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...residential carpenters and select framing contractors. IPMG will consider: Residential carpentry and framing contractors Start-up operations ...ial carpentry contractors, including framing operations with prior workers’ co...

...including contractors involved in framing, finish carpentry, remodeling, and s...ractors, including those involved in framing, finish work, remodeling, and new...

...including contractors involved in framing, finish carpentry, remodeling, and s...ractors, including those involved in framing, finish work, remodeling, and new...

... of a broader remodel) Interior framing performed by the primary contractor (framing subcontractors are not eligible) W...ermitted in some cases, but interior framing as a subcontracted operation is n...

CondoPak: Property and General Liability for Community Associations New Empire Group offers CondoPak, a specialized insurance program designed specifically for small to medium-sized condominium and cooperative associations. This admitted program is underwritten by HDI Gerling and provides a comprehensive package of property and general liability coverages tailored to meet the unique risks faced by community associations. Ideal Accounts and Appetite CondoPak is an excellent fit for residential condo and co-op associations that are fire resistive or joisted masonry construction types. The program targets accounts with total insured values up to $25,000,000. At this time, frame construction buildings are not eligible. You might have a client managing a 40-unit brick condominium complex in a suburban market or an urban co-op with fire-resistant construction—these would be strong candidates for CondoPak. Coverage Highlights and Advantages CondoPak includes a broad suite of coverages and endorsements designed to protect both the property and liability exposures of community associations. Key features include: Earthquake Coverage Ordinance or Law Coverage Backup of Sewers and Drains / Water Damage Employee Dishonesty Equipment Breakdown Flood Coverage (if qualified) In addition to standard protections, the program includes property broadening endorsements and the flexibility to customize coverage to meet the specific needs of your insureds. Underwriting Notes The program is written on admitted paper with an "A" rating by AM Best. Eligible buildings must be fire resistive or joisted masonry and fall within the $25 million TIV limit. Frame construction is not currently accepted. While minimum premium information is not specified, agents can expect competitive pricing and underwriting flexibility for qualifying risks. Territories and Availability CondoPak is available in the following states: AL, CT, DE, GA, IL, IN, KY, ME, MD, MA, MI, MS, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, WV, and WI. Why Work With New Empire Group? As a program administrator with deep expertise in real estate and community association risks, New Empire Group provides agents with a streamlined solution for placing condo and co-op business. Backed by a top-rated carrier and built for ease of quoting, CondoPak offers a compelling combination of broad coverage, underwriting insight, and market access. Frequently Asked Questions What types of accounts are a good fit for the CondoPak program?The program is ideal for residential condominium and cooperative associations that are fire resistive or joisted masonry construction, with total insured values up to $25 million. Does the program accept frame construction buildings?No, at this time frame construction buildings are not eligible for coverage under the CondoPak program. Is this an admitted program?Yes, CondoPak is written on admitted paper and backed by an "A" rated AM Best carrier. Which states is the program available in?CondoPak is available in 25 states, including NY, NJ, PA, MA, GA, IL, and others across the Northeast, Midwest, and Southeast regions. Can coverage be customized for specific client needs?Yes, the program includes broadening endorsements and optional coverages that can be tailored to the unique needs of each community association. Need help placing an account? Connect with a market specialist.

