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Site Pollution Insurance, also called Environmental Impairment Liability (EIL), protects your clients from the financial and legal fallout of pollution incidents at, under, or emanating from their owned or leased properties. As regulatory scrutiny and awareness of environmental hazards increase, businesses can face substantial cleanup costs, third-party claims, business interruption, and reputational harm without the right coverage in place. Citadel Insurance Services places Site Pollution Insurance through a broad panel of markets, including Markel, Starr, AIG, Arch, and ACE. The program supports both admitted and non-admitted placements and is available nationwide across all 50 states and Washington, DC. Citadel’s wholesale underwriting relationships allow you to shop complex or overlooked pollution exposures efficiently. Ideal Accounts and Appetite This program is tailored for agents and brokers handling clients with site-based environmental risk that often goes unrecognized. Typical classes that fit well include: Chemical manufacturers and distributors Property owners, landlords, and real estate investors (including industrial parks) Medical clinics, laboratories, and testing facilities Recycling centers and waste management operations Petroleum product manufacturers and distributors Refineries and related industrial operations Examples: you might have a landlord of a small industrial complex with tenants who handle solvents, or a regional medical testing lab concerned about potential indoor air quality or legionella exposures—both are good fits for this program. Coverage Highlights and Advantages Site Pollution Insurance from Citadel is structured to address a range of on- and off-site environmental exposures. Common coverages include: Onsite and offsite cleanup and remediation costs Third-party bodily injury and property damage arising from pollution incidents Business interruption and loss of income tied to pollution events Coverage for emerging contaminants and indoor air quality issues such as mold and legionella (subject to underwriting) These coverages help clients manage costly surprises and demonstrate prudent risk transfer as environmental expectations evolve. Underwriting Notes and Minimum Premiums Minimum premiums in this program start at $2,500. Submissions should include thorough property and operations information: any known environmental history or prior releases, tenant profiles (if applicable), storage and handling of regulated materials, and current loss-control or mitigation practices. Citadel’s underwriting team can guide you on documentation, pollution-legal-liability (PLL) site assessments, and where admitted vs. surplus placement is most appropriate. Territories and Availability This program is available in all 50 states and Washington, DC. Citadel can place accounts on an admitted basis where available and advantageous, or on a non-admitted/surplus lines basis when the risk or coverage needs require it. Why Work With Citadel Insurance Services? As a wholesale broker focused on environmental and niche commercial lines, Citadel offers deep appetite knowledge, direct access to top carriers, and experienced underwriting support. Working through Citadel helps you: Access multiple markets quickly to improve placement options Receive practical underwriting guidance on complex or legacy exposures Place admitted or non-admitted coverage to match client and state requirements Obtain specialized terms for emerging contaminant exposures where appropriate Whether you’re placing a commercial landlord, an industrial operator, or a healthcare facility, Citadel can help you secure tailored pollution liability protection for your clients. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include chemical manufacturers, property owners, medical facilities, recycling centers, petroleum distributors, and other businesses with potential site-based environmental exposures. Is coverage available in all states?Yes. Citadel places Site Pollution Insurance in all 50 states and Washington, DC, using admitted or surplus markets as appropriate for the risk and jurisdiction. What is the minimum premium for this coverage?Minimum premiums typically start at $2,500, though final pricing depends on the nature, size, and loss history of the account. What types of pollutants are covered?Policies can address a wide range of contaminants—including volatile organic compounds, mold, legionella, and other indoor/outdoor pollutants—subject to underwriting and policy terms. Can this coverage be written on an admitted or non-admitted basis?Yes. Citadel has access to both admitted and non-admitted markets, providing flexibility to place coverage that meets client needs and state requirements. Need help placing an account? Connect with a market specialist.

