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Overview — National Environmental Coverage Corporation: Monoline Contractors Pollution Liability National Environmental Coverage Corporation (NECC) offers a Monoline Contractors Pollution Liability program designed for contractors who face environmental exposures during construction, remediation, demolition, or maintenance work. This program is intended for independent agents and brokers placing accounts that require targeted pollution liability protection on either an annual or per-project basis. Coverage is available on occurrence or claims-made forms, with options for prior acts (retroactive) coverage where underwriting approval and proof of prior continuous coverage exist. Occurrence or Claims Made Form Nose Coverage and Prior Acts Available Annual & Per Project Policies Defense Costs can be in addition to or included in the policy limits Mold coverage is available (if requested) for most types of contractors Examples of Eligible Classes: Asbestos Abatement Boiler Inspection / Installations Concrete Construction Debris Removal Demolition Dredging Drillers (Not Oil & Gas) Electrical Excavation / Grading of Land Fencing General Contracting Hazardous Materials Heating, Ventilation & AC Industrial Maintenance Insulation / Fire Proofing Landscapers Lead Abatement Liquid Waste Masonry Mechanical Construction Metal Extraction Mold Remediation Painters Paving Pile Driving Plumbing Restoration Rigging Roofing Salvage Operations Sewer & Water Main Soil Remediation Street & Road Maint. Tunneling UST / AST Utility Waste Water Welders And Many More !!!! Coverage Highlights and Advantages Flexible form options: occurrence or claims-made forms to suit the insured’s exposure and placement needs. Prior acts (retroactive) coverage available subject to underwriting and verification of prior comparable coverage. Policy period options: annual master policies or per-project (per job) limits for single-job exposures. Defense costs can be handled inside or outside the policy limit, based on program selections and underwriting. Mold coverage can be added by endorsement for most contractor classes when requested. Standard Limits, Deductibles and Minimums Standard base limits up to $1,000,000 per occurrence with a $1,000,000 policy aggregate (lower limits also available). Limits up to $5,000,000 are available on either an annual or a per-job basis. Minimum deductible: deductibles start at $2,500. Minimum premium: starting at $2,000 (excluding mold). Accounts including mold typically start at $4,000 and up. Taxes and fees are additional where applicable. Underwriting Appetite and Typical Restrictions NECC targets contractors with environmental exposures arising from construction, remediation, demolition, waste handling, and site work. Typical acceptable accounts include general contractors, specialty trade contractors (plumbing, roofing, paving), demolition and asbestos/lead abatement contractors, soil and groundwater remediation contractors, and restoration firms. Accounts with clearly documented controls, strong safety programs, and stable prior coverage histories are preferred. Underwriting may decline or restrict accounts with: ongoing or poorly documented contamination, oil & gas drilling operations, large-scale industrial chemical manufacturing, or histories of repeated pollution incidents. Mold coverage is underwritten separately and is not available for all risks. Territories and Availability This program is available through NECC in the following 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, WV, WI, WY. Availability, terms and capacity will vary by state and by the specific exposures of the risk. This program is non-admitted in certain situations; confirm market status with NECC underwriting for placements in regulated admitted markets. Why Place This Business with NECC Program expertise: NECC focuses on environmental liability for contractors and offers flexible forms and limits suited to construction and remediation exposures. Flexible placement: annual or per-project options let you match coverage to the insured’s operational and contractual needs. Underwriting support: NECC evaluates prior acts requests and mold extensions on a case-by-case basis and can structure defense within or outside limits. Wide class appetite: an extensive list of eligible contractor classes helps you place diverse accounts through a single program. Example Accounts That Fit This Program You have a remediation contractor performing soil excavation and groundwater treatment on multiple small to mid-size sites — consider an annual policy with prior acts if they have continuous claims-made coverage history. A general contractor bidding on a single demolition and asbestos abatement project — a per-project (per job) policy with appropriate limits and a mold endorsement (if requested) can be placed. * This is a brief outline only. Occurrence form CPL and/or CGL is not available for