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Excavation contractors handle a wide variety of site tasks—site preparation, septic installation, drainage systems, land grading, road work and more. That range of operations creates significant liability exposure: hidden underground utilities can be struck, trenches can collapse, and heavy equipment can cause third-party injury or property damage. A single claim can lead to substantial financial loss and business interruption. Novatae Risk Group places a General Liability program specifically designed for excavation contractors through experienced underwriting partners. This program understands the unique risks of excavation work and provides a fast, reliable market for your excavation clients. Send your submissions and let our underwriting team evaluate how we can help place the account. Please contact us at 800-758-8113 to speak to our experienced brokers about your General Liability Insurance for Excavation Contractors accounts. Overview: A targeted General Liability program for small- to mid-size excavation contractors. The program is underwritten with excavation exposures in mind and aims to deliver broad, practical coverage for routine excavation, grading, trenching and related site work. Market Focus: This Excavation Contractors General Liability program is focused on small to medium contractors—typically those with annual payrolls under $1,000,000—performing commercial and residential excavation, trenching, grading and site preparation. Appetite: Commercial & residential excavation Commercial & residential trenching Backfill operations Commercial & residential grading Construction site preparation Grade and drain work Eligible Risks: New construction on residential and commercial projects, including single-family homes Repair or remodeling projects that include excavation, trenching, grading or site prep Accounts where 75% or more of exposure falls in approved class codes Ineligible Risks: New construction of condominiums, condominium conversions and townhouses (some exceptions may apply) Any structures or work greater than three stories (some exceptions may apply) Coverages Available: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate Subsidence coverage (with limitations) Prior Projects coverage (with limitations) Submission Requirements: Completed ACORD applications Currently valued loss runs for the past 3–5 years Program supplemental application Pollution — project specific application when applicable Do you need a General Liability Insurance quote for your excavation contractor account? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Underwriting Notes & Pricing: Minimum premium typically starts at $1,500. Underwriters will review class codes, payroll, experience modification, loss history and details of operations on each submission. Projects involving deep excavation, extensive shoring or unusual site conditions should be detailed in the submission to allow accurate risk assessment. Territories & Markets: Available in most states including 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. The program places business with admitted and non-admitted carriers up to A-XV ratings, giving brokers flexibility when admitted coverage is limited. Why Place Excavation Accounts with Novatae Risk Group Wholesale broker access to specialized GL capacity for excavation contractors. Underwriters who understand excavation exposures and practical coverage wording. Flexibility to place with admitted or non-admitted markets to fit client needs. Efficient submission handling and underwriting turnaround for competitive quoting. Example fits: You might have a small contractor who performs residential grading and septic installation seeking blanket additional insured and per-project aggregate; or a mid-sized company doing commercial site prep and trenching that needs primary/non-contributory wording for contractor agreements. Both are the kinds of accounts this program targets. Frequently Asked Questions What types of excavation accounts are a good fit for this program?The program targets small-to-medium excavation contractors performing commercial or residential excavation, trenching, grading, backfill and site preparation—typically accounts with annual payrolls under $1,000,000 and where approved class codes make up 75% or more of exposure. What coverages can I request on submissions?Common enhancements include blanket additional insured, waiver of subrogation, primary and non-contributory wording, per-project aggregate, and limited subsidence or prior projects coverage when eligible. Are there states where this program is not available?The program is available in most states listed on the storefront. Availability can vary by carrier and underwriting criteria—please send the submission details for state-specific consideration. What are the typical submission documents required?Provide ACORD applications, 3–5 years of currently valued loss runs, the program supplemental application, and a pollution/project specific application when the account involves potential pollution exposures. What is the typical minimum premium and how is pricing determined?Minimum premium generally starts around $1,500. Final pricing depends on payroll, class codes, EMR, loss history, project scope and requested limits/endorsements. Need help placing an account? Connect with a market specialist.

