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Marine General Liability Insurance Program from LIG Marine Managers, Inc. LIG Marine Managers, Inc. offers a dedicated Marine General Liability Insurance package for middle-market commercial marine risks. The program combines specialized underwriting, flexible placement (admitted and non-admitted), and streamlined administration to help you place complex marine liability exposures across a wide range of classes. Ideal Accounts and Target Classes This program targets commercial marine accounts with annual premiums between approximately $10,000 and $150,000. Typical classes we write include: Boat repairers and ship repair facilities Diving and underwater contractors Dock, pier and waterfront construction companies Dredging contractors Marine and waterfront contractors Shipyards and boatyards Stevedores and longshore operations Terminal operators and cargo handlers Wharfingers and landing owners The program is well suited for clients with specialized liability exposures tied to hull operations, marine construction, waterfront property, and cargo/terminal activities. Coverage Highlights and Advantages You can place coverage on a monoline basis or combine lines to create a tailored package. Key coverage components include: Section 1 – $1,000,000 Combined Single Limit (CSL): Marine General Liability Ship Repairers Legal Liability Stevedores and Terminal Operators Liability Tankerman’s Liability Wharfingers and Landing Owners Legal Liability Protection & Indemnity (P&I) with optional crew coverage Section 2 – Up to $4,000,000 Combined Limit (and higher): Hull Marine equipment Builders’ risk for marine construction Excess/Umbrella: Limits available up to $10,000,000. Program Advantages for Agents Consistent carrier panels and a single-program structure to simplify placement. Faster quoting and streamlined underwriting for middle-market risks. Dedicated claims adjuster assigned across participating carriers where possible. Consolidated claims handling — a single check is issued for most claims once approved by the lead carrier. Enhanced commission opportunities for producers delivering a steady flow of marine business. Underwriting Notes and Minimum Premium The program’s minimum premium starts at $10,000. LIG’s underwriters evaluate technical exposures and structure limits and endorsements to match an insured’s operations. While the appetite is broad across typical marine classes, high-hazard accounts with large environmental or pollution exposures, chronic loss history, or operations outside the middle-market scope may require referral or alternate placement. Territories and Placement Options The program is available nationwide — all 50 states and the District of Columbia — and offers both admitted and non-admitted placement depending on state requirements and the account’s profile. Carrier participation varies by risk and state. Why Place Marine General Liability with LIG Marine Managers? As a specialized Managing General Agency and Excess & Surplus Lines broker, LIG brings decades of marine experience and direct access to multiple markets. Their team offers focused underwriting, efficient turnarounds, and consolidated claims service that make it easier for you to place complex marine liability and related lines for middle-market clients. Example accounts that fit this program A regional shipyard that performs vessel repair and dry-docking, seeking combined GL, ship repairers legal liability, and P&I limits. A marine construction contractor doing dock and pier projects and dredging work that needs builders’ risk, GL, and terminal/stevedore liability in a single placement. Please contact us today for more information on our Marine General Liability Package Program! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for middle-market commercial marine risks such as boat repairers, shipyards, marine contractors, dredging operations, stevedores, and terminal operators with annual premiums starting at about $10,000. Can coverage be written on a monoline basis?Yes. Most coverages can be written monoline or bundled with other marine lines to match the specific exposures of your insured. What limits are available under this program?Section 1 typically offers a $1,000,000 CSL. Section 2 can provide up to $4,000,000 or higher for hull, equipment, and builders’ risk, with excess/umbrella options up to $10,000,000. Which states is this program available in?The program is available in all 50 states and the District of Columbia. Placement can be admitted or non-admitted depending on the state and risk profile. What makes LIG Marine Managers different from other MGAs?LIG combines marine-specialist underwriting with a consistent carrier panel, streamlined quoting, and consolidated claims handling — making it easier for agents to place and service complex marine risks. Need help placing an account? Connect with a market specialist.