some exposures/risks. Mold coverage extension is not offered for all risks. Security and coverage availability will vary depending on exposure, risk factors & location. The minimum premium is the base for the smallest eligible risk. Taxes and Fees are in addition to premium. Prior Acts (retroactive) coverage requires proof of comparable continuous claims made coverage and is subject to underwriting approval. Some risks may be offered limited retroactive coverage or in some cases no retroactive coverage. Frequently Asked Questions What types of contractor accounts are a good fit for NECC’s Monoline Contractors Pollution Liability program?This program fits contractors with environmental exposures from construction, demolition, remediation, restoration, utility and site-work operations — for example, asbestos/lead abatement, excavation, soil remediation, demolition, plumbing, roofing, and general contracting. High-risk industrial manufacturing or oil & gas drilling are typically not a good fit. Does NECC offer occurrence and claims-made forms, and can prior acts be added?Yes. The program offers both occurrence and claims-made forms. Prior acts (retroactive) coverage is available on a case-by-case basis and requires proof of comparable continuous claims-made coverage and underwriting approval. Can I bind coverage on a per-job basis?Yes. NECC supports both annual policies and per-project (per-job) policies. Per-job placement is commonly used for single-site demolition, abatement or remediation contracts. What are the minimum premium and deductible expectations?Deductibles start at $2,500. The minimum premium typically starts at $2,000 excluding mold; accounts including mold generally start around $4,000 and up. Final premiums depend on exposure, limits, form, and coverage extensions. Need help placing an account? Connect with a market specialist.

Contractors Equipment — Program Overview from AI Risk AI Risk offers a Contractors Equipment program designed for commercial construction companies that own and operate heavy equipment and have exposures to on-site real and personal property loss. This program is underwritten with access to AIG capacity and is intended for agents looking to place equipment fleets and jobsite property accounts that require specialized underwriting and flexible terms. Key Risk Groups Construction firms engaged in excavation, land clearing, steel erection, pile driving, wrecking/blasting, dredging, railroad work, and similar heavy civil and commercial construction projects. Ideal Accounts and Appetite General contractors and specialty contractors with owned equipment schedules (dozers, excavators, cranes, pile drivers, loaders, etc.). Contractors with combined needs for contractors’ equipment plus real and personal property located on active job sites. Mid-size to large projects where equipment values are scheduled and loss control practices are in place. Accounts that typically fit: insureds with documented maintenance programs, centralized equipment reporting, and moderate loss histories. The program is best for contractors that need a market capable of handling mixed equipment classes and on-site property exposures. Coverage Highlights and Advantages Built to cover construction equipment exposures and real & personal property at job sites. Underwriting expertise for higher-hazard construction operations (e.g., pile driving, steel erection, wrecking/blasting) when presented with appropriate risk controls and schedules. Access to AIG capacity for larger or more complex placements. Flexible terms for scheduled equipment and combined property packages — useful for accounts that need consolidated coverage for both equipment and site property. Underwriting Notes and Minimum Premiums When preparing submissions, provide complete equipment schedules, values, maintenance practices, operator qualifications, and loss run histories. The program evaluates accounts on operations, equipment age/condition, storage practices, and prior claim patterns. Minimum Premiums: $1,500 for Construction Equipment. $1,500 for Real and Personal Property. Territories and Availability This program is available through AI Risk in the following 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. Paper is offered in the listed states with access to admitted capacity through AIG where applicable. Typical Restrictions and When to Refer Accounts that may need special handling or referral include those with significant unresolved prior losses, very high catastrophe exposure without mitigations, or unmanaged rental fleets. Large-diameter specialty risks or accounts lacking documentation of operator training and maintenance may require additional underwriting information. Why Place Business with AI Risk Specialized underwriting focus on contractors’ equipment and on-site property exposures. Direct access to AIG capacity for larger or complex placements. Responsive submissions review — AI Risk works with brokers to