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J.M. Wilson Artisan Contractors Insurance Program J.M. Wilson Corp. provides independent agents and brokers access to A-rated markets for Artisan Contractors Insurance across a wide range of trade classes — including new ventures and startup contractors. Whether your client is a one-person handyman or a small residential contractor crew, this program helps address common on-site liability and property exposures with tailored general liability and property solutions. As a Managing General Agency and Excess & Surplus Lines Broker, J.M. Wilson places business with both admitted and non-admitted carriers. That market flexibility makes it easier to place harder-to-place risks or accounts that don’t meet standard market guidelines. Phone quotes are available for fast turnaround when you need one. Sample Classes for Artisan Contractors Insurance Air Conditioning – Sales, Service & Installation Carpentry Concrete Construction Door, Window or Assembled Millwork Installation Drywall or Wallboard Installation Electrical Work – Within Buildings Fence Erection, Floor Covering Installation General Contractors (Residential Focus) Glass Dealers and Glaziers Handyman Services Landscape Gardening Masonry, Painting (Interior and Exterior – No Spray) Plumbing – Residential Roofing – Residential Tile, Stone, Marble (Interior) Welders And many more... Coverage Highlights Property Coverage for owned locations and business property Inland Marine for tools, equipment and contractor's stock Umbrella – limits available up to $5,000,000 Premises/Operations and Products/Completed Operations liability $5,000 Premises Medical Payments Personal Injury coverage $100,000 Fire Damage Liability Optional Coverage Damage to Property of Others — available up to specified limits Typical option example: $5,000 per occurrence / $25,000 aggregate Underwriting Notes and Premiums Minimum premiums vary by class, payroll, sales and the scope of the contractor’s operations. J.M. Wilson leverages both admitted and non-admitted markets to match the right carrier to the risk, including new ventures, seasonal operations, and accounts that need flexibility beyond standard programs. Provide details on operations, employee count, annual receipts, and any subcontractor usage for the quickest and most accurate response. Territories Served This Artisan Contractors program is available to agents and brokers in the following states: AL, AR, FL, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, WI. Why Work with J.M. Wilson? With decades of experience in E&S and admitted markets, J.M. Wilson offers broad market access and responsive underwriting for contractor exposures. Their team understands the common perils artisan firms face — from jobsite liability and property damage to tools-in-transit and completed operations — and will work with you to craft practical, market-appropriate solutions. You might have a client who is launching a residential HVAC installation business with modest payroll and significant tools and equipment — J.M. Wilson can help place that new venture. Or you may represent a small general contractor focused on home renovations who needs products/completed operations limits and inland marine for contractor tools; this program can provide those coverages on admitted or non-admitted paper as appropriate. For more details, agent submission requirements, or to request a phone quote, visit our website, www.jmwilson.com, or submit your request through the CompleteMarkets quote link on this storefront. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for residential and light commercial artisan contractors, including carpenters, electricians, plumbers, painters, handymen, and other specialty trades—even new ventures. Can new businesses or startup contractors be considered?Yes, J.M. Wilson has markets available for new ventures and startup contractors that may not qualify for standard programs. Are both admitted and non-admitted markets available?Yes, J.M. Wilson works with a variety of admitted and non-admitted carriers to provide flexible solutions based on your client's risk profile and location. Which states is this program available in?This program is available in 22 states, including AL, FL, GA, IL, MI, NC, OH, PA, TN, VA, and others across the Midwest and Southeast. What is the minimum premium for this program?Minimum premiums vary depending on the class and scope of operations. Contact J.M. Wilson for a customized quote based on your client’s risk. 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.

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