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GlassPro® from NIP Group is a specialty insurance program built for the glass industry. Whether your client is a glazier, glass dealer, or installer, GlassPro® delivers tailored coverages that address the risks of glass handling, transport, and installation...gements to expedite underwriting. Can GlassPro® cover installation floaters an...

Non-Trucking Liability Insurance Program from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers a dedicated Non-Trucking Liability (NTL) Insurance Program designed to provide essential protection for owner-operators when they are not under dispatch. This coverage fills the gap when the primary motor carrier’s liability policy does not apply—such as when a driver is using a vehicle for personal use or activities not related to transporting goods. This program is ideal for agents and brokers working with independent truckers who operate under lease agreements and need NTL coverage to stay compliant and protected while off the job. As a specialized excess & surplus lines broker, Continental Risk brings strong market access and underwriting expertise to help place these accounts effectively. Ideal Accounts and Appetite This program is best suited for: Independent owner-operators leased to a motor carrier Drivers operating tractors for personal use when not under dispatch Trucking professionals with clean MVRs and driving histories Accounts with prior NTL coverage and favorable loss history Example: You might have a client who owns a tractor-trailer and is leased to a motor carrier, but occasionally uses the tractor for personal use. This program ensures they're properly covered during those times. Coverage Highlights and Advantages Continental Risk's Non-Trucking Liability Program offers: Liability protection during non-business use of a commercial truck Support for underwriting new ventures (surcharge may apply) Access to admitted markets, where available No minimum premium requirement, offering flexibility for smaller accounts This coverage is essential for maintaining continuous protection and avoiding potential gaps that could lead to uncovered losses when a driver is not under a carrier’s dispatch. Underwriting Guidelines and Submission Requirements To underwrite each risk, agents must provide: Driver’s lease agreement Motor Vehicle Report (MVR) Loss runs for prior NTL coverage (or note if it's a new venture) Drivers are not eligible if they: Are under 23 years of age Have more than 4 incidents in the past 36 months, or more than 2 in the past 12 months Have more than 1 at-fault accident in the past 12 months, or more than 2 in the past 36 months Have less than 2 years of experience driving similar equipment Have a major violation within the last 3 years Major violations include: DUI/DWI, refusal to test, reckless driving, hit & run, fleeing law enforcement, open container, speeding 20+ mph over limit, allowing an unlicensed driver, and felony-related vehicle incidents. States Where Coverage Is Available This Non-Trucking Liability program is available in the following states: AL, AZ, AR, CA, CT, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MN, MS, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WV, WI. Why Work with Continental Risk / Continental Marine Insurance Services As an experienced excess & surplus lines broker, Continental Risk / Continental Marine Insurance Services offers agents access to competitive admitted markets and underwriting expertise in trucking-related risks. The team understands the nuances of NTL exposure and works closely with brokers to ensure timely and effective placements. With no minimum premium and a wide state footprint, this program is a practical option for agents looking to support independent truckers and leased drivers. Frequently Asked Questions What types of accounts are a good fit for this Non-Trucking Liability program?Owner-operators leased to a motor carrier who use their commercial vehicles for personal or non-business purposes are ideal candidates. What submission materials are required?You will need to submit the driver’s lease agreement, MVR, and loss runs if there is prior NTL coverage. New ventures may be subject to a surcharge. Are there age or experience restrictions for drivers?Yes. Drivers must be at least 23 years old and have at least 2 years of experience operating similar equipment. Is this program available on an admitted basis?Yes, the program is available through admitted markets, depending on the state. What are some examples of major violations that would disqualify a driver?Major violations include DUI, reckless driving, hit and run, fleeing law enforcement, and speeding 20+ mph over the limit. Need help placing an account? Connect with a market specialist.