identify required documentation and tailor terms for combined equipment/property needs. Example Account Scenarios Example 1: You have a regional excavation contractor with a scheduled fleet of excavators, loaders, and a mid-size crane that needs combined equipment and site property coverage for multiple active projects. This program can provide scheduled equipment coverage with limits appropriate for each machine plus on-site real and personal property protection. Example 2: A contractor specializing in pile driving and steel erection needs coverage for highly specialized equipment and mobile jobsite property. With proper loss history and maintenance records, AI Risk can consider these accounts through AIG capacity. Frequently Asked Questions What types of accounts are a good fit for the AI Risk Contractors Equipment program?Accounts with owned construction equipment schedules and on-site real/personal property exposures — especially excavation, land clearing, steel erection, pile driving, wrecking/blasting, dredging, railroad, and similar heavy contractors — are a good fit when they have documented maintenance and reasonable loss history. What minimum premium should I expect when submitting a new account?The program has minimum premiums of $1,500 for Construction Equipment and $1,500 for Real and Personal Property. Larger accounts and higher limits will require standard underwriting and pricing based on exposure. Which states are eligible for placement through this program?AI Risk offers this Contractors Equipment program in the following 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. What information should I include with my submission?Include a complete equipment schedule with values, loss runs (typically 3–5 years), maintenance and operator qualification details, descriptions of operations, and any site-specific risk controls. The more complete the submission, the faster underwriting can assess capacity and terms. Need help placing an account? Connect with a market specialist.

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.

Contract Bonds J.M. Wilson Corp. offers a full suite of Contract Bond solutions through A-rated carriers, helping you secure bonding for a wide range of contractor clients. Whether you're working with new, small, or hard-to-place accounts, we provide access to both standard and non-standard markets to help you place business more easily. Our team is committed to competitive pricing, fast quote turnaround, and responsive underwriting — with most new account submissions reviewed within 24-48 hours. Streamlined Underwriting Process (SUP) Bonds Designed for small or infrequent bond users Bond requests up to $1 million Total work programs up to $1.5 million Larger amounts may be considered Learn more and see requirements! Contractor Bid & Performance Bonds Ideal for public projects over $100,000 Also available for private job owners and smaller projects May be required of subcontractors and suppliers Bid Bonds guarantee contract acceptance if awarded Typically 5-10% of the bid amount Payment Bonds ensure labor and material costs are covered Learn more and see example classes! Subcontractor Bid & Performance Bonds Required by General Contractors, Project Managers, and Owners Protects general contractors in case of subcontractor default Learn more and see example classes! Quick Contract Bonds For projects up to $350,000 per job / $700,000 aggregate Great for new or small contractors Learn more and see coverages! SBA Bonds For small to mid-size contractors unable to access standard bonding markets SBA guarantees 80-90% of the bond penalty Reduces risk for sureties and expands bonding access Learn more and see requirements! Frequently Asked Bond Questions Trouble Obtaining Bonds in the Standard Market? Visit our website, www.jmwilson.com to learn more! Frequently Asked Questions What types of accounts are a good fit for this Contract Bond program?We work with a variety of contractor types, including small or new contractors, subcontractors, and those in need of SBA support. Accounts with bond needs up to $1.5 million are ideal. Can J.M. Wilson help with hard-to-place or non-standard bond requests?Yes. We have access to both admitted and non-admitted markets and specialize in finding solutions for difficult submissions and non-standard accounts. How fast can I expect a quote or response on a new submission?Most new account submissions receive a response within 24–48 hours. We prioritize quick turnaround to help you serve your clients efficiently. Is this program available in my state?Our Contract Bond solutions are available in over 30 states including MI, OH, FL, IL, NY, and more. Contact us to confirm availability in your state. What if my client already has a bond application from another surety?We accept applications from other surety companies and can use them to evaluate new submissions for our markets. Need help placing an account? Connect with a market specialist.

