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U.S. Risk Insurance Group, Inc. – Home Inspectors E&O Insurance Program Over...eginning at $1,000. Premiums may vary based on limits and risk profile. Need...

...ce Agency, Inc. offers a dedicated Home Inspectors Errors and Omissions Insura...st them during the submission process based on the insured’s services. What is...

Overview — Restaurants Workers Compensation Insurance from U.S. Risk Insurance Group, Inc. U.S. Risk Insurance Group, Inc. offers a dedicated Restaurants Workers Compensation Insurance program designed for independent agents who place restaurant risks of all sizes. This program pairs experienced underwriting with A-rated carriers, loss control tools and focused claims handling to help control frequency and severity for restaurant employers — from single-location family restaurants to multi-state franchise operations. Ideal accounts and target classes This program is built for a broad range of restaurant operations. Typical targets include: Franchise restaurants and multi-unit owners Fine dining and upscale establishments Family-style and casual dining restaurants Lodging restaurants and hotel food & beverage outlets Taverns, bars and brewpubs Catering operations (on- and off-site) The appetite includes both single- and multi-location risks and can accommodate new ventures and complex staffing exposures. Coverage highlights and advantages Workers' compensation coverage tailored to restaurant-specific exposures (slips, cuts, burns, delivery exposures, etc.). Access to A-rated carriers with broad territorial reach to support multi-state placements. Loss control tools and resources aimed at kitchen safety, ergonomic improvements and alcohol-service risks. Claims handling coordinated with vendor partners to promote cost containment and return-to-work strategies. Flexibility to consider accounts with higher experience modification factors and multi-state payrolls. Underwriting notes and submission requirements Underwriters will consider a wide range of restaurant operations but do exclude certain high-risk classes such as quick-serve drive-through chains for delivery exposures (confirm on submission). Key underwriting points: New ventures and start-ups eligible — provide staff projections and safety plans when available. Multi-location and multi-state risks are eligible; scaled quoting available for larger accounts. Delivery operations are acceptable except for fast-food delivery-only models in some situations. Underwriters will review experience modification factors and can entertain higher mods with proper loss control plans. Standard submission items: Completed ACORD application Currently valued loss runs (typically 3–5 years) Mod worksheet and large account supplemental for risks expected to exceed $75,000 in annual premium Example accounts that fit well You have a 3-unit family-style restaurant with moderate payroll seeking better loss control resources and multi-state coverage — this program can provide consolidated placement with proactive claims services. A fine-dining single-location restaurant with seasonal staff and liquor exposure looking for A-rated carrier capacity and return-to-work programs to control claims cost. Territories and availability Available in the following states and territories: AL, AK, AZ, AR, 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. Why place restaurant workers' comp with U.S. Risk Managing General Agency expertise that understands restaurant operations, payroll patterns and seasonal staffing. Access to admitted markets and A-rated carriers with national reach for multi-state owners. Practical loss control and claims strategies that help agents demonstrate value to clients by reducing total cost of risk. Streamlined underwriting for multi-unit accounts and tailored submissions for accounts with higher payroll or experience mods. If you represent multi-unit restaurant owners or operators with specialized exposures, discuss this program with your U.S. Risk underwriter to explore available capacity and loss control partnerships. Frequently Asked Questions What types of restaurant accounts are the best fit for this program?The program works well for franchise and multi-unit owners, fine dining, family-style restaurants, taverns/bars, lodging food & beverage outlets and catering operations. Delivery is eligible in many cases except for some fast-food delivery-only models. What submission materials does U.S. Risk require?Provide a completed ACORD application, currently valued loss runs (typically 3–5 years) and, for larger accounts, a mod worksheet and large account supplemental when annual premium is expected to exceed $75,000. Can U.S. Risk consider high experience modification factors?Yes — the program can entertain higher experience mods if the account demonstrates a plan for loss control, staffing stability, and proactive claims management. Is this program available for multi-state placements?Yes. U.S. Risk can place multi-location and multi-state restaurant accounts through A-rated carriers listed for the states shown in the storefront availability. Need help placing an account? Connect with a market specialist.

...s start around $2,500 and increase based on risk characteristics, limits, and ... $2,500, though actual pricing varies based on the account's exposures and sel...

...ed insurance solutions for nursing home transportation services. If you’re an ...e a good fit for this program?Nursing homes, assisted living facilities, and e...

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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.

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