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

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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...vil, structural, mechanical and electrical engineers HVAC engineers Land s... structural, civil, mechanical and electrical engineers, land surveyors, and i...

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Miscellaneous Errors & Omissions Insurance (E&O) from J.M. Wilson provides essential professional liability protection for a wide range of service businesses and professionals who face exposure from alleged negligence, mistakes, or omissions. This program is built for accounts that don’t fall into traditional E&O categories but still carry meaningful professional liability risk. Overview of the Program From J.M. Wilson J.M. Wilson is a Managing General Agency and Excess & Surplus Lines broker with deep experience placing specialty and hard-to-place professional liability risks. Their Miscellaneous E&O program gives independent agents access to both admitted and non-admitted carriers and a dedicated underwriting team that crafts tailored solutions for non-standard classes. Use this program when a client provides a professional service and could be held financially responsible for an error, oversight, or service failure. Ideal Accounts and Appetite This program is aimed at professional service providers that don’t fit classic E&O niches (e.g., attorneys or medical professionals). Typical classes include: Appraisers, auditors, and billing services Bookkeepers and tax preparers Consultants, management services, and resume services Graphic designers, photographers, and interior designers Event planners, caterers, and funeral directors Private investigators and background check services Property managers, travel agents, and technology/internet service providers If a client provides a service where a mistake or omission could lead to financial loss for a third party, this program is often a good fit. J.M. Wilson will consider a broad range of niche and emerging professions; however, high-exposure specialties (e.g., licensed attorneys, physicians) are evaluated on a case-by-case basis and may be declined or redirected to more specialized markets. Coverage Highlights and Advantages Key features of J.M. Wilson’s Miscellaneous E&O program: Coverage for defense costs, settlements, and judgments arising from covered professional services Access to multiple admitted and non-admitted carriers for placement flexibility Custom underwriting for niche operations and unusual revenue models Experienced in-house underwriters who collaborate directly with agents on terms and endorsements Example placement scenarios: A freelance grant-writing consultant who missed a submission deadline that jeopardized client funding—this policy can address defense and settlement exposure for the consultant. A small technology consultant whose implementation error causes a client’s downtime—coverage can respond to claims alleging negligence in professional services. Underwriting Notes and Minimum Premiums Underwriting is class- and risk-specific. Submissions should include a concise description of operations, years in business, annual revenue, services offered, sample contracts or engagement letters (if available), and any prior claims or loss history. Minimum premiums vary by class and carrier; J.M. Wilson underwriters work with agents to develop competitive quotes and to identify the best market fit for each account. Territories and Availability This Miscellaneous E&O program is currently available in: AL, AR, FL, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Availability and specific terms may vary by state and carrier—contact J.M. Wilson for state-specific guidance. Why Work With J.M. Wilson? Agents benefit from J.M. Wilson’s decades of experience in excess & surplus and specialty markets: Access to a panel of admitted and non-admitted carriers Responsive underwriters with a track record placing niche and non-standard risks Guidance on endorsements, policy wording, and placement strategy for challenging accounts Whether you are placing a solo consultant, a small creative firm, or an unusual professional service, J.M. Wilson can help you identify appropriate markets and structure coverage to match the exposure. Frequently Asked Questions What types of accounts are a good fit for this Miscellaneous E&O program?This program targets non-traditional professional service providers such as consultants, appraisers, event planners, tax preparers, creative professionals, and other service businesses that could face claims alleging negligent professional services. Do you offer both admitted and non-admitted options?Yes. J.M. Wilson represents multiple carriers across admitted and non-admitted markets, which gives you flexibility to match terms and pricing to the client’s needs. What information is needed to quote a Miscellaneous E&O policy?Provide a description of operations, years in business, annual revenue, services offered, sample contracts or engagement letters if available, and any prior claims history. The underwriters use these details to assess exposure and determine appropriate markets. Is this program available nationwide?No. It is available in selected states (see Territories and Availability above). Contact J.M. Wilson for current state eligibility and any state-specific requirements. Can J.M. Wilson help with hard-to-place or unique risks?Yes. Their underwriting team specializes in niche and non-standard risks and works with agents to craft placements for unusual professions or emerging exposures. Need help placing an account? Connect with a market specialist.

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.

Legends Environmental Insurance Services offers a focused Restoration Contractors Insurance program built for restoration professionals. Delivered as part of our Environmental Services Package Policy, this program is available throughout the United States and Canada and provides essential protection for environmental exposures commonly faced by restorers—including mold and fungus-related claims. Ideal Accounts and Appetite This program is designed for restoration contractors who perform water, fire, smoke, mold, biohazard cleanup, and structural restoration work. Typical accounts include: Water and flood damage restoration contractors Mold remediation specialists Fire and smoke damage restoration firms Contractors performing environmental cleanups and decontamination Legends places accounts ranging from small, single-state firms to multi-state operations. The program favors contractors with documented risk management practices, OSHA and industry-standard procedures, and strong service protocols. Coverage Highlights and Advantages Our Restoration Contractors Insurance program packages multiple coverages into a single, coordinated policy to simplify placement and often reduce overall cost compared to separate policies. Key features include: Contractors Pollution Liability – Third-party liability for pollution incidents, including mold and other environmental hazards. Commercial General Liability – Coverage for bodily injury, property damage, and completed operations exposure. Professional Liability – Errors and omissions protection for professional services and consulting related to restoration work. Additional advantages: Fungus and mold-related claims included within the Environmental Services Package Access to multiple markets to match a client’s risk profile Wholesale broker expertise and environmental claims handling support Underwriting Notes and Minimum Premiums Underwriting focuses on restoration operations with demonstrated controls and procedures. Important points for submissions: Minimum premium: $4,000 Minimum deductible: $2,500 under the Environmental Services Package Policy limits available up to $25,000,000 Contractors Environmental Liability is also available as a standalone product What tends to fit: contractors with routine emergency response, controlled remediation projects, and documented quality controls. What may not fit: accounts with significant uncontrolled industrial pollution, long-term remediation with open legacy contamination, or firms lacking formal risk management—these require review and may need alternate placement. Territories and Availability Coverage is available across all 50 states, Washington, D.C., and Canada. Some admitted markets are available depending on the state and risk class; Legends leverages multiple carriers (admitted and non-admitted) to secure the best solution for each account. Why Work With Legends Environmental Insurance Services? As a wholesale broker focused on environmental exposures, Legends brings targeted underwriting relationships and deep claims expertise for restoration risks. Agents benefit from: Specialized markets that understand restoration exposures Guidance on submission structure and risk mitigation to improve placement odds Support through policy placement and environmental claim handling Example account scenarios: You have a regional mold remediation firm that performs residential and commercial work and needs contractors pollution plus completed operations limits—this program can bundle those exposures into one policy. Your client is a multi-state water damage restoration company seeking higher limits and consistent terms across states—Legends can access carriers and admitted markets to tailor the placement. To learn more about our Restoration Contractors Insurance or to discuss a specific risk, contact us at 714-955-1560. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best for restoration contractors focused on mold remediation, water and fire damage repair, and environmental cleanup services—with established risk management practices. Is mold coverage included in the policy?Yes. Fungus and mold-related claims are included within the Environmental Services Package Policy. What is the minimum premium for this program?The minimum premium starts at $4,000, with a minimum deductible of $2,500. Can I write business in any state?Yes. Coverage is available in all 50 states, Washington D.C., and Canada; admitted availability depends on state and risk class. Who are the carriers behind this program?Legends works with multiple markets—both admitted and non-admitted—to provide flexible options tailored to each client’s exposures. Need help placing an account? Connect with a market specialist.