As an excavation contractor, your clients encounter significant jobsite hazards every time they break ground. From back strains and soft-tissue injuries to severe accidents involving heavy equipment, the exposures are real—and so is the need for dependable Workers Compensation. Novatae Risk Group, working with Empire’s specialized contractors team, offers a focused Excavation Workers Compensation Insurance Program to help you place this challenging class of business. This program is underwritten specifically for excavation and similar high-hazard operations. Whether a client is a start-up, has a history of large losses, or has been declined elsewhere, our underwriting team will evaluate submissions and craft appropriate solutions. We place business with many "A"-rated carriers and access both admitted and non-admitted markets depending on state and risk profile. Contact us at 800-758-8113 to speak with our brokers about Excavation Workers Compensation accounts. Ideal Accounts and Appetite: Experience MODs of 1.30 or greater High-hazard or hard-to-place classifications (excavation, trenching, site prep) Blue, gray, and white collar job types on the same payrolls Accounts currently in state pools or assigned risk funds Distressed, lapsed, or non-renewed accounts New ventures with no prior coverage Multi-state operations — we have market expertise here Other hard-to-place Workers Compensation risks Example fits: a regional excavation contractor with a recent large loss seeking a stable market solution; or a multi-state site-preparation firm moving out of a state fund and needing coordinated coverage across jurisdictions. Coverage Highlights and Advantages: Fast turnaround on quotes and binding for time-sensitive accounts Access to numerous "A"-rated carriers across admitted and E&S markets Standalone Workers Compensation placements tailored to operations Guaranteed cost, dividend, and retrospective (retro) plans available High-deductible and alternative cost-control options Integrated claim handling and custom program servicing Underwriting Requirements: Completed ACORD 130 application 3–4 years of loss runs Details on any large or open losses Supplemental questionnaire when applicable Minimum Premium and Availability: Minimum premium for the program starts at $10,000. We underwrite accounts in most states — including, but not limited to, CA, FL, TX, NY, and PA — and can place business nationwide depending on carrier appetite and the risk profile. Why Work with Novatae Risk Group? Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines Broker with deep experience placing tough Workers Compensation risks. We understand the underwriting and operational challenges brokers face when placing excavation accounts. With broad market access, flexible underwriting, and responsive service, we help you protect clients while keeping accounts competitive. Need an Excavation Workers Compensation quote? Email [email protected] with submission materials or call 800-758-8113 to speak with an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?The program fits excavation contractors with elevated MODs, prior large losses, new ventures, multi-state operations, or those who have been lapsed or non-renewed. It’s built for high-hazard and hard-to-place exposures. Can you help with clients in the state risk pool?Yes. We frequently move accounts out of state pools and into tailored Workers Compensation solutions using competitive admitted and non-admitted markets. What information do you need to get a quote?Provide a completed ACORD 130, 3–4 years of loss runs, details on any large or open losses, and a supplemental questionnaire if requested. Is the program available nationwide?Yes — the program is available in most states, including CA, TX, FL, and NY. We can write in all 50 states and DC depending on carrier availability and the specific risk details. Do you work with new ventures that have no prior coverage?Absolutely. We have markets that will consider start-ups in the excavation and site-work trades. Need help placing an account? Connect with a market specialist.

Excavation & Grading of Land Insurance Program from Cochrane & Company Dig into new opportunities with Cochrane & Company's Excavation & Grading of Land Insurance program. Designed specifically for excavation and grading contractors operating with equipment, this program offers flexible coverage options on either a monoline or package basis. Whether your client is a small contractor or a larger excavation firm, Cochrane & Company provides tailored solutions to meet their unique risks and exposures. Ideal Accounts and Appetite This program is ideal for contractors engaged in site preparation, grading, trenching, and general excavation work. Target accounts include operators specializing in land clearing, grading for foundations, and utility trenching. Please note that this program is not intended for any of the following operations: Public street or road construction Mining operations Installation or removal of underground tanks Landfills Dam or tunnel construction Snow removal operations If you have clients working in general land excavation or site prep for residential or commercial development, they are likely a strong fit for this program. Coverage Highlights and Advantages Property Coverage: Building Business Personal Property Business Income Basic, Broad, or Special Form Replacement Cost or Actual Cash Value Accounts Receivable Computer Equipment Contractor's Equipment Outside Signs Valuable Papers Commercial General Liability: Primary limits up to $3 million occurrence/aggregate $5,000 Medical Payments Coverage – Included Additional Interests – $100 each Excess or Umbrella limits up to $25 million $1,000 minimum deductible required Crime Coverage: Coverage for theft of money and securities inside the premises Robbery or safe burglary of other property Coverage also available outside the premises Underwriting Notes and Minimum Premiums Minimum premiums vary depending on account size, operations, and coverage selected. A $1,000 deductible is required on liability coverages. Cochrane & Company underwrites each submission with attention to detail, ensuring appropriate coverage for each risk. Territories and Availability This program is available in the following states: AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Coverage is written on a non-admitted basis with access to a range of carriers. Why Work with Cochrane & Company? Cochrane & Company is a trusted Managing General Agency (MGA) with a deep understanding of contractor insurance needs. With access to multiple markets and a strong focus on excavation and grading contractors, they provide responsive service and flexible underwriting to help agents place hard-to-insure or niche risks confidently. Whether your client is grading land for residential development or performing trenching for utility installation, Cochrane & Company is ready to help you find the right solution. For more information about Excavation & Grading of Land Insurance, please feel free to contact us! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for contractors involved in land grading, site excavation, trenching, and site preparation services that do not involve public roads, underground tanks, or mining operations. Is this program available on an admitted basis?No, the Excavation & Grading of Land Insurance program is written on a non-admitted basis in all available states. Which states is this program available in?This program is offered in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Can I package property and liability coverages together?Yes, the program allows for both monoline and package policy structures, giving you flexibility to meet your client’s needs. What is the minimum deductible for liability coverage?The minimum deductible required for liability coverage is $1,000. Need help placing an account? Connect with a market specialist.

