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Comprehensive Coverage for Artisan Contractors Including New Residential Projects Continental Risk / Continental Marine Insurance Services provides a focused, project-friendly insurance solution for artisan contractors — including those working on new residential construction. Built for agents and brokers, this non-admitted program targets small-to-mid sized contractors across a broad range of trades and includes policy features that help insureds meet contract requirements and manage common jobsite exposures. Ideal Accounts and Target Classes The Artisan Contractors program is a strong fit for residential and commercial trades across more than 30 classes. Typical target classes include: HVAC contractors Electricians Plumbers Carpenters Painters Small general contractors (GCs) New ventures are considered. The program will also handle accounts that include subcontracting — generally up to 50% of payroll or costs — when subcontractors maintain appropriate insurance and meet underwriting requirements. Coverage Highlights and Program Advantages Continental Risk’s Artisan Contractors offering includes several marketable enhancements that help your insureds secure work and reduce contractual friction: Blanket Additional Insured endorsements (CG2033 & CG2037) Primary and non-contributory wording available Waiver of subrogation can be provided No prior-works exclusion No subsidence exclusion No sunset or manifestation clauses Per-project aggregate limits where required by contract Eligibility for accounts with up to $10 million in annual sales These features make the program particularly useful for contractors who need broad additional insured language, primary/non-contributory wording, or per-project aggregate capacity to satisfy GC or owner requirements. Underwriting Notes and Minimum Premium This program is written on a non-admitted basis, which provides flexibility for harder-to-place or emerging risks. The minimum premium begins at $3,000. Submissions that include subcontracting exposures, new residential construction, or requests for higher limits are welcome — provided they meet the program’s underwriting criteria. Territories and Availability The Artisan Contractors program is available in various states through Continental Risk / Continental Marine Insurance Services. Availability and specific underwriting guidelines can vary by state — contact the Continental Risk team to confirm placement options for your client’s location. Why Work With Continental Risk / Continental Marine Insurance Services? Continental Risk brings focused contractor expertise and access to specialty capacity. Agents benefit from a program designed to address common contracting exposures and contract requirements without some of the restrictive exclusions found in other markets. The flexible underwriting approach makes it practical for both established businesses and qualified startups. Example scenarios where this program fits well: A newly formed electrical contractor seeking CGL with blanket additional insured and primary/non-contributory wording to satisfy local subcontracting partners. A small GC with mixed residential and light commercial projects that needs per-project aggregate limits and coverage for multiple trades while occasionally using subcontractors. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for artisan contractors such as electricians, HVAC techs, plumbers, painters, and small general contractors, including those working on new residential construction. Are new ventures eligible for coverage?Yes. The program welcomes startup contractors provided they meet other underwriting criteria. Can the program handle subcontracting exposures?Yes. Accounts with up to 50% subcontracting costs are considered, as long as subcontractors carry appropriate insurance and meet program guidelines. What exclusions are not present in this program?This program does not include prior-works, subsidence, sunset, or manifestation exclusions, offering broader protection for insureds. Is this program admitted or non-admitted?This is a non-admitted program, allowing greater flexibility in underwriting and coverage customization. Need help placing an account? Connect with a market specialist.

... and crew exposure Copies of contracts with government entities or vessel ...ty program summaries, and copies of contracts (government or vessel owner) whe...

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.

... CPL available for long-duration contracts and complex remediation timelines. ...leted application, scope of work or contracts, loss runs, and loss control inf...

Owning and operating a flooring contracting business means juggling schedules, crews, materials and client expectations — and managing the liability that comes with on-site work. Novatae Risk Group offers access to a General Liability Insurance program built specifically for the exposures common to flooring installers. The product was designed by Empire Underwriters to address both residential and commercial installation risks; use this program when your clients need package-level general liability protections with flexible endorsements for construction-related projects. Please contact us at 800-758-8113 to speak to our experienced brokers about your General Liability Insurance for Flooring Installers accounts. Overview This program targets small- to medium-size flooring contractors and installers. Coverage options include common construction endorsements and contract-related enhancements that agents frequently need when placing subcontractors or prime contractors on renovation and new-build projects. Ideal Accounts and Appetite Best fit: independent flooring contractors with annual payrolls under $1,000,000. The program has a clear focus on installers and contractors engaged in: Residential and commercial flooring installation Wood and engineered flooring Carpet, laminate and tile installation New construction (including single-family homes) and repair/remodel projects Typical accounts that will present well include single-trade subcontractors working on residential remodels and small commercial tenants performing tenant build-outs. Accounts with complex operations (significant design/build, heavy equipment rental, or multi-trade contractor operations) may require referral. Coverage Highlights and Advantages Blanket Additional Insured endorsements to satisfy contract requirements Waiver of Subrogation and Primary & Non-Contributory wording available Per-project aggregate limits for construction projects Subsidence and prior projects coverage offered with limitations Available through admitted and non-admitted carriers up to A-XV ratings Underwriting Notes and Minimums Submission should include ACORD applications, a currently valued 3–5 year loss run, and the program supplemental application. Project-specific pollution exposures require completion of the pollution/project-specific application. Minimum premium: $1,500. Territories and Availability Admitted status: Most Available States. This program is available through Novatae Risk Group in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, WV. Carriers include admitted and non-admitted markets up to A-XV ratings depending on the risk and state requirements. How to Submit Send complete submissions with ACORD applications, supplemental application, and 3–5 years of valued loss runs. For project work with pollution exposure, include the pollution/project-specific form. Underwriters review on a case-by-case basis and will advise on endorsements and limit options. Why Place Flooring Installer Business with Novatae Risk Group As a wholesale broker, Novatae Risk Group provides access to a specialized General Liability program tailored for flooring contractors, with both admitted and non-admitted placement options. The program’s contracting endorsements and per-project aggregate capability make it easier for agents to meet common GC and owner contractual demands without multiple referrals. Example scenarios where this program fits: You have a small flooring subcontractor hired for residential remodels with tidy loss history and payroll under $500k — this program can provide blanket additional insured and primary/non-contributory wording to satisfy the GC. A regional installer doing mixed residential and light commercial work on tenant improvements needs per-project aggregate limits and waiver of subrogation — the program offers those endorsements with underwriting consideration. Do you need a General Liability Insurance quote for your Flooring Installer Account? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Frequently Asked Questions What types of flooring installer accounts are a good fit for this program?Small to mid-size single-trade flooring contractors with payrolls generally under $1,000,000. Typical fits include residential remodelers, new single-family home installers, and small commercial tenant improvement installers with standard installation operations. Which endorsements commonly requested by GCs are available?The program can provide Blanket Additional Insured, Waiver of Subrogation, Primary & Non-Contributory wording, and Per Project Aggregate endorsements subject to underwriting and state availability. What submission materials are required to get a quote?Include completed ACORD applications, the program supplemental application, and currently valued loss runs for the last 3–5 years. If the project includes potential pollution exposures, attach the pollution/project-specific application. Are placements admitted or non-admitted?Novatae Risk Group can place this program in most available states through admitted and non-admitted carriers up to A-XV ratings, depending on the state and the specific risk profile. Need help placing an account? Connect with a market specialist.

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