Standalone Workers Compensation for Staffing Companies from Novatae Risk Group Novatae Risk Group offers a specialized Workers Compensation solution tailored for staffing agencies across a wide range of industries. Whether your staffing client places clerical workers or higher-risk labor roles, this program provides flexible underwriting, competitive pricing, and the ability to accommodate challenging accounts—including those with high experience mods or lapses in prior coverage. Program Highlights: Aggressive Pricing Guaranteed Cost Program Structure Broad Class Code Acceptance High X-Mod ... Okay! Lapse in Coverage ... Okay! Ideal Accounts and Appetite This Workers Compensation program is designed specifically for staffing companies with at least $1,000,000 in payroll. It is ideal for agencies that place employees in a variety of roles, including but not limited to: Light industrial and warehouse workers Healthcare staffing (non-hospital) Clerical and administrative personnel Skilled trades and construction support You may have a client who recently expanded into new labor sectors or one with a temporarily lapsed policy—this program can help you place that business competitively. Underwriting Notes and Minimum Premiums To qualify, accounts should meet the minimum payroll threshold of $1,000,000. The minimum premium starts at $100,000. Novatae accepts submissions for accounts with high X-Mods and even those with a lapse in prior coverage, making it a great fit for hard-to-place or distressed risks. Submission Requirements: ACORD 130 Application 3-5 Years of Currently Valued Loss Runs Copy of Current Policy Declarations Page Experience Modification (X-Mod) Worksheet Territories and Market Access This program is available in most states, including but not limited to CA, FL, TX, NY, IL, and GA. Novatae works with several national and regional A-rated carriers and can offer access to both admitted and non-admitted markets depending on the state and risk profile. Why Work With Novatae Risk Group? As a Managing General Underwriter and E&S broker, Novatae Risk Group brings deep expertise in staffing risk placement. Their flexible underwriting approach and broad carrier access allow agents to confidently place even the most complex Workers Compensation accounts. Fast response times, market access, and creative solutions make Novatae a trusted partner for staffing-related Workers Comp placements. THIS IS NOT A PEO Do you need a Workers Comp Insurance for Staffing Company Quote? 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 staffing companies are eligible for this Workers Comp program?This program is designed for staffing agencies with at least $1,000,000 in payroll and includes a wide range of class codes—from clerical and administrative to light industrial and skilled labor placements. Can I submit accounts with high experience mods or lapses in coverage?Yes, Novatae accepts submissions for accounts with high X-Mods and those that have experienced a recent lapse in Workers Comp coverage. What documentation is required for a submission?You’ll need to provide an ACORD 130 application, 3–5 years of loss runs, a current policy declarations page, and an X-Mod worksheet. Is this a PEO solution?No, this is a standalone Workers Compensation insurance program, not a Professional Employer Organization (PEO) model. In which states is this program available?The program is available in most states, including CA, TX, FL, NY, and many others. Contact Novatae for specific state eligibility. Need help placing an account? Connect with a market specialist.

Continental Risk / Continental Marine Insurance Services offers comprehensive Directors and Officers (D&O) insurance solutions tailored for both non-profit and for-profit organizations. This program is designed to help insurance agents and brokers place coverage that protects key decision-makers and entities from a wide array of management liability exposures. The D&O program covers directors, officers, trustees, employees, volunteers, and the organization itself. It goes beyond traditional liability coverage to address complex and emerging risks, including allegations of fraud, misrepresentation, unfair competition, employment practices violations, and mismanagement of employee or pension benefit plans. Ideal Accounts and Appetite Private Companies: Closely held businesses across most industries. Not-for-Profit Organizations: Including charities, associations, and foundations. Public Entities: Select publicly traded companies (contact for underwriting review). Excess Coverage: Available for companies seeking additional layers of protection. Coverage Highlights and Advantages Directors & Officers Liability: Protects insureds from claims related to management decisions and negligence in their executive roles. Fiduciary Liability: Covers fiduciary duties related to employee benefit plans; available on a primary or excess basis. Employment Practices Liability: Addresses claims such as wrongful termination, discrimination, and sexual harassment. Tenant Discrimination Coverage: Helps property owners and managers defend against discrimination claims brought by prospective, current, or former tenants. Underwriting Notes and Minimum Premiums Primary and excess options are available with flexible structuring. Separate limit towers and retentions can be applied for each coverage part. Coverage is non-cancellable except for non-payment of premium. Capacity limits up to $10 million are available. Primary coverage suitable for entities with revenues up to $750 million. Excess coverage available with no revenue threshold. All classes considered except financial institutions. Minimum premiums vary depending on risk characteristics. Territories and Availability Available in all 50 states and Washington, DC. Some markets are admitted, while others are non-admitted, depending on jurisdiction and risk profile. Why Work With Continental Risk Continental Risk is an experienced Excess & Surplus Lines Broker with access to a broad spectrum of carriers. They offer tailored solutions for complex management liability exposures across various industries. Their underwriting team understands the nuanced needs of both non-profit and corporate clients. Responsive service and flexible program design help agents secure competitive coverage for difficult-to-place risks. Whether you have a non-profit board seeking protection for its volunteers or a mid-sized private company concerned about employment practices claims, Continental Risk provides a robust and flexible D&O insurance solution. Their expansive state availability and ability to write both primary and excess layers make them a valuable partner for agents placing management liability accounts. Frequently Asked Questions What types of accounts are a good fit for this D&O program?This program is ideal for private companies, not-for-profit organizations, and select public companies seeking primary or excess Directors and Officers coverage. Does the program include employment practices liability?Yes, Employment Practices Liability Insurance (EPLI) is available and covers claims such as wrongful termination, discrimination, and harassment. Can I write coverage in any state?Yes, this program is available in all 50 states and Washington, DC. Admitted status may vary by market and state. What is the maximum coverage limit available?Capacity limits are available up to $10 million, depending on the risk and coverage part. Is there a revenue cap for eligible accounts?Primary coverage is available for companies with revenues up to $750 million. There is no revenue limit for excess placements. Need help placing an account? Connect with a market specialist.