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Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Grading of Land Insurance program designed for excavation and grading contractors who operate heavy equipment for site preparation. This program is ideal for contractors involved in grading and land development projects but excludes operations such as public street or road construction, mining, underground tank installation or removal, landfills, dams, tunnels, or snow removal activities. Ideal Accounts and Appetite This program is tailored for insureds engaged in site preparation, land grading, and excavation for private development projects. Typical clients include: Excavation contractors for residential and commercial developments Land grading operations for private infrastructure or construction pads Contractors using their own equipment and operators on site Accounts that involve public works projects, hazardous waste, or high-risk environmental exposures such as mining or landfill work are outside the appetite. Coverage Highlights and Advantages Property Coverage Options Include: Accounts Receivable Basic, Broad, or Special Form coverage Buildings and Business Personal Property Business Income and Extra Expense Computer Equipment Contractor’s Equipment Equipment Breakdown Outside Signs Replacement Cost or Actual Cash Value options Valuable Papers Commercial General Liability Coverage Includes: Primary limits up to $3 million per occurrence/aggregate $5,000 Medical Payments coverage included Additional Interests for $100 each Excess or Umbrella limits available up to $25 million $1,000 minimum deductible required Crime Coverage Available: Theft of Money and Securities – Inside the Premises Robbery or Safe Burglary of Other Property – Inside the Premises Losses Occurring Outside the Premises Underwriting Notes and Minimum Premiums Underwriting focuses on private grading contractors with a clean loss history and proper operator training. A minimum deductible of $1,000 is required. Premiums are competitive and based on scope of operations, equipment values, and prior history. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability may vary depending on the specific account and carrier appetite. Some markets are admitted; others may be non-admitted depending on the risk and jurisdiction. Why Work With Colonial General Insurance Agency, Inc.? Colonial General is a trusted Managing General Agency and Excess & Surplus Lines Broker with access to a range of markets for specialized contractor risks. Their team understands the unique exposures of grading and excavation operations and offers flexible underwriting solutions tailored to your clients’ needs. With responsive service and a focus on niche contractor classes, Colonial General helps agents place hard-to-insure risks efficiently. Whether you're working with a small grading contractor developing residential lots or a mid-size excavation firm preparing commercial sites, Colonial General can help you find the right insurance solution. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for contractors involved in land grading, excavation, and site preparation for private development projects. Risks involving public works, mining, or hazardous operations are not eligible. Is this program available on an admitted basis?Some markets are admitted in certain states, while others are non-admitted. Availability depends on the specific risk and jurisdiction. What limits are available for liability coverage?Primary general liability limits up to $3 million occurrence/aggregate are available, with excess or umbrella limits up to $25 million. Which states is this program offered in?The program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Are equipment and tools covered under this program?Yes, contractor’s equipment can be scheduled under the property coverage, including options for replacement cost or actual cash value. Need help placing an account? Connect with a market specialist.