Contractors Pollution Liability Insurance from Environmental Underwriting Solutions Environmental Underwriting Solutions offers a focused Contractors Pollution Liability (CPL) program that helps agents place pollution liability for contractors working on construction, remediation, and maintenance projects. Available on both claims-made and occurrence forms, this program provides third-party coverage for bodily injury and property damage, defense costs, and pollution cleanup — for sudden accidents as well as gradual releases, including mold and fungi exposures. Ideal Accounts and Target Classes This CPL program fits a broad range of contractor accounts, from environmental specialists to general and specialty trades. Typical classes include: Asbestos and lead abatement contractors Remediation and emergency response firms Storage tank installation, removal, and fuel-handling contractors Painting, plumbing, electrical, HVAC, and insulation contractors General construction, carpentry, roofing, and artisan trades Grading, excavation, drilling, dredging, and pipeline work Mold remediation, industrial cleaning, and septic services Example placements you might bring to this program: a small residential remodeling contractor whose work includes mold remediation and HVAC modifications, or a mid-size oilfield contractor performing tank removals and site restoration that needs pollution liability with transportation and completed operations limits. Coverage Highlights and Advantages This CPL offering emphasizes broad, flexible protection designed for contractor exposures: Broad definition of pollution conditions that explicitly includes mold and fungi Third-party property damage and bodily injury, plus legal defense and cleanup costs Coverage for natural resource damages under Property Damage where applicable Transportation Pollution Liability option for exposures in transit Emergency response costs included Blanket coverage for non-owned disposal sites Project-specific excess and long-term tail/completed operations options for project placements No automatic exclusions for construction defects or water intrusion (subject to underwriting) Available for both owned and leased locations; occurrence forms include built-in completed operations Underwriting Notes and Minimum Premium Environmental Underwriting Solutions partners with multiple carriers to match risk characteristics to appropriate markets. Appetite is broad, but underwriting varies by carrier — typical factors include the contractor’s trade, past loss history, project types, waste handling practices, and subcontractor controls. The program can be placed on either claims-made or occurrence forms depending on the carrier and client needs. Minimum premium for the CPL program starts at $500, which makes the program accessible for small contractors while scaling for larger, more complex accounts. Territories and Program Availability This program is available in most states, including CA, TX, FL, NY, IL, WA, PA, and GA. Environmental Underwriting Solutions offers admitted options in many jurisdictions and can place non-admitted business where appropriate to meet client needs. Why Work With Environmental Underwriting Solutions? As a wholesale broker with deep environmental expertise, Environmental Underwriting Solutions gives agents access to competitive markets and practical underwriting guidance for pollution risks. You’ll get responsive service, flexible program structures (project-specific or packaged), and help identifying carriers that fit each contractor’s operations. Contact us for more information on our Contractors Pollution Liability program! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for general contractors, environmental contractors, and specialty trades performing remediation, abatement, plumbing, HVAC, roofing, grading, and industrial cleaning who need pollution liability protection for third-party claims and cleanup costs. Is mold coverage included in this CPL program?Yes. The program’s broad definition of pollution conditions includes mold and fungi exposures. Coverage can be written on either a claims-made or occurrence basis, depending on carrier availability and the client’s needs. Are project-specific policies available?Yes. Project placements can include completed operations language and long-term tail coverage where needed, making the program suitable for both single-project placements and ongoing operations accounts. What is the minimum premium for this coverage?The program’s minimum premium starts at $500, allowing you to place smaller contractor accounts as well as larger risks that require higher limits or specialized terms. In which states is this program available?The program is available in most U.S. states, including CA, TX, NY, FL, IL and others. Admitted options are available in many jurisdictions; non-admitted placement is used where appropriate. Need help placing an account? Connect with a market specialist.

