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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.

Property management operations present a broad range of workers' compensation challenges — multiple property types, varied employee duties, seasonal or transient staffing, and multi-jurisdiction exposures. Novatae Risk Group offers a specialized Non-Standard Workers Comp Insurance program tailored to property management risks that are difficult to place in the standard market. The program helps agents and brokers secure reliable coverage for higher-exposure or hard-to-place accounts. Backed by more than 30 years of experience and delivered in partnership with Empire Underwriters, Novatae's program provides flexible solutions to control costs, improve compliance, and simplify claims handling. It is designed to serve accounts exiting assigned-risk pools or state funds, non-renewed accounts, new ventures with operational need, and other non-standard placements where standard markets are unwilling or unable to offer terms. Ideal Accounts and Appetite Property management firms with difficult class codes and elevated experience mods (X-mods typically 1.30–3.00) Accounts leaving state funds, assigned-risk, or an insurer of last resort Non-renewed or canceled accounts with prior loss activity New ventures or startups with no prior coverage but valid payroll and operational plans Accounts with coverage lapses that can provide a loss affidavit and supporting documentation Example fits: you might have a client who manages multiple apartment communities with on-site maintenance and security staff and a recent claims history, or a property manager of retail centers that experienced prior coverage gaps and increasing payroll exposure. Coverage Highlights and Advantages Pay-As-You-Go workers' comp — no premium deposit required No premium audits, reducing administrative burden for clients and brokers Improved cash flow through flexible premium and payroll options Dedicated loss control and risk management support tailored to property operations Claims handled proactively with an emphasis on containment and fair outcomes HR support services including unemployment claims, garnishments, COBRA administration, and related services Full payroll services with tax remittance, 941s, W-2s, and payroll compliance support In-house check cutting and other payroll fulfillment options ASO (Administrative Services Only) and PEO (employee leasing) structures available where appropriate High-retention policy design — coverage remains active until canceled per policy terms Underwriting Notes and Minimum Premiums Required submission items: ACORD 130, applicable class supplemental form, three years of loss runs, a loss affidavit for lapsed or no-prior accounts, explanation for any claims over $20,000, and current experience mod sheets Minimum premiums vary by state and by risk class; underwriters will advise at review Only accounts that meet one or more eligibility criteria will be considered; this is not a market for accounts that have competitive standard-market offers Not suitable: low X-mods or accounts simply shopping for lower rates when standard coverage is available Territories and Availability The Non-Standard Workers Comp for Property Management 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, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, and WI. Carrier access and specific appetite vary by state — carriers vary per state and placement is subject to local market availability. Why Work With Novatae Risk Group? Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines broker focused on challenging workers' compensation placements. Our underwriters understand the operational nuances of property management and work with Empire Underwriters to provide non-standard solutions, streamlined underwriting, and a suite of value-added services that make placement and administration easier for you and your clients. Need a quote? Email [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of accounts are a good fit for this program?This program targets property management companies with difficult class codes, elevated experience mods, prior claims issues, or those exiting assigned-risk pools or state funds. Can I submit an account that has had a lapse in coverage?Yes. Accounts with a lapse can be considered if they meet underwriting criteria and include a completed loss affidavit plus supporting documentation. Is prior coverage required for eligibility?No. New ventures or accounts with no prior coverage may be eligible, particularly when they fall into tough classes or have multi-state exposures. Are premium audits required?No. One advantage of this program is the absence of premium audits, which reduces administrative work and helps clients manage cash flow. Which states is this program available in?The program is offered in most U.S. states (see Territories and Availability above). Market access and carrier appetite vary by state and by class. 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.