire if requested. Is the program available nationwide?Yes — the program is available in most states, including CA, TX, FL, and NY. We can write in all 50 states and DC depending on carrier availability and the specific risk details. Do you work with new ventures that have no prior coverage?Absolutely. We have markets that will consider start-ups in the excavation and site-work trades. Need help placing an account? Connect with a market specialist.

...mp solutions, commercial property, bonds, and more—giving agents a one-stop so...

Amwins Underwriting offers two targeted long-term care facilities insurance programs that provide comprehensive professional and general liability solutions for a wide range of senior living operations. Use these programs to place skilled nursing, assisted living, independent living and other long-term care placements that need market capacity, flexible retentions and industry-specific underwriting. Overview of the Programs from Amwins The Amwins programs combine underwriting expertise with tailored coverage options for long-term care facilities. Agents can submit accounts to either: Amwins Program Underwriters' Long-term Care Facilities program — a broad facility program for single-site and multi-location operators; or Amwins Specialty Casualty Solutions' Long-term Care Facilities Risk Retention Group (RRG) program — an RRG option for eligible long-term care operators with higher minimum premiums and program-specific retentions. Ideal Accounts and Appetite Skilled nursing facilities and nursing homes Assisted living and memory-care units Independent living and residential care facilities Senior housing and continuing care retirement communities (CCRCs) For-profit and not-for-profit operators, from single locations to larger organizations with multiple sites Typical fit: accounts with at least 20 beds (Amwins Program Underwriters requirement), organized clinical and risk-management programs, and exposure profiles that match the program limits and retention structures. Accounts with complex, high-severity exposure or regulatory concerns should be discussed with underwriting before submission. Coverage Highlights and Advantages Primary professional and general liability limits up to $1,000,000 per claim / $3,000,000 aggregate (higher limits and excess/umbrella layers available). First-dollar coverage through higher self-insured retentions considered, allowing flexible retention structures. RRG program includes professional + general liability at $1,000,000 / $3,000,000, employee benefit liability, sexual abuse liability, sub-limits as needed, corridor deductibles and claims-made options. Excess umbrella capacity up to $5 million for qualifying accounts through the primary program. Underwriters experienced with long-term care exposures and regulatory trends—practical placement guidance for agents who manage senior care books. Underwriting Notes and Minimum Premiums Amwins Program Underwriters: Minimum premium = $25,000. Account-level minimums apply; multi-location organizations are considered based on aggregate beds and loss experience. Amwins Specialty Casualty Solutions (RRG): Minimum premium = $50,000. RRG submissions typically require a more detailed underwriting package and review of historical loss runs and risk-control practices. Self-insured retentions start at $25,000 and can be higher; corridor (inner aggregate) retentions and other structured retentions are available in the RRG program. Coverage form: both occurrence and claims-made features may be available depending on the program and placement; confirm with underwriting on submission. Territories and Availability These programs write business across a broad set of states. Availability includes: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI and WY. Confirm state-by-state eligibility and any admitted/non-admitted requirements with underwriting prior to submission. Why Work With Amwins on Long-Term Care Business Specialized underwriting teams focused on long-term care exposures and senior housing operations. Flexible limits, retentions and excess capacity to match diverse client needs. Programs designed to handle multi-location accounts and a range of organizational structures (for-profit and non-profit). Practical placement guidance for agents: clear appetite, minimums and documentation expectations to speed underwriting decisions. Example submissions that fit well You might have a regional assisted living operator with three locations (total >50 beds) seeking $1M/$3M primary limits and an umbrella — the primary program can provide limits and excess capacity with structured retentions. You might place a single-site skilled nursing facility with strong risk-control programs that prefers an RRG solution and is prepared for a $50,000 minimum premium and a higher self-insured retention. Frequently Asked Questions What types of accounts are a good fit for Amwins' long-term care programs?Accounts that fit include skilled nursing, assisted living, independent living, residential care and senior housing—both for-profit and not-for-profit. The primary program typically requires at least 20 beds; the RRG targets larger or more sophisticated accounts that can meet its minimums and retention structures. What are the minimum premiums and typical retentions?The Amwins Program Underwriters' program has a