Construction & Contractors Insurance Program from Kaigler & Company Kaigler & Company offers a flexible construction and contractors insurance program available nationwide. Designed for accounts that are difficult to place in standard markets, the program pairs experienced underwriting with access to multiple specialty carriers to help you place complex or high-hazard construction risks with confidence. Ideal Accounts and Appetite This program fits both general and trade contractors, especially those that need a specialized market. Typical guidelines include: General contractors with substantial subcontracting (up to 95% subcontracted work) Trade contractors with limited subcontracting (generally up to 20%) Heavy construction and infrastructure contractors with elevated hazard profiles Target classes include roofing, structural steel erection, bridge/street/road and pipeline construction, excavation, millwright services, marine and wet work, cranes and rigging, and high-steel operations. Kaigler & Company will consider both small town trades and large infrastructure contractors when their exposures match the carrier appetites. Coverage Highlights and Advantages The program emphasizes primary general liability and umbrella/excess capacity tailored to construction exposures. Working with multiple carriers allows underwriters to customize limits, endorsements, and terms for operations involving hot work, work at elevation, over-water exposures, heavy equipment, or other elevated hazards. Examples of accounts that may be a good fit: A roofing contractor with prior claim activity that needs a market for renewal. A bridge contractor performing work over water that requires coordinated GL and excess limits. Underwriting Notes and Minimum Premiums Kaigler & Company focuses on “semi-tough” accounts—those that were declined or limited in standard markets but remain insurable with specialized underwriting. Artisan and tradesmen submissions generally begin at a minimum premium of $5,000. Underwriters are comfortable with detailed submissions that include loss runs, safety programs, and subcontractor oversight practices. Territories and Availability The program is available in all 50 states and the District of Columbia. Kaigler & Company can place business in coastal, inland, and remote regions by leveraging non-admitted capacity where appropriate. Why Work With Kaigler & Company? Kaigler & Company combines construction-specific underwriting expertise with access to multiple specialty markets. Their flexible approach and non-admitted options give agents more ways to place higher-risk or unusual accounts. If you need a market for complex construction exposures, Kaigler & Company aims to provide practical solutions and responsive service. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for general and trade contractors, including those with higher-risk operations such as roofing, steel erection, marine work, and infrastructure construction. Is this program available in all states?Yes. Kaigler & Company offers this construction program in all 50 states and the District of Columbia. What is the minimum premium for this program?Tradesmen and artisan contractor accounts generally start at a minimum premium of $5,000. Does the program accept accounts with a high percentage of subcontracted work?Yes. The program can accommodate general contractors with up to 95% subcontracted work and trade contractors with up to about 20% subcontracting, depending on the class and other risk factors. What coverage lines are available through this program?Primary general liability and umbrella/excess coverage are the core offerings, with tailored terms for construction-specific exposures. Need help placing an account? Connect with a market specialist.

Contractors Pollution Liability (CPL) insurance helps protect contractors against liabilities arising from pollution incidents related to their work. It covers the costs associated with cleanup, restoration, and legal defense in case of environmental damage caused by the contractor's operations. CPL insurance is particularly relevant for contractors in industries such as construction, excavation, remediation, and waste management, where the risk of pollution incidents is high. This insurance provides contractors with financial protection and helps them meet contractual obligations that often require pollution liability coverage. It is an essential safeguard for contractors, mitigating the potential financial consequences of environmental accidents. Benefits Construction and remediation operations, whether performed by the contractor or subcontractor. Claims alleging improper supervision of subcontractors. Third-party bodily injury. Third-party property and environmental damage. Clean up costs for pollution both on and migrating from the work site. Protection against claims for clean up costs where mandated by a governmental agency. We can help you provide you and your clients with business solutions for the following classes of business: General Contractors Street and Road Contractors Maintenance, Marine and Mechanical Contractors Electrical Contractors Wrecking and Demolition Contractors Trade Plumbing, HVAC and Industrial Contractors Environmental Remediation Contractors Response Action/Emergency Spill Response Contractors Water, Sewer, Pipeline and Communications Contractors Excavation Contractors Concrete Contractors Water Well Drilling Contractors Lawn and Garden Services Contractors Carpet and Upholstery Cleaning Contractors Roofing, Siding and Sheet Metal Work Contractors and more… Highlights Applies to pollution conditions caused by contractors operations. Underwritten on a blanket or project specific basis. Offers coverage to contractors that most standard general liability programs specifically exclude. Coverage can be expanded to include Microbial Matter (mold& fungus), Non Owned Disposal Site Coverage, TPL, Professional Liability, Legal defense and Terrorism Coverage.