Continental Risk Offering Program for Commercial Contractors Continental Risk / Continental Marine Insurance Services offers a contractors-focused liability program designed for commercial builders and infrastructure contractors whose operations exceed standard market appetites. As a general agency and excess & surplus lines broker, we place complex, high-exposure contractor accounts with markets that understand excavation, structural steel, crane operations, demolition and other heavy-construction risks. Ideal Accounts and Appetite The program has a broad appetite for commercial contracting classes that often struggle in standard markets due to operational complexity or higher limits. Target classes include: General contractors (including those that subcontract 100% of work) Excavation contractors, including water and sewer line work Horizontal boring and directional drilling contractors Iron and steel erection and structural steel contractors Demolition and blasting operations Site preparation, grading, and earthmoving Crane rentals (on-hook sublimits available) Street, road, and infrastructure development contractors Tilt-up concrete construction specialists Seismic retrofitting contractors Owners’ and Contractors’ Protective (OCP) exposures This program is intended for accounts that require tailored underwriting rather than cookie-cutter coverage. For example, you might have a client bidding a municipal infrastructure upgrade that combines deep excavation, crane lifts, and structural steel erection—this program is structured to address that mix of exposures. Coverage Highlights and Advantages Commercial General Liability with Products/Completed Operations coverage Available on ISO Occurrence and Claims-Made forms Customizable endorsements and contractors-specific coverages to address unique jobsite risks Primary limits commonly offered: $1,000,000 per occurrence / $2,000,000 general aggregate / $2,000,000 products/completed ops aggregate Excess liability capacity available upon request to extend limits for larger projects The program’s flexible policy structure allows you to align limits and forms with project requirements—whether you need a single-project OCP policy or an umbrella to consolidate liability across multiple jobsites. Underwriting Notes and Minimum Premiums Underwriting is class- and exposure-driven. The program typically requires a minimum deductible of $5,000. Minimum premiums vary by class, location, payroll/subcontractor costs, and scope of operations. Our underwriters work with agents to evaluate loss history, safety programs, subcontractor controls, and project schedules to offer competitive placements where appropriate. Territories and Availability Continental Risk’s Commercial Contractors Program is available in most states, including but not limited to: CA, TX, FL, NY, IL, AZ, WA. We are licensed in all 50 states plus Washington, DC, giving you national access to contractors solutions, subject to underwriting guidelines and carrier appetite. Why Work With Continental Risk? As a specialist general agency and E&S broker, Continental Risk combines construction underwriting expertise with access to multiple admitted and non-admitted carriers. Our strengths include: Deep broker-carrier relationships that help place hard-to-place accounts Construction-experienced underwriters who evaluate complex operations and craft tailored coverage Flexible placement options for project-specific and programmatic needs Responsive support for quoting, submission strategy, and binding timelines If you have a contractor account that needs specialist attention—complex operations, mixed exposures, or limits beyond standard markets—our team can help identify the right markets and structure. Need assistance placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?This program targets commercial contractors, especially those engaged in excavation, demolition, structural work, crane rentals, and infrastructure development. Are general contractors who subcontract all their work eligible?Yes. General contractors who subcontract 100% of their work are within the target appetite for this program, provided other underwriting criteria are met. What coverage limits are available?Standard primary limits are commonly $1,000,000 per occurrence with $2,000,000 aggregates; excess limits are available on a case-by-case basis. Is this program available in all states?The program is available nationwide and Continental Risk is licensed in all 50 states and DC, subject to carrier availability and underwriting guidelines. What is the minimum deductible requirement?The program typically requires a minimum deductible of $5,000, though actual deductible and premium levels depend on class, location, and exposure. Need help placing an account? Connect with a market specialist.

