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

...n Insurance program tailored to electrical contractors. Electricians and electrical contractors face unique job-site hazards — electrical burns, falls, and equipment-related...itable for many small to mid-sized electrical contracting businesses. In which...

...Liability Insurance program for Electrical Contractors through our wholesale b...of currently valued loss runs, the electrical contractor supplemental applicat...

...General Liability Insurance for Electrical Contractors Program Overview from...program?Residential and commercial electrical contractors with clean loss hist...

...or and Window Manufacturers Electrical Equipment Distributors and Manufact...HVAC equipment, plumbing supplies, electrical components, and wood or metal go...

General Liability Insurance is a critical first step in protecting appliance installation businesses from a wide range of risks. From property damage and bodily injury to advertising injury and reputational harm, this coverage forms the foundation of a risk management strategy for your clients in the appliance installation trade. Novatae Risk Group, through Empire Underwriters, offers a specialized General Liability Insurance program tailored to the needs of appliance installation contractors. Designed for small to mid-sized operations, this program offers flexible underwriting and access to both admitted and non-admitted carriers rated as high as A-XV. Whether your client installs appliances in residential or commercial settings, this program can help address their unique exposures. Overview: This program provides targeted General Liability coverage for Appliance Installation Contractors, helping your clients manage risks associated with on-site installations, customer property damage, and third-party injuries. With a minimum premium starting at $1,500, it's an accessible solution for smaller contractors seeking comprehensive protection. Ideal Accounts and Appetite: Appliance Installation Contractors Appliance Service Contractors Residential Appliance Installers Commercial Appliance Installers This program focuses on contractors with annual payrolls under $1,000,000. It's a great fit for agents working with insureds who handle appliance installation as their primary operation, whether in new construction or retrofit settings. Coverage Highlights and Advantages: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate Limits Subsidence coverage (with limitations) Prior Projects coverage (with limitations) These features help contractors meet contractual requirements and protect their business from claims arising during and after project completion. Underwriting Requirements: Completed ACORD Applications 3 to 5 years of currently valued loss runs Supplemental Application Project-Specific Pollution Application (if applicable) 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, WV. Why Work With Novatae Risk Group: As a national wholesale broker, Novatae Risk Group brings deep expertise in placing niche contractor risks. Our team can quickly evaluate your submissions and help place tough-to-place appliance installation accounts with top-rated markets. Whether you handle residential or commercial contractors, our access to both admitted and non-admitted solutions gives you flexibility and speed in quoting. Contact us today at 800-758-8113 to speak with a broker, or email submissions to [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized appliance installation contractors with under $1,000,000 in annual payroll, including both residential and commercial installers. Are both admitted and non-admitted markets available?Yes, the program offers access to both admitted and non-admitted carriers, with ratings as high as A-XV. Which states is this program available in?This program is available in over 25 states, including CA, TX, FL, NJ, and IL. Please contact us for availability in your state. What is the minimum premium for this program?The minimum premium starts at $1,500, making it accessible for small contractors needing essential General Liability protection. What documents are needed to submit an account?Submissions should include completed ACORD applications, 3–5 years of valued loss runs, a supplemental application, and a project-specific pollution application if applicable. Need help placing an account? Connect with a market specialist.

... alarm, low-voltage and related electrical trades. Coverage is underwritten by...rogram’s scope (e.g., high-voltage electrical contracting), extensive premises...

...Concrete (Flat) Electrical Drywall ...yroll, including trades like HVAC, electrical, drywall, and residential remode...

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.

..., carpentry, drywall, plumbing, electrical Janitorial and building mainten...