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Policy Highlights for Builders' Risk Insurance: If your clients are involved in construction or renovation, Colonial General Insurance Agency, Inc. offers a flexible, competitive Builders' Risk program to protect structures and materials during the course of construction. The program accommodates new builds and remodeling projects and is available through select admitted and non-admitted markets, giving you options for standard and harder-to-place risks. Overview of the Builders' Risk Program from Colonial General Colonial General Insurance Agency, Inc. is a regional Managing General Agency and Excess & Surplus Lines broker serving independent agents across the Western United States. With underwriting relationships across admitted and non-admitted carriers, Colonial General can offer tailored Builders' Risk solutions for contractors, developers, builders and property owners. The program supports projects from single-family custom homes to light commercial builds and renovations. Ideal Accounts and Appetite This Builders' Risk program works well for: Residential builders (single-family and multi-family) Light commercial construction (retail, small office, tenant improvements) Remodeling and renovation contractors Developers managing ground-up construction Property owners overseeing their own build projects Projects that present well typically have clear timelines, licensed contractors, required permits, and documented contract values. Colonial General can consider both frame and non-combustible construction; high-hazard projects, large-scale commercial mega-projects, or accounts with unstable work schedules may be less likely to fit without additional underwriting detail. Coverage Highlights and Advantages Property coverage options include: Basic, Broad, or Special Form physical damage coverage Coverage for the building under construction Building materials and supplies in transit or at an unscheduled storage location (standard $5,000 limit; higher limits available on request) Contents and Contractors’ Equipment coverage Equipment Breakdown protection Installation Floater for subcontracted work and materials Replacement Cost valuation where applicable These features help protect clients from theft, fire, vandalism, weather events, and mechanical or equipment failures during the build period. Underwriting Notes Colonial General evaluates submissions individually and offers flexibility across carrier partners. Underwriters will review project scope, construction type, contract language, security controls, and project timeline. Be prepared to provide plans, contractor information, project schedule, and a completed application. Minimum premiums vary by project type, location, and coverage selections—contact Colonial General for specific underwriting and minimum premium guidance on each submission. Territories and Availability This program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Availability can vary by specific project location and risk characteristics, particularly in wind, hail, or other catastrophe-prone areas. Why Work With Colonial General Colonial General combines regional construction expertise with access to both admitted and non-admitted markets, helping agents place standard and more complex Builders' Risk business. Their underwriting team is focused on responsive service and practical solutions, which helps when submitting non-standard projects or when tailored coverage forms are needed. Using Colonial General can speed placement and broaden options for clients who need flexible terms or higher limits. Example scenarios where this program typically fits: You have a client building a cluster of custom single-family homes who needs replacement-cost coverage and materials-in-transit protection. You represent a small developer renovating a retail strip with a defined schedule and licensed subcontractors requiring Builders' Risk during the renovation. Frequently Asked Questions What types of accounts are a good fit for this Builders' Risk program?This program is ideal for residential and light commercial construction projects, including new builds, remodels, and renovations managed by contractors, developers, or property owners. Can this program cover materials in transit or temporary storage?Yes. The program includes a $5,000 limit for building materials and supplies while in transit or at an unscheduled storage location. Higher limits can be requested on submission. Is coverage available for both new construction and renovations?Yes. Colonial General offers Builders' Risk policies for ground-up construction and renovation projects, including interior remodels and structural changes. What states is this Builders' Risk program available in?Coverage is offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Specific availability depends on project details and location. Do you work with admitted or non-admitted carriers?Colonial General accesses both admitted and non-admitted markets, providing flexibility to match coverage needs to each project's risk profile. Need help placing an account? Connect with a market specialist.