minimum premium of $25,000. The Amwins Specialty Casualty Solutions RRG program has a minimum premium of $50,000. Self-insured retentions generally start at $25,000 and can be higher; corridor deductibles and other structured retentions are available depending on the program. What limits and coverages are available?Primary limits are commonly $1,000,000 per occurrence / $3,000,000 aggregate. Excess/umbrella capacity up to $5 million is available through the primary program. The RRG includes professional + general liability, employee benefit liability and sexual abuse liability, with sub-limits and claims-made options as needed. Which states can I place with these programs?These programs write in a broad range of states (AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY). Always confirm state eligibility and any admitted/non-admitted conditions with underwriting before submission. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers property and liability coverages on a mono-line or package basis for contractors who perform excavation and land grading operations. This program is tailored to contractors and operators engaged in site preparation, lot grading, trenching and similar earthwork. It is not intended for public street or road construction, mining operations, installation or removal of underground tanks, landfills, dam or tunnel construction, or snow removal operations. Overview of the Excavation Insurance Program from Colonial General Insurance Agency, Inc. This program provides flexible solutions for agents placing excavation and grading risks. Available through Colonial General as a managing general agent and excess & surplus lines broker, the program offers both property and commercial general liability coverages with admitted and non-admitted market access depending on the state and risk profile. Carriers vary by account and there are selective admitted markets where available. Ideal Accounts and Appetite Small to mid-sized excavation and grading contractors Operators performing site work for residential and commercial developments (excluding public road or heavy civil projects) Contractors that own and operate their equipment and require contractor's equipment coverage Accounts needing package solutions combining property, equipment, and liability limits Typically not a fit: large heavy civil contractors, mining, tunnel or dam work, landfill operators, underground tank removal projects, public street/road construction, or snow removal operations. Coverage Highlights and Advantages Coverage options are designed for placement flexibility and include: Property Coverage available for excavation insurance: • Accounts Receivable • Basic, Broad, or Special Form • Building • Business Income • Business Personal Property • Computer Equipment • Contractor's Equipment • Equipment Breakdown • Outside Signs • Replacement Cost or Actual Cash Value • Valuable Papers Commercial General Liability Coverage available: • Primary limits up to $3 million occurrence and aggregate • $5,000 Medical Payments Coverage—Included • Additional Interests—$100 each • Excess or Umbrella limits up to $25 million • $1,000 minimum deductible required Crime Coverage available: • Inside the Premises—Theft of Money and Securities • Inside the Premises—Robbery or Safe Burglary of Other Property • Outside the Premises Underwriting Notes and Minimum Requirements Minimum deductible: $1,000 (as a program requirement for liability placement). Limits: primary GL available up to $3M with umbrella/excess options to $25M—subject to carrier approval. Underwriting focuses on experience, loss history, scope of operations, equipment values, and site-specific exposures (e.g., shoring, trenching near utilities). Submission requirements typically include contractor’s application, loss runs, equipment schedule, and a description of operations and project types. Territories and Availability Available in AZ, CA, CO, ID, NV, NM, UT, and WY. Some coverages are offered through admitted markets where available; other placements may be written non-admitted depending on state and carrier appetite. Why Work With Colonial General on Excavation Business Specialized underwriting for excavation and grading contractors through an experienced MGA/E&S broker. Package capability to combine property, equipment, crime and liability coverages for a more complete placement. Access to multiple carrier markets to secure competitive limits, including umbrella/excess follow-form options. Practical appetite guidance to help you avoid non-fit accounts and improve placement speed. Sample accounts that fit this program A residential site contractor performing grading, pad preparation and utility trenching for single-family lots with owned compactors, excavators and skid steers. A commercial site work subcontractor hired for earthmoving and drainage installation on a shopping center project (non-public road work), requiring contractor’s equipment and GL limits with an umbrella. Submission Tips Provide a detailed operations description and equipment schedule up front. Include five years of loss runs when available and explain any recent large losses. Identify any subcontracted work and whether the insured performs utility excavation or trench shoring. Note project types that are excluded by the program (public roads, mining, tunnels, landfills, etc.) to