Land and site preparation contractors face some of the most hazardous conditions in construction. Heavy equipment, uneven terrain, excavation, and grading increase the likelihood of falls, equipment-related injuries, and strains. Even with strong safety programs, a single large loss or a history of frequent claims can make Workers Compensation difficult or expensive to place—putting your clients at risk of financial and operational disruption. Novatae Risk Group, through its Empire Underwriters team, offers a focused Land and Site Preparation Workers Compensation Insurance program to help agents and brokers place hard-to-place or high-hazard accounts. With more than 30 years of underwriting experience, our team prioritizes returning injured workers to productive duty quickly while working with you to manage loss experience and stabilize premiums. Ideal Accounts and Appetite MODs of 1.30 or greater High-hazard and tough-to-place class codes (excavation, grading, site preparation) Blue-, gray-, and white-collar workforces on the same payroll Accounts in state pools or assigned risk funds Distressed, lapsed, cancelled, or non-renewed policies New ventures with no prior coverage Multi-state operations (a specialty for our team) Clients with recent large losses or cancellation history Example fits: you might have a regional grading contractor with a 1.6 MOD and a recent large claim seeking a stable market, or a multi-state excavation contractor just starting up that needs admitted and non-admitted options across jurisdictions. If a client performs excavation, grading, trenching, or related site prep—even with adverse history—we can help place the account. Coverage Highlights and Advantages Access to multiple “A”-rated admitted carriers and E&S markets where appropriate Stand-alone Workers Compensation policies tailored to site-prep exposures Flexible plan structures: guaranteed cost, retrospective (retro), and dividend plans Integrated loss control and claims strategies to improve outcomes and drive down experience mod High-deductible options for larger accounts to manage premium cost Customized account handling, fast turnaround, and responsive underwriting Our underwriting approach combines market access with loss-control support so you can offer competitive options while helping clients reduce future claims severity. Underwriting Requirements and Minimum Premiums Completed ACORD 130 3–4 years of currently valued loss runs Details for any large or catastrophic losses Supplemental program questionnaire (as requested) Minimum premium for this program is $10,000. Submissions are evaluated case-by-case to match the account with the strongest carrier fit by state and structure. Territories and Carrier Access This program is available in most states. Primary territories include 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, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, and WI. We place accounts with a variety of carriers depending on state rules and account profile, offering both admitted and non-admitted solutions as needed. Why Partner With Novatae Risk Group Novatae Risk Group combines deep specialty Workers Compensation expertise with market relationships and practical loss-control resources. Our Empire Underwriters team focuses on hard-to-place land and site preparation risks—helping you secure quotes quickly, structure effective programs, and support clients after a loss. Call us at 800-758-8113 or email [email protected] to discuss your next submission. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?This program is best for land and site preparation contractors with high MODs, adverse loss history, or difficult class codes. New ventures and multi-state operations are also within our appetite. Can I submit an account with a recent lapse in coverage?Yes. We accept lapsed, cancelled, and non-renewed exposures—provide full loss history and details about prior coverage issues to speed review. Are multi-state risks eligible for this program?Yes. Multi-state exposures are a specialty for our underwriters; we can coordinate admitted and non-admitted placements across jurisdictions. What is the turnaround time for quotes?Turnaround is typically quick when submissions include complete documentation. Supplying ACORD 130 and current loss runs up front helps expedite the process. Do you offer coverage through admitted carriers?Yes. We work with both admitted and non-admitted markets and will place the account in the best market available for the state and risk profile. Need help placing an account? Connect with a market specialist.

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Contractors face a wide range of liability exposures that vary by trade, project stage, and scope of operations. Novatae Risk Group offers a flexible, affordable General Liability solution through the Contractor General Liability Insurance – Monoline AXV program. Designed for artisan and general contractors, this program helps protect your clients from third-party bodily injury, property damage, and other common contracting risks. Underwritten by an A.M. Best-rated AXV carrier, this monoline General Liability program is available for more than 200 contractor classes. Whether you’re placing business for a small drywall installer or a large excavation operation, Novatae provides underwriting expertise and fast turnaround to help you serve your clients efficiently. For more information or to discuss a specific account, contact our experienced brokers at 800-758-8113. Program Highlights: SAME DAY QUOTE, BIND AND ISSUE!! $1,000,000 / $2,000,000 CGL limits — ISO form (standalone) Excess liability available up to $5,000,000 Property values up to $25,000,000 considered — fast approval process for larger accounts Program Features: Admitted and non-admitted AXV-rated carrier options Minimum premium: $500 Minimum deductible: $500 ISO form General Liability coverage Target Contractor Classes (Not All-Inclusive): Appliance Installation Carpentry Concrete & Asphalt Developer - Builder Dirt Work Drywallers Electricians Excavation General Contractors HVAC Landscaper Metal Erectors Masonry Painters Paving Pipeline Plumbers Pool Contractors Road & Bridge Contractors Roofing Contractors Septic Tank Cleaners Sewer Contractors Sheet Metal Sign Erectors Submission Requirements: Acord 125 and 126 for General Liability Three years of loss runs required Program supplemental application Territories and Availability: This program is available in most states, including AL, AK, AZ, CA, CO, CT, FL, GA, IL, KY, LA, MN, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, WV, and WI. Admitted and non-admitted options are offered depending on state rules and the risk profile. Why Work With Novatae Risk Group? As a wholesale broker, Novatae Risk Group provides broad market access and deep experience with contractor exposures. Our underwriters focus on contractor classes and construction operations, enabling faster decisions and competitive terms. You’ll get practical underwriting feedback, responsive service, and same-day quote/bind capability on qualifying accounts. Example fits: you might have a local roofer needing a $1M/$2M CGL on an admitted basis, or a large excavation contractor requiring primary limits with excess capacity — both are typical submissions the program can consider. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for artisan and general contractors, including electricians, roofers, HVAC technicians, landscapers, and many other contractor classes — over 200 eligible classes in total. Is this program available in my state?It is available in most states listed above, with admitted or non-admitted options depending on the state. Contact Novatae to confirm availability for a specific risk. What submission documents are required?Submit Acord 125 and 126, three years of loss runs, and the program supplemental application for full consideration. Can I get a quote the same day?Yes — for qualifying submissions, Novatae offers same-day quote, bind, and issue capabilities. What is the minimum premium for this program?Minimum premium starts at $500; final premium depends on class, limits, exposures, and state regulations. Need help placing an account? Connect with a market specialist.