Overview of the Program From Novatae Risk Group Novatae Risk Group offers a flexible and competitive Standalone Workers' Compensation Insurance program designed to help independent agents and brokers place business across a broad range of industries. With more than 200 eligible class codes, this program is built to accommodate both established businesses and new ventures, including those with owner resumes. Whether you're working with small manufacturers, contractors, retailers, or professional services, Novatae provides access to markets that match your clients' needs. Ideal Accounts and Appetite This program is ideal for small to mid-size businesses seeking dedicated Workers’ Compensation coverage. Eligible classes span a wide array of industries, including but not limited to: Construction and trades (e.g., drywall, electrical, plumbing, masonry) Manufacturing (e.g., furniture, textiles, machinery, electronics) Retail and wholesale businesses (e.g., clothing stores, wine shops, department stores) Professional services (e.g., attorneys, accountants, real estate agencies) Hospitality and service industries (e.g., hotels, janitorial services, auto repair) If you have a block of small accounts or a new venture looking for workers’ comp coverage, this program is well-suited to help you find a home for them. Submissions with complete documentation are processed quickly, helping you deliver timely solutions to your clients. Coverage Highlights and Advantages Access to 200+ eligible classes Fast approvals with complete submissions Only 15% deposit with 9 installment payment options (payroll reporting available) No billing statement fees Highly competitive pricing New ventures accepted with owner resume Willing to consider underwriting blocks of small business accounts If you have a block of "small accounts" you wish to find a home for, and would like to know more, contact [email protected]. Underwriting Notes and Minimum Premiums The minimum premium for this program is $5,000. Underwriting is straightforward but thorough, with the following submission requirements: Completed Acord 130 form 3–4 years of loss runs No lapses in coverage Details on any large losses Supplemental questionnaire Accounts with clean histories and complete submissions are prioritized for quick turnaround. Territories and Availability Novatae’s Standalone Workers’ Comp 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. Market availability may vary by state, and Novatae works with a range of carriers depending on jurisdiction. Why Work With Novatae Risk Group? Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines Broker with deep expertise in placing complex or underserved Workers' Comp risks. Their broad market access and underwriting flexibility make them a valuable partner for agents and brokers looking to place challenging or niche accounts. Whether you're working with startups, multi-class operations, or accounts with prior claims, Novatae brings the tools and responsiveness you need to close business efficiently. Frequently Asked Questions What types of accounts are a good fit for this Workers’ Comp program?This program is ideal for small to mid-size businesses across 200+ eligible class codes, including contractors, manufacturers, retailers, and professional services. Can new ventures qualify for coverage?Yes, new ventures are acceptable if an owner’s resume is provided as part of the submission. What are the submission requirements?Submissions should include a completed Acord 130, 3–4 years of loss runs, no coverage lapses, details on large losses, and a supplemental questionnaire. Is this program available in my state?It is available in most states nationwide. Contact Novatae to confirm availability and carrier options in your specific state. What is the minimum premium for this program?The minimum premium starts at $5,000, making it suitable for small to mid-size accounts. Need help placing an account? Connect with a market specialist.

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