Program Highlights: Colonial General Insurance Agency, Inc. offers a flexible and comprehensive Dwelling Liability Only Insurance program tailored for one- to four-family residential properties. Whether you're working with owner-occupied, tenant-occupied, seasonal, or vacant dwellings, we provide solutions to fit your insureds’ unique needs—especially when standard markets fall short. Ideal Accounts and Appetite This program is designed for agents looking to place residential dwellings that don't meet traditional underwriting criteria. We specialize in hard-to-place risks, including: Vacant dwellings Seasonal or secondary residences Dwellings under renovation Unprotected properties (e.g., lacking nearby fire protection) Homes with prior cancellations or non-renewals Low or high-value homes Builders risk properties You might have a client with a vacant property awaiting sale or recently inherited—this program can provide essential liability protection when other carriers decline coverage. Coverage Highlights and Advantages Our dwelling program offers customizable coverage options to meet a wide range of residential exposures. Available coverages include: Personal & Premises Liability Mono-line Liability or Mono-line Property Medical Payments Fire and Extended Coverage DP-3 Special Form Additional Living Expense Fair Rental Value Burglary, Vandalism & Malicious Mischief Unit Owner’s Coverage for Condominiums Optional Day Care Liability (up to 5 children) Residential Vacant Land Liability This flexibility allows you to tailor a policy specifically to your client’s exposures—whether they need protection for a rental property, temporary vacancy, or a primary residence undergoing renovations. Underwriting Notes and Minimum Premiums Colonial General underwrites through a variety of carriers and markets, with both admitted and non-admitted options available depending on the risk and the state. Our underwriters are experienced in non-standard residential exposures and work with you to find the best fit for your client’s needs. Minimum premiums vary by coverage selection and risk profile. Please contact us for details specific to your account. Territories and Availability This program is available to licensed agents and brokers in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General specializes in niche residential markets that many standard carriers avoid. We offer a wide range of flexible coverage options, access to multiple carriers, and underwriting expertise that helps you successfully place hard-to-insure residential properties. From quick quotes to responsive service, we’re committed to making your job easier. Frequently Asked Questions What types of accounts are a good fit for this program?Occupied or vacant one- to four-family dwellings, seasonal homes, renovations, and risks that have been cancelled or non-renewed are ideal candidates. Can I write only liability coverage without property coverage?Yes, Mono-line Liability is available, allowing you to provide liability protection without including property coverage. Is this program available in admitted markets?Some admitted markets are available, depending on the risk type and state. We also offer non-admitted options for harder-to-place risks. Can I write coverage for a vacant residential dwelling awaiting sale?Yes, our program is well-suited for vacant dwellings, including those temporarily unoccupied or awaiting sale or renovation. What states is this program available in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

Overview of the Vacant Dwelling Insurance Program from Jacobs & Associates Jacobs & Associates provides a targeted Vacant Dwelling Insurance program for residential and commercial buildings that are temporarily unoccupied. As an Excess & Surplus Lines broker, Jacobs & Associates places hard-to-place vacant properties through non-admitted carriers, giving you access to flexible short-term solutions when standard markets are not an option. Ideal Accounts and Appetite This program is designed for agents and brokers who need short-term protection for vacant properties. Typical fits include: Vacant single-family homes, duplexes, and multi-family units with or without renovations Vacant commercial buildings (retail, office, light industrial) undergoing renovation or between tenants Builders risk for residential or commercial projects during short construction or renovation periods Accounts that generally do not fit include properties requiring flood or earthquake-only coverage enhancements, accounts with significant prior losses that remain open, or operations with ongoing occupancy and regular business activities. Coverage Highlights and Advantages Jacobs & Associates uses ISO forms to provide clear, standardized coverage. Key policy elements include: Building & Personal Property – CP 00 10 Builders Risk – CP 00 20 Condo Unit Owners – CP 00 18 Basic Causes of Loss – ISO CP 10 10 Premises Liability – ISO CG 00 01 Important underwriting limitations: this program excludes coverage for theft and water damage. Use it when you need property and liability protection for short vacancy periods but can accept those exclusions. Policy Terms, Deductibles, and Minimums Available term options: 3-, 6-, or 12-month policies. Quarterly installment plans are available on 12-month policies. Standard deductibles: Property (no renovations): $250 per occurrence Property (with renovations): $500 per occurrence Liability: $250 per occurrence Minimum retained premiums vary by term: annual, six-month, and three-month policies all include minimum retained amounts (see your underwriter for specifics and applied minimums on each placement). Territories and Non-Admitted Positioning This Vacant Dwelling Insurance program is currently available to agents placing risks in Ohio (OH). Jacobs & Associates operates as an Excess & Surplus Lines broker, placing business in the non-admitted market when standard admitted options are unavailable or unsuitable. Underwriting Notes and Submission Tips Provide a clear vacancy timeline and details of any renovation work—underwriting differentiates between passive vacancy and active construction. Include prior loss history for the property and any active or recent claims related to water, theft, or vandalism. Photos of the property (interior and exterior), contractor details for renovations, and a schedule of values for builders risk submissions help speed approval. Expect stricter underwriting when properties are vacant for extended periods or located in higher-risk areas. Why Work With Jacobs & Associates Jacobs & Associates specializes in placing challenging vacant property risks through a range of non-admitted carriers. Their strengths for agents include: Access to multiple E&S markets for hard-to-place vacant dwellings and builders risk Clear use of ISO forms so coverage scope is predictable and consistent Flexible short-term policy terms and payment options to match transaction timelines Underwriting that accommodates properties with controlled renovation activity Example Scenarios You might have a client who owns a vacant duplex while waiting for a sale and needs short-term property and liability protection without committing to a long-term policy. Or, a commercial investor renovating a small retail strip center requires builders risk and premises liability coverage between tenants—this program can provide a temporary solution while renovations are completed. Learn more about Jacobs & Associates on their CompleteMarkets profile. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include vacant residential homes and duplexes, commercial buildings between tenants or under renovation, and short-term builders risk for both residential and commercial projects. Is this program available outside of Ohio?No. This Vacant Dwelling Insurance program is currently offered only for risks placed in Ohio. Are theft and water damage covered under this policy?No. The program excludes coverage for theft and water damage, so consider additional or alternative coverage if those perils are a concern. Can I get coverage for a property undergoing renovations?Yes. Both residential and commercial properties with active renovations are eligible, but underwriting will require details about the scope of work and contractor controls. What are the available policy terms?Policies may be written for 3, 6, or 12 months. Quarterly payment plans are available on 12-month policies. Need help placing an account? Connect with a market specialist.