Heavy Truck Repairs are one of the most complicated and hazardous lines to place. Working on heavy trucks and mobile equipment increases the risk of property damage and employee injury, and many carriers will decline these accounts without a specialty program. Pacific Coast E&S offers a targeted Heavy Truck Repairs program designed for agents and brokers who need a reliable market for this niche. Overview of the Program from Pacific Coast E&S This Heavy Truck Repairs program provides a specialty liability solution for shops that service heavy equipment, semi-trucks, tractors, bulldozers and similar units. The program is underwritten with the exposures of heavy equipment repair in mind and can be packaged with property coverage in many cases. As a wholesale broker, Pacific Coast E&S combines niche underwriting expertise with flexible endorsements to place accounts that would otherwise be difficult to place in the standard market. Program Features: • Broadened General Liability endorsement • Garagekeepers Legal Liability up to $85,000 per auto (26,000 GVW) • Medical Payments up to $5,000 • Garage Liability Ideal Accounts and Appetite This program targets repair shops and service facilities whose primary operations involve heavy trucks and non-lifting mobile equipment. Typical accounts include independent truck repair shops, fleet service centers, and mobile technicians who perform field repairs. • Engine repairs and tune-ups • Hydraulic work on non-lifting apparatus • Collision repairs to truck bodies • Refinishing and painting (including use of a paint booth) • Frame straightening via computerized machinery • Bolt-on hitch installation Accounts that may be more difficult to place include businesses that perform heavy lifting or hoisting with equipment not specifically covered by this program, or operations with unusual uses (for example, specialty lifting apparatus that require separate coverage). Discuss any lifting or rental exposures with underwriting up front. Coverage Highlights and Advantages Garagekeepers Legal Liability limit available up to $85,000 per auto (26,000 GVW), addressing customer vehicle exposures common to truck repair shops. Broadened general liability endorsements tailored to repair operations, plus garage liability and medical payments to help manage first-party and third-party injury exposures. Ability to package liability features with property coverage in many cases for a one-location solution. Underwriting familiarity with heavy-truck specific operations — helps place accounts other carriers decline. Underwriting Notes and Submission Guidance When submitting, include a clear operations description, schedule of operations by location, estimated payroll and revenue, and recent loss runs. Shops with well-documented safety procedures, qualified technicians, and appropriate equipment controls are preferred. Minimum premiums may apply depending on the class and state; please confirm with underwriting on submission. Territories and Admitted Status Available in CA, OR and WA. Some admitted options may exist in select states; other placements may be non-admitted depending on the location and coverage selections. Confirm admitted versus non-admitted availability on each submission. Why Work With Pacific Coast E&S on Heavy Truck Repairs Pacific Coast E&S focuses on niche programs for classes that standard markets often avoid. As a wholesale broker, they provide agents with specialty endorsements, targeted garagekeepers limits, and the option to package property where appropriate. If your client operates a shop that services heavy trucks or mobile equipment, this program is built to help you place that risk with underwriting that understands these exposures. Certain products and submissions may be handled nationally from a central underwriting location. Please send an email and Pacific Coast E&S will direct your inquiry to the appropriate underwriter. Frequently Asked Questions What types of accounts are a good fit for this Heavy Truck Repairs program?Shops that primarily service heavy trucks, semi-trailers, tractors, bulldozers and similar mobile equipment — including engine work, hydraulic repairs (non-lifting), collision repairs, refinishing and frame straightening — are a good fit. Which coverages and limits should I expect on typical submissions?Key features include broadened GL endorsements, garage liability, medical payments (up to $5,000) and Garagekeepers Legal Liability up to $85,000 per auto for units up to 26,000 GVW. Additional property coverages may be packaged where appropriate. Are there states where admitted coverage is available?Yes. The program is available in CA, OR and WA. Some admitted options may be offered in select states; other placements may be non-admitted depending on location and coverage choices. Confirm on each submission. What information should I include with a submission?Provide a description of operations, location details, payroll and revenue by class, a list of equipment and on-site operations (e.g., paint booth, frame machines), and current loss runs. Highlight any safety programs or certifications to improve placement chances. Can this program be combined with property coverage?Yes. Many program features can be packaged with property coverages. Indicate property values and limits needed when you submit so underwriting can evaluate combined options. Need help placing an account? Connect with a market specialist.

...226; Trade Contractors - roofing, framing, siding, drywall, electrical, plumbi...and commercial contractors (roofing, framing, HVAC, concrete, EIFS, etc.), lig...

