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Electrical Contractors Insurance Program from ...l construction firms with in-house electrical teams. What is the minimum premi...

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Numerous unexpected challenges can arise when dealing with used vehicles. From advertising liability to inventory protection and employee safety, a used car dealership faces a wide array of exposures that require targeted, comprehensive coverage. Used Car Dealer Insurance Program from Pacific Coast E&S At Pacific Coast E&S Insurance Services, we provide tailored insurance solutions for independent (non-franchised) used car dealerships and on-site repair operations. Many standard carriers avoid these risks because of the potential for large losses; as a wholesale broker we place business with specialty markets that will write these classes. Our underwriting team focuses on practical, flexible coverage options that help agents place accounts other carriers decline. Target Accounts and Ideal Risks • Used automobile and truck dealers • Motor home and RV dealerships • Motorcycle and powersports dealers • Golf cart and neighborhood electric vehicle dealers • Independent electric vehicle sellers This program fits independent, non-franchised dealers that may operate modest service or repair facilities on site and that keep inventory on secured lots. We also consider small dealers who provide limited towing for their own operations. Example fits: you might have a client who runs a small used-car lot in California with a basic mechanical bay on-site, or an independent electric golf-cart retailer in Washington with a fenced, gated lot. These are the types of risks we commonly place. Coverage Highlights • Garage Liability with 3× aggregate limits • Broadened General Liability endorsements to address premises and operations exposures • Medical Payments — up to $5,000 • Standard Property coverage packages for buildings, contents and inventory • Rating credits for protected or secured lots (fencing, lighting, surveillance) • Scheduled Auto coverage — up to 5 vehicles on the policy • Optional Tow Truck coverage when towing is limited to the insured’s own operations These features are designed to protect dealers from customer injury, third-party property damage, inventory loss, and common garage exposures encountered in retail vehicle operations. Underwriting Considerations Secured lots or indoor storage are preferred and may receive rating credits. Tow truck coverage is acceptable only when towing is restricted to in-house use (inventory movement, customer service related to sales/repairs). We favor accounts with a clean loss history and straightforward, well-documented operations. Minimum premiums and final terms vary by account size, location, and exposures; underwriters will work with agents to find appropriate solutions for each submission. Service Area and Admitted Status This program is currently available in: California Oregon Washington Some admitted paper options are available depending on the jurisdiction and risk characteristics. Contact our team to confirm admitted availability for a given account. Why Partner with Pacific Coast E&S? As a wholesale broker specializing in commercial auto and garage risks, Pacific Coast E&S connects agents with markets that many standard carriers will not consider. Our underwriters understand the nuances of used-vehicle operations and work collaboratively with brokers to structure coverages that match the insured’s real exposures. We provide practical underwriting guidance, flexible options for small fleets and scheduled autos, and rating credit opportunities for secured sites. If you need help placing a challenging used car dealer account, connect with a market specialist for a full risk assessment and quote. Frequently Asked Questions What types of accounts are a good fit for this program?Non-franchised used car and truck dealers, motorcycle and RV dealers, electric vehicle and golf cart retailers, and similar small retail operations — especially those with limited on-site repair shops or towing for in-house use. Is tow truck coverage included?Tow truck coverage can be added when towing is performed exclusively for the insured’s operations, such as moving inventory or servicing customer vehicles sold by the dealer. Are there specific lot requirements to qualify?Yes. We prefer secured lots and offer rating credits for properties with fencing, lighting, surveillance, or indoor storage. Risk controls that reduce theft and vandalism will help placement and pricing. Is this program available on an admitted basis?Some admitted options are available in select states. Admitted availability depends on the risk profile and underwriting guidelines — reach out to confirm for a specific account. What states is this program offered in?This program is offered in California, Oregon, and Washington. Need help placing an account? Connect with a market specialist.

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Novatae Risk Group offers a dedicated General Liability Insurance program tailored specifically for Heating, Ventilation, and Air Conditioning (HVAC) Contractors. Developed in partnership with an “A” rated carrier, this program is designed to provide reliable, affordable coverage to help agents and brokers place small to mid-sized HVAC contractor accounts with confidence. Whether your HVAC clients are looking to switch carriers or enhance their current coverage, Novatae makes the process simple. Our experienced brokers can quickly review submissions and offer competitive solutions that meet your clients’ risk management needs. With both admitted and non-admitted options available through highly rated carriers, we can accommodate a wide range of client profiles and project scopes. To discuss your HVAC accounts, call our knowledgeable team at 800-758-8113. Overview: This General Liability program is built to support small to mid-sized HVAC contractors by delivering comprehensive protection against third-party claims. Typical exposures addressed include property damage, bodily injury, and completed operations liability—key concerns in the HVAC field. Market Focus: We focus on HVAC contractors with annual payrolls under $1,000,000. Whether your client specializes in residential installs, commercial service and repair, or tract home developments, this program is designed to help you place their general liability needs efficiently. Appetite: Residential HVAC Contractors Commercial HVAC Contractors Tract Home HVAC Installers HVAC Service & Repair Providers Coverages Available: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory Wording Per Project Aggregate Limits Subsidence Coverage (with limitations) Prior Projects Coverage (with limitations) Submission Requirements: Completed ACORD Applications 3 to 5 Years of Currently Valued Loss Runs Supplemental HVAC Application Project-Specific Pollution Application (if applicable) Underwriting Notes and Minimum Premiums: The minimum premium for this program starts at $1,500. Our underwriting team evaluates each submission based on the contractor’s operations, payroll, loss history, and project types. We aim to provide fast turnaround and competitive terms for well-qualified accounts. Territories and Availability: This program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, and WV. Admitted and non-admitted options are available depending on the state and risk profile. Why Work With Novatae Risk Group? As a trusted wholesale broker, Novatae Risk Group brings deep market access and underwriting experience to the table. We specialize in helping agents and brokers place challenging or niche contractor accounts. Our team is responsive, knowledgeable, and committed to helping you find the right solution for your HVAC contractor clients—no matter the size or complexity of the job. Need a quote for your HVAC contractor account? Email [email protected] or call 800-758-8113 to speak directly with an underwriter. Frequently Asked Questions What types of HVAC contractors are eligible for this program?The program targets small to mid-sized residential, commercial, and service/repair HVAC contractors with annual payrolls under $1,000,000. Are both admitted and non-admitted markets available?Yes, Novatae offers access to both admitted and non-admitted carriers, rated as high as A-XV, depending on the state and risk profile. What states is this program available in?This program is available in 25 states, including CA, TX, FL, IL, GA, and others. Contact us to confirm availability in your state. What is the minimum premium for eligible accounts?The program starts at a minimum premium of $1,500, with pricing based on underwriting factors such as payroll, operations, and loss history. What documents are needed to submit an account?Submissions should include completed ACORD forms, 3–5 years of loss runs, a supplemental HVAC application, and a pollution application if applicable. Need help placing an account? Connect with a market specialist.