Overview — Workers Compensation Insurance for Maid Services Novatae Risk Group offers a dedicated workers compensation program tailored for maid and cleaning services — including house cleaning, laundry, carpet cleaning, and similar operations. Cleaning businesses face frequent employee exposures and occasional third-party property damage; appropriate workers comp coverages help control the financial impact of workplace injuries and keep clients' operations stable. This program combines underwriting flexibility with access to admitted and non-admitted markets to place hard-to-bind accounts. Novatae Risk Group leverages deep experience placing workers compensation for the maid industry. We support agents with quick turnarounds, multiple carrier options (varies by state), and tailored account handling for complex or multi-state exposures. Submit your Workers Compensation Insurance for Maid Services submissions and let us demonstrate solutions for tough classes, high hazard accounts, and new ventures. Appetite: MOD 1.30 or greater High-hazard or difficult classes Blue-, gray- and white-collar accounts Accounts currently in state pools or funds Distressed, lapsed, cancelled, or non-renewed accounts New ventures are acceptable Multi-state exposure is a specialty Hard-to-place workers compensation risks Program Features: Quick turnaround on submissions Access to many "A"-rated carriers (varies by state) Stand-alone workers compensation placement Guaranteed-cost options and integrated work comp solutions Dividend and retrospective (retro) plans High-deductible programs and alternative funding Custom account handling and claims coordination Requirements: ACORD 130 3–4 years of loss runs Details on any large claims or subrogation issues Completed supplemental questionnaire (when requested) Underwriting Notes and Minimum Premiums Underwriting focuses on exposure management: payroll mix by class code, employee training, safety programs, and loss trends. Large or recent losses should be explained in detail and any corrective actions documented. The program typically requires a minimum premium; the current program minimum is $10,000, though final placement depends on carrier appetite and state rules. Territories and Market Positioning Availability: All Available Markets. We place business across many admitted and non-admitted markets; carriers vary by state. The program is available in the following states and territories: 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, WI. For multi-state exposures we can coordinate quotes and binding across territories. Why Work With Novatae Risk Group As a Managing General Underwriter and Excess & Surplus Lines broker, Novatae Risk Group offers specialized underwriting for cleaning and maid operations, with flexibility to place complex or non-standard accounts. Our strengths include responsive underwriting, broad carrier access, and experience structuring high-deductible, dividend, and retro arrangements for cost containment. We work with agents to package underwriting submissions so accounts get reviewed efficiently and accurately. Example fits: You might have a large residential cleaning business with multi-state crews and a MOD over 1.30 — this program can help you find admitted or E&S capacity. Or an account that was recently non-renewed due to a poor loss history may qualify for specialty markets and alternative funding options. Ready to submit? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter about placement through Novatae Risk Group. Frequently Asked Questions What types of maid and cleaning accounts fit this program?We target house cleaning, laundry, carpet cleaning, and similar janitorial operations — including single-state and multi-state crews, accounts with elevated MODs, accounts in state funds, distressed or lapsed risks, and new ventures. What submission materials should I include to get a quick review?Provide ACORD 130, 3–4 years of loss runs, details on any large losses, and the supplemental questionnaire when requested. Clear payroll by class code and any written safety or training programs speed underwriting. Is this program admitted or non-admitted?Novatae Risk Group places business through admitted and non-admitted markets. Availability depends on state and carrier — carriers vary by state. We can discuss admitted options where required and E&S solutions when accounts are hard to place. What is the minimum premium and how are alternative funding options handled?The program generally requires a minimum premium of $10,000. We also place dividend plans, retro plans, and high-deductible programs depending on carrier appetite and the account’s size and loss history. How do I submit a risk for consideration?Email submission materials to [email protected] or call 800-758-8113 to speak with an underwriter. Provide complete loss runs and any supporting risk control documentation to accelerate review. Need help placing an account? Connect with a market specialist.