Overview — Motorcycle Repair Shop Insurance from Cochrane & Company Cochrane & Company offers a specialized Motorcycle Repair Shop Insurance program designed for independent agents placing liability and related coverages for motorcycle repair, service and light customization businesses. This MGA-backed program provides flexible liability limits, garagekeepers options and several ancillary coverages to help your insureds manage the common risks of motorcycle service operations. Ideal accounts and appetite Independent motorcycle repair shops, service centers and general motorcycle mechanics Shops that perform routine maintenance, diagnostics, part replacements, and limited customization (bolt-on accessories) Start-ups and new ventures are acceptable when owners or lead mechanics have relevant prior experience Shops that maintain reasonable lot security, key control procedures, and documented employee experience Not appetible: shops that specialize in custom frame modification or heavy fabrication work (these are excluded). Coverage highlights and advantages General liability limits up to $1,000,000 per occurrence with up to $3,000,000 aggregate available Garagekeepers legal liability — direct primary available when excellent security controls are in place Ability to schedule service vehicles used in the business (customer transport or pickup/drop-off vehicles) Optional coverages include broadened liability extensions, Related Operations Liability for incidental parts/accessory and clothing sales, and property coverage (building, contents, business income) available — property is placed on non-admitted paper only Underwriting notes — what we need to quote Completed application specific to motorcycle repair operations Details on lot security and key control (fencing, lighting, CCTV, locked storage for customer bikes) Owner and mechanics’ experience and training history Description of customization or fabrication work performed (type, frequency, whether outsourced) Underwriters place emphasis on physical security and documented experience for garagekeepers and direct primary placements. Heavy fabrication, major frame-altering work, and structural modifications are generally declined. Territories, paper and minimums This program is available in AZ, CO, ID, MT, NV, NM, OR, WA and WY. Coverage is generally placed on non-admitted/surplus lines paper (no admitted paper available). Minimum premium and final placement terms vary by territory and account characteristics. Example fits — when to consider this program You have a client who runs a two-bay motorcycle shop that does tune-ups, brake work, installs aftermarket parts and occasionally transports bikes with a covered service vehicle — this program can provide GL and garagekeepers with scheduled service vehicle coverage. You represent a small vintage motorcycle restoration shop that does limited bolt-on customization but no frame fabrication — with good security and experienced mechanics, the account may qualify for garagekeepers legal liability and related operations liability for parts sales. Why place this business with Cochrane & Company Cochrane & Company underwrites motorcycle repair exposures with a focus on pragmatic risk controls and flexible garagekeepers options. As an MGA, they can tailor placements with specialty endorsements and non-admitted paper where necessary, and they are experienced working with agents on submissions for niche mechanical shops. If your client’s operations fall within the program appetite and you can provide the requested loss control details, Cochrane can often provide competitive limits and optional coverages that standard package markets may not offer. Quick reference — unacceptable operations Shops specializing in custom frame modification or heavy fabrication Frequently Asked Questions What types of motorcycle businesses are a good fit for this program?Shops that perform routine service, maintenance, part installation, accessory sales and limited customization (non-structural, bolt-on work). New ventures are acceptable if owners or lead mechanics have relevant prior experience and the shop has adequate security controls. Is garagekeepers coverage available and how is it written?Yes. Garagekeepers legal liability is available and direct primary terms can be offered when strong security controls exist. Coverage terms and limits will depend on the shop’s operations, security, and vehicle exposure. Can I place property coverage with this program?Property coverage (building, contents and business income) is available but placed on non-admitted paper only. Property eligibility and terms are evaluated case-by-case. Which states are eligible and is this admitted paper?The program is available in AZ, CO, ID, MT, NV, NM, OR, WA and WY. Coverage is generally placed on non-admitted/surplus lines paper; there is no admitted paper availability under this program. What do you need to submit for a quote?Provide a completed application, descriptions of lot security and key control, owner/mechanic experience, and details of any customization or fabrication work. Loss history and photos of the premises or secured storage can speed underwriting. Need help placing an account? Connect with a market specialist.