Commercial Sector Provides You With Positive Alternatives for Commercial General Liability Insurance. At Commercial Sector Insurance Brokers, we help independent agents and brokers place commercial general liability risks that are difficult to place in standard markets. With access to 15+ carrier partners and flexible admitted and non-admitted solutions in many states, we offer realistic alternatives for contractors, property owners, manufacturers, importers, and other commercial accounts. Ideal Accounts and Appetite We write a broad range of commercial risks, including accounts that have been declined elsewhere. Our appetite includes construction and trade contractors, small to mid-size commercial property owners, hospitality operations, manufacturers and distributors, and importers. We consider accounts with prior losses on a case-by-case basis. Target Classes Include: Roofing Contractors Excavation & Road Contractors Artisan Contractors Apartments and Condominiums Hotels and Motels Manufacturers and Distributors Importers Example accounts that fit this program: a roofing contractor who performs both residential and commercial work with a moderate loss history, or the owner of a small apartment complex seeking primary GL coverage after being non-renewed by a standard market. In both cases, we can help you present a complete submission and access carriers experienced with those exposures. Coverage Highlights and Advantages Our carriers offer flexible liability solutions, including primary commercial general liability, excess liability layers, and tailored forms for hard-to-insure operations. Many markets we access have niche underwriting expertise—helpful for construction operations, habitational exposures, and manufacturing/import risks. We focus on putting forward workable coverage options rather than one-size-fits-all quotes. Underwriting Notes and Minimum Premium Minimum premiums typically start at $5,000, though final minimums vary by class, location, and loss history. We underwrite with practical expectations—accounts with prior claims or challenging operations are considered when the risk profile is clearly documented. To improve placement chances, submit complete applications with current loss runs, detailed operations descriptions, payroll and revenue breakdowns, and any risk control information. Territories and Availability This program is available in most states. We currently place business in more than 40 states, including CA, FL, TX, NY and many others. Both admitted and non-admitted options are available depending on the state and the nature of the risk. Why Work With Commercial Sector Insurance Brokers? As an experienced Excess & Surplus Lines broker, Commercial Sector Insurance Brokers gives you access to markets many retail agents cannot reach directly. We focus on providing responsive underwriting guidance, practical placement strategies, and competitive alternatives so you can win and retain accounts that standard carriers turn away. Please call today for more information. Frequently Asked Questions What types of accounts are a good fit for this Commercial General Liability program? This program fits contractors (including roofing and excavation), artisan trades, small commercial and residential property owners, manufacturers, distributors, and importers—especially accounts that are hard to place in standard markets. Is this program available for accounts with prior losses or claims? Yes. We consider accounts with prior claims or challenging loss histories. Each submission is evaluated on its individual merits and supporting documentation. What is the minimum premium requirement? Minimum premiums typically start at $5,000, but the final minimum depends on class, location, and the coverage requested. Are both admitted and non-admitted options available? Yes. We offer both admitted and non-admitted solutions depending on the state and the specific risk characteristics. In which states is this program available? This program is available in more than 40 states, including major markets such as CA, TX, FL, NY and many others across the U.S. Need help placing an account? Connect with a market specialist.