Storage Tank Liability Coverage from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers a focused Storage Tank Liability Insurance program for above-ground tanks. The program helps agents place hard-to-find environmental liability coverage for insureds with tank-related pollution exposures, while supporting regulatory financial responsibility requirements where required. Whether your client runs a fuel station, marina, manufacturing site, agricultural operation, or bulk storage facility, this program addresses third-party claims and cleanup obligations tied to scheduled above-ground tanks. Coverage is available on admitted or non-admitted paper depending on state and risk characteristics, giving you flexibility to meet both compliance and market placement needs. Ideal Accounts and Target Risks This program is designed for insureds who own or operate above-ground storage tanks that present environmental or contamination risk. Target classes include: Gas stations, fueling depots, and truck stops Marinas, boatyards, and waterfront fuel facilities Commercial and industrial sites with on-site fuel or chemical storage Agricultural operations storing fuel, herbicides, or fertilizers Municipal and utility sites that operate above-ground tanks Typical fits are accounts needing proof of financial responsibility, clients with scheduled tanks and manageable historical conditions, or businesses requiring explicit pollution legal liability for third-party bodily injury, property damage, and corrective action. Accounts with extensive legacy contamination, unknown tank history, or ongoing major remediation may require targeted underwriting and are evaluated case-by-case. Coverage Highlights and Advantages Key coverages include: Third-party bodily injury and property damage arising from pollution incidents involving scheduled above-ground tanks Corrective action and remediation expenses for covered releases from scheduled tanks Coverage and certificates that can meet applicable federal and state financial responsibility requirements Admitted or non-admitted placement options depending on the state and the risk Program strengths: Flexible liability limits and deductible options to fit varying exposures Broad territory options and the ability to issue financial responsibility certificates quickly Clear policy wording for key terms such as “additional insured,” “first named insured,” and “remediation costs” Extended reporting period options for added protection after policy expiry Program Advantages and Service Streamlined application and submission process built for agents and brokers Fast quote turnaround when a complete application is provided Same-day issuance of policies and financial responsibility certificates in many cases Available limits from $500,000 per claim / $1,000,000 aggregate up to $5,000,000 per claim / $5,000,000 aggregate Minimum premiums starting at $350 Underwriting Notes and Minimum Premiums Underwriters will review tank type, age, construction, secondary containment, inspection and testing history, spill prevention controls, and any prior releases. Provide site plans, environmental site assessments (if available), operating procedures, and recent inspection/maintenance records to speed placement. The program accepts a broad range of above-ground tank risks but may restrict or seek higher terms for sites with known releases or significant historical contamination. Minimum premium for eligible accounts starts at $350; final pricing depends on limits, deductibles, tank exposures, and state placement (admitted vs non-admitted). Territories and Availability This program is available in most states, including 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, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Admitted paper is available in many states; non-admitted options are used where admitted capacity is limited or the risk profile requires it. Why Work With Continental Risk / Continental Marine Insurance Services? As a specialized wholesale broker, Continental Risk / Continental Marine Insurance Services offers deep experience in environmental and specialty liability lines and access to multiple carrier options. Their underwriting familiarity with tank programs, quick turnaround, and responsive service help you place accounts efficiently and provide the documentation clients need for regulatory and lender purposes. For more information on the Storage Tank Liability program, contact Continental Risk / Continental Marine Insurance Services or visit their CompleteMarkets profile. Practical Agent Scenarios You might have a client who owns a small marina with two above-ground fuel tanks that needs a pollution liability policy and a state financial responsibility certificate before renewing a lease — this program can provide scheduled-tank coverage and fast issuance. If a commercial supplier operates multiple above-ground diesel tanks at a distribution site and needs higher limits and remediation coverage, the program’s flexible limits and extended reporting options can be appropriate. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for operations that own or manage above-ground storage tanks, such as gas stations, marinas, manufacturers, and agricultural operations. Does this program meet regulatory financial responsibility requirements?Yes. Policies and certificates may be written to satisfy applicable federal and/or state financial responsibility requirements when required. How quickly can policies be issued?With a fully completed application and required site documentation, policies and financial responsibility certificates can often be issued the same day. Are both admitted and non-admitted options available?Yes. The program offers admitted and non-admitted paper depending on the state and the risk profile. What is the minimum premium for this program?Minimum premium starts at $350; final pricing depends on limits, deductibles, and the specific tank exposures. Need help placing an account? Connect with a market specialist.