Wind Deductible Buy Back Coverage from Safehold Special Risk In coastal and wind-prone regions, property owners and builders often face high windstorm deductibles that can create significant out-of-pocket exposure. Safehold Special Risk offers a specialized Wind Deductible Buy Back program to help agents and brokers provide their clients with a cost-effective solution to reduce this financial burden. This program is designed for both commercial and residential properties under construction, with coverage available for general wind or named windstorms. Whether your client is a developer building a coastal apartment complex or a contractor managing a mid-rise hotel project inland, Safehold can help reduce their windstorm deductible exposure. Ideal Accounts and Target Construction Types This program is suitable for most construction types, with the exception of properties with Exterior Insulation Finishing Systems (EIFS). Eligible construction classifications include: Fire-resistive Joisted masonry Non-combustible (ISO Class 3) — 10+ miles from the coastline Masonry non-combustible Modified fire-resistive Frame (restrictions apply) You might have a client developing a retail center in Georgia or a multi-family project in Texas—both facing high wind deductibles. This program can help you provide them with tailored protection that aligns with their project's location and risk profile. Coverage Features and Options Safehold’s Wind Deductible Buy Back coverage is flexible and can be customized based on your client’s needs: Available for both general wind and named windstorm coverage Can be written with or without an annual aggregate limit Policy term options: Commercial property: 12 months Builder’s risk: up to 36 months Safehold works directly with Lloyd’s of London, giving agents access to deep underwriting expertise and capacity in this niche space. Underwriting Requirements and Deductibles Deductible thresholds vary based on the Total Insured Value (TIV): TIV < $2.5M: 1% deductible, minimum $10,000 $2.5M–$5M: minimum $25,000 $5M–$10M: minimum $50,000 TIV > $10M: minimum $100,000 Florida: Lesser of $100,000 or 1%, subject to $50,000 minimum Coverage Limits Up to $1.25M maximum limit per occurrence (varies by state) Maximum TIV: $100M overall $50M in Florida $50M per location $250,000 per occurrence limit for inland states Eligible Territories Coverage is available in a wide range of coastal and inland states, including: Coastal States: AL, CT, DE, FL (excluding Monroe County), GA, HI, LA, MA (excluding Nantucket and Duke Counties), MD, ME, MS, NC, NH, NJ, NY, PA, RI, SC, TX, VA Inland States: AR, KS, IN, IA, MO, OH Why Partner With Safehold Special Risk? As a trusted program administrator, Safehold Special Risk specializes in unique and complex risks, providing agents with access to non-admitted markets and underwriting expertise. With direct access to Lloyd’s of London and a commitment to responsive service, Safehold is an excellent partner for agents looking to place hard-to-insure wind deductible exposures. Due to the specific nature of this coverage, Safehold encourages agents to reach out for pre-submission discussions to determine eligibility and structure appropriate terms. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include commercial and residential properties under construction in wind-prone areas, especially those with high windstorm deductibles. Examples include builders’ risk for apartment complexes, hotels, or retail centers. Can this program be used for both named storms and general wind events?Yes, coverage can be structured for either named windstorms only or general wind events, depending on the insured’s needs. What construction types are eligible?Most construction types are eligible, including fire-resistive, joisted masonry, non-combustible structures (10+ miles from the coast), masonry non-combustible, and modified fire-resistive. Frame construction may be eligible with restrictions. EIFS is excluded. Is there a maximum Total Insured Value (TIV) this program can support?Yes. The maximum TIV is $100 million nationwide and $50 million in Florida. The per-location limit is $50 million. Is the Wind Deductible Buy Back program admitted?No, this coverage is written on a non-admitted basis through Lloyd’s of London. Need help placing an account? Connect with a market specialist.

We offer Vision PPO plans and a true indemnity vision plan. With two product lines to choose from, BEST Life ensures that we have a vision plan to meet every client's needs. BEST Life Access Vision (Indemnity) Available for groups with 5 or more employees enrolled Employer-contributory and voluntary available No ineligible industries, industry loads or waiting periods Access care from any licensed ophthalmologist or optometrist Contacts in lieu of OR in addition to frames and lenses Medically necessary contact lenses and Lenticular lenses included as eligible expenses Flexible frequency, allowance and deductible options EyeMed Vision Discount program for Access Vision plan members, includes discounts for exams, glasses, lens options and add-ons, contact lenses and even laser vision correction are included with no limitations on frequency. Members can obtain these discounts through EyeMed's network. BEST Life Vision PPO Plan Available for groups with 5 or more employees enrolled Network access to over 21,000 locations nationally Contact lenses in lieu of eyeglass lenses Frames allowance available in addition to contact lenses Access to care includes optometrists, ophthalmologists, opticians, private practices and many leading optical retailers including LensCrafters, Target Optical, Sears Optical, JC Penny Optical and most Pearle Vision locations 15% off retail price for Laser Vision Correction included Materials Only plans available upon request BEST Life's vision plans are available in AK, AL, AR, AZ, CA, CO, DC, FL, GA, HI, ID, IL, IN, KS, KY, LA, MD, MI, MO, MS, MT, NC, ND, NE, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA and WY. Laser Eye Surgery Discounts1 All BEST Life plans include 40-50% off the national average charge for laser eye surgery procedures administered by QualSight. BEST Life members are automatically eligible to receive discounts and can do so by calling QualSight at 1-877-405-4448 before seeing any LASIK provider. More information is located below and on QualSight’s website at http://qualsight.com/-besthealth. Vision Sales Collateral Vision Benefit Brochure QualSight Member Brochure Vision Discounts Member Flyer Vision Enrollment Materials Access Vision Employer Application Word | PDF EyeMed Vision Employer Application Word | PDF English Enrollment Card Online | Word | PDF Spanish Enrollment Card Word | PDF Ohio Uniform Small Group Employee Application PDF Utah Universal Small Business Employee Application PDF 1 Discount programs are available through the BEST Employers Association. Association membership is required to purchase a BEST Life insurance product. Employees become members prior to enrolling in a BEST Life plan.