ISR is one of the oldest and largest marine insurance brokerage firms in the United States. At International Special Risks we focus exclusively on marine insurance and provide retail agents and brokers with access to top-rated carriers in both the U.S. and London markets. Our team of experienced marine insurance professionals makes it easier for you to place and service marine accounts, no matter how specialized the exposure. We are the specialists in Marine Insurance! Overview of the Program from International Special Risks Whether your client operates a marina, builds vessels, or transports cargo across international waters, ISR is a wholesale partner that helps you place and market marine business. We offer tailored solutions across hull & machinery, marine liability (including marina operators' legal liability), cargo, P&I exposures, and other marine-specific coverages. ISR handles the marketing and placement work, so you can focus on growing and retaining your marine accounts—even if marine insurance isn’t your specialty. We also offer dedicated in-house marine claims support to help expedite resolution and get your clients back to business quickly. Our combination of specialist underwriting relationships and claims expertise is designed to reduce friction on complex marine losses. Ideal Accounts and Appetite ISR works with a broad range of marine-related risks, including: • Marine Contractors • Diving Contractors • Ferries • Boat Builders • Gaming Vessels • Stevedores • Shipyards • Marinas • Excursion Vessels • Dredging Contractors • High-Valued Yachts • Marine Product Manufacturers • Port Authorities • Cargo Vessels • Marine Terminals • Yacht Clubs • Exporters/Importers • Barge and Tug Operators • Boat Dealers • Oceanographic Vessels • Six-Pack Vessels ISR can place small, family-owned marinas through large commercial shipyards and international cargo operators. Typical fits include accounts with clear marine operations, documented maintenance programs, and commercial or recreational vessels scheduled on the program. Less-standard or highly unusual exposures should be discussed up front — we’ll advise whether they fit our appetite or require a special market approach. Examples you might submit: A regional ferry operator with multiple vessels seeking liability and hull coverage for scheduled passenger runs. A waterfront boatyard that needs marina operators' legal liability, property, and pollution liability coverage for repair and storage operations. Coverage Highlights and Advantages Through ISR, you gain access to A.M. Best–rated carriers in both the U.S. and London markets. Key advantages include: Comprehensive marine programs tailored to class of business and risk profile Custom wordings available for hull & machinery, P&I, cargo, marina operators' liability, and pollution exposures Competitive pricing from admitted and non-admitted markets, when appropriate Efficient, experienced in-house marine claims handling and support Dedicated marketing and placement service to save you time We understand the unique loss exposures in marine operations — from shoreline pollution to vessel damage and cargo claims — and structure placements to address those specific risks. Underwriting Notes and Minimum Premiums ISR’s underwriting process is designed for fast turnaround while ensuring appropriate carrier placement. We work with both admitted and non-admitted markets, depending on state regulations and the nature of the risk. Minimum premiums and retentions vary by class and carrier; contact ISR for guidance on expected minimums and the most efficient placement strategy for your submission. Territories and Availability Our marine insurance solutions are available across most U.S. states, including coastal and inland markets. Coverage is available in the following states: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC. Availability and admitted status may vary by state and coverage line. Why Work With International Special Risks? ISR is a dedicated marine specialist with decades of market presence and established carrier relationships. Our exclusive focus on marine business gives you access to markets and wordings that generalist wholesalers may not offer. We combine underwriting expertise, tailored placement strategies, and in-house claims service to help you place and retain marine accounts with confidence. If you're ready to place a marine account or want a quick review of a submission, contact us today. One of our specialists will respond within one business day. Frequently Asked Questions What types of accounts are a good fit for this program?We specialize in a wide range of marine-related businesses, including marinas, shipyards, diving contractors, ferry operators, and cargo vessel owners. Do you work with admitted or non-admitted carriers?We offer access to both admitted and non-admitted markets. Placement depends on the state, client needs, and the specific class of marine risk. Can you help with claims handling?Yes. ISR provides dedicated in-house marine claims specialists who work to manage and expedite claims for your clients. What is the turnaround time for quotes?We strive for fast responses. In most cases we reply within one business day, though complex accounts may require additional information or time. Is this program available in my state?Our marine solutions are available in nearly all U.S. states, including coastal and inland regions. Contact ISR to confirm availability and admitted status for your specific state. Need help placing an account? Connect with a market specialist.