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BERT Emergency Response Training: BERT International is a non profit organization that prepares business managers and executives to take care of themselves and their families during large scale emergencies until first responders arrive. The company offers online and in person training for anyone who wants to be more prepared during active shooter events, natural disasters and other emergencies that affect the workplace. Mission/Purpose: BERT Emergency Response Training's mission is to develop the expertise, relationships and tools to help you prepare for, respond to and recover from large scale emergencies.… alleviating fear since 2008 Key Facts: • BERT stands for Business Emergency Response Training. • During its training, BERT reminds civilians to: Be Calm, Evaluate and Plan, Review for safety concerns and Take Action • BERT works with business leaders and first responders to form a team approach to successfully managing an unexpected disaster or event. BERT Emergency Response Training Participant Testimonial : ...the other day I watched a wreck on I-10 where a car hit a truck and sent it out of control to where it flipped into the other lane. Your course kicked in.... Me and my guy jumped out of our truck I told him to call 911 and get that handled and I ran to the old man in the truck. A lady stopped and asked what she could do... I sent her to my truck and gave her my employee's name to ask for my first aid box. The others came up and asked, I had them directing traffic until authorities came up and I was putting bandages on the 92 year old head to stop the bleeding. Then another man came up with a medical kit and I asked if he had any training and he had first responders cert so I then stepped back and took direction from him until the medical staff got there to take him to the hospital. The old man never passed out and never complained. The rail of the truck or the strut that holds the roof bent down and scalped the old man when the truck flipped. After it was over, I thought of your (BERT) training and the fact that it all fell into place. To get training and more information about the BERT Foundation and its activities, please contact: Scott Robertson, APR Robertson Communications Corp. 949-212-7096 [email protected] http://www.bertinc.org/

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Electrical Contractors Insurance Program from Legends Environmental Services Legends Environmental Services offers a tailored Electrical Contractors Insurance program designed for the specific exposures faced by electrical, lighting and HVAC trades. Whether your client runs a single-tech electrical repair shop or a multi-crew contractor performing installations, this program provides flexible, customizable solutions placed through AM Best–rated carriers. Ideal Accounts and Appetite This program is a fit for a broad range of electrical-related operations, including: Licensed electrical contractors (residential and light commercial) Electric repair technicians and service electricians HVAC and air-conditioning contractors that perform electrical work Lighting technicians, designers and consultants Heating contractors and construction firms with in-house electrical teams Legends looks to place qualified small to mid-sized businesses that perform installation, repair, maintenance or consulting related to electrical systems. Accounts should meet standard underwriting criteria, carry appropriate licensing, and generally start at a minimum premium of $4,500. Coverage Highlights and Advantages The program offers core protections commonly required by contractors, with options to tailor limits and endorsements to client needs: General Liability (GL): Third-party bodily injury and property damage, products/completed operations and defense costs — available standalone or within a BOP. Business Owners Policy (BOP): Bundled GL and commercial property coverages, with options for business interruption for eligible risks. Workers’ Compensation: Coverage for employee injuries and related statutory exposures. Commercial Auto: Liability and physical damage for vehicles used to transport crews, tools and equipment. Additional customization can address equipment breakdown, inland marine for tools and contractor’s equipment, loss of business income, and limits or endorsements that mitigate exposure from alleged faulty installations or on-site accidents. Underwriting Notes and Minimum Premiums Underwriting emphasizes well-managed operations with documented safety programs, licensed staff, and clear scopes of work. The program generally targets accounts with clean loss histories and reasonable exposure control. The minimum premium for placement begins at $4,500; final pricing depends on territory, operations, payroll, and loss history. Territories and Availability This program is available in most U.S. states, including but not limited to CA, TX, FL, NY, IL, PA, and WA. Availability may vary by coverage line and state regulation. Coverages are written through admitted markets in most available territories. Why Work With Legends Environmental Services? As both a general agency and carrier, Legends provides agents with direct underwriting expertise and market access to AM Best–rated carriers. Their industry focus on electrical, HVAC and lighting trades helps agents place accounts more efficiently, with package options and flexible endorsements that match real contractor exposures. Practical placement examples: You might have a client who is a licensed residential electrician performing panel upgrades and small remodel work — this program can provide GL and tools coverage within a BOP structure. Or you may represent a regional lighting consultant who installs commercial lighting retrofits — available options include completed operations coverage and commercial auto for transporting equipment. If you need help determining fit or obtaining a quote, connect with a market specialist to review underwriting guidelines and submission requirements. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include licensed electrical contractors, HVAC technicians who perform electrical work, lighting consultants, electric repair shops, and small construction firms with in-house electrical teams. What is the minimum premium for this program?The program typically starts at a minimum premium of $4,500, though the final premium depends on the operation’s size, payroll, and loss history. Is the program available in all states?The program is offered in most U.S. states. Specific availability can vary by coverage line and state regulations, so check with a market specialist for your state. Can I access this program without bundling a full Business Owners Policy?Yes. In many cases general liability can be placed standalone depending on eligibility and underwriting requirements; however, BOP packaging is available for eligible accounts. What carriers are used in this program?All coverages are placed through AM Best–rated carriers to ensure financial strength and reliable claim handling. Need help placing an account? Connect with a market specialist.