avoid delays. Frequently Asked Questions What types of excavation contractors are a good fit for this program?Contractors focused on site preparation, lot grading, trenching and general earthwork for residential and commercial projects (not public road or heavy civil work) are the primary fit. Those who own and operate their equipment and have manageable loss history are preferred. What limits and deductibles can I expect to place?Primary GL limits are available up to $3 million (occurrence and aggregate) with excess/umbrella capacity to $25 million. The program requires a $1,000 minimum deductible for liability; specific deductible and limit combinations depend on carrier underwriting. Are there operations or exposures that this program will not accept?Yes. Typical exclusions include public street/road construction, mining, tunnel or dam construction, landfills, underground tank installation/removal, and snow removal operations. Large heavy civil or specialty hazardous operations are also outside the appetite. What documentation should I include with a submission?Provide a completed application, current equipment schedule, five years of loss runs, and a clear description of operations and project types. Notes on subcontractor use and safety/shoring procedures help expedite underwriting. Is this program admitted in all states listed?Colonial General places coverage through admitted markets where available and uses non-admitted markets as needed. Availability varies by state—AZ, CA, CO, ID, NV, NM, UT and WY are served by the program. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers Accountants Professional Liability Insurance tailored to meet the needs of accounting professionals and firms of all sizes. Overview of the Program From Colonial General Colonial General is a trusted Managing General Agency and Excess & Surplus Lines Broker with access to a variety of carriers, providing flexible solutions for accountants' professional liability exposures. This program is designed to help independent agents place coverage for accounting firms facing risks related to errors, omissions, or negligence in the performance of professional services. Whether your client is a sole practitioner or a mid-sized accounting firm, Colonial General can help you find the right fit. Ideal Accounts and Appetite This program is suited for a broad range of accounting professionals, including: Certified Public Accountants (CPAs) Bookkeepers and tax preparers Small to mid-sized accounting firms Firms providing audit, consulting, or advisory services Accounts with a clean loss history and a focus on traditional accounting services are typically a strong fit. Higher-risk exposures such as forensic accounting or investment advisory services may require additional underwriting. Coverage Highlights and Advantages Colonial General’s Accountants Professional Insurance program provides protection against claims alleging negligence, errors, or omissions in the delivery of professional accounting services. Key features include: Limits available starting at $100,000/$300,000 Various deductible options to suit different risk appetites First Dollar Defense available depending on carrier approval Claims Expense Outside the Limits may be offered based on carrier discretion Coverage terms and premiums will vary depending on the carrier and specific risk profile of the insured. Underwriting Notes and Minimum Premiums Each submission is underwritten based on the size, scope, and services of the accounting firm. Clean operations with clearly defined service offerings and low claims frequency are typically easier to place. While minimum premiums are not specified, competitive pricing is available for qualifying risks through Colonial General’s carrier network. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General has access to both admitted and non-admitted markets, depending on the specific risk and jurisdiction. Why Work With Colonial General With deep expertise in professional liability and access to a variety of national and regional carriers, Colonial General provides agents with responsive service and flexible options for placing hard-to-place or niche accounting risks. Their team understands the unique exposures faced by today’s accounting professionals and works closely with agents to deliver tailored coverage solutions. Learn more about Colonial General Insurance Agency, Inc. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for CPAs, bookkeeping firms, tax preparers, and small to mid-sized accounting firms providing traditional accounting services. Are First Dollar Defense and Claims Expense Outside the Limits included?These features may be available depending on the carrier and underwriting review. Availability is determined on a case-by-case basis. Can this program cover firms with prior claims?Firms with prior claims may still be eligible, but underwriting will evaluate the severity, frequency, and nature of past claims before making a decision. In which states is this program available?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What documentation is needed to submit an account?Typically, an application, firm brochure or website, and loss runs (if applicable) are required. Additional documents may be requested based on the submission. Need help placing an account? Connect with a market specialist.