Tract Home Builder Program from Novatae Risk Group Novatae Risk Group offers a dedicated Tract Home Builder Program for residential developers and contractors who build multiple single-family homes in planned subdivisions. The program is built to handle the complex liability and coordination exposures that come with multi-home and phased developments, and it provides flexible admitted and non-admitted placement options to fit regional and large-scale builders alike. Ideal Accounts and Appetite This program targets residential tract development projects. Typical accounts we place include: Homebuilders developing multiple single-family units in planned subdivisions General contractors overseeing large residential projects or multiple builders on a single site Developers coordinating phased or long-term tract developments You might have a client building a 50-home subdivision in Texas or a contractor managing a multi-phase project in California — Novatae’s program is structured to accommodate those exposures and timelines. Coverage Highlights and Advantages Traditional Policies (Occurrence Form): $2,500 minimum premium Access to 23 A.M. Best A-VI+ rated carriers Available through both admitted and non-admitted markets Includes CG20101185-equivalent endorsements Offered in most states Per Project Policy: Policy terms extendable from 18 to 36 months or longer Supported by A+ rated carriers Available in most states Wrap Up - CCIPs (Contractor-Controlled Insurance Programs): Backed by over 17 A-VIII or better rated carriers Designed specifically for residential tract developments Limits: $1M/$2M/$2M Deductible: $5,000 Self-Insured Retention (SIR) or higher Minimum Premium: Competitive pricing available Available in all states Wrap-up policies consolidate coverage for all contractors and subcontractors on a project to reduce coverage gaps and disputes. This integrated approach can improve job site safety, simplify loss control and streamline claims handling. Learn more about Wrap Up Coverage. Underwriting Notes and Minimum Premiums Submissions should include detailed project information, construction schedules, and contractor qualifications to secure the most accurate quotations. Traditional occurrence policies start at a $2,500 minimum premium; competitive minimums are available for wrap-up/CCIP structures. Policies can be tailored to match project timelines, phased construction schedules, and the overall risk profile. Territories and Availability Novatae’s Tract Home Builder Program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, and WV. Both admitted and non-admitted placements are available depending on the state and individual risk characteristics. Why Work With Novatae Risk Group? As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group combines deep underwriting expertise with broad carrier access to place complex residential construction risks. We focus on practical, marketable solutions for tract developers and contractors — including occurrence forms, per-project policies, and wrap-up programs backed by highly rated carriers. Our team works with agents to structure coverage that aligns with project schedules and reduces exposure to gaps between contractors and subcontractors. Do you need a Tract Home Builder Quote? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak with an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for contractors and developers involved in residential tract home construction, especially those managing multi-home or phased subdivision projects. Can coverage be customized for different project sizes and durations?Yes. Policies can be tailored per project with terms typically ranging from 18 to 36 months or longer, depending on project scope and client needs. Is this program available on an admitted basis?Yes. Both admitted and non-admitted options are available depending on the state and the risk profile. Are wrap-up policies available nationwide?Yes. Wrap-up CCIP options are available in all states and are backed by highly rated carriers. What is the minimum premium requirement?Minimum premiums start at $2,500 for standard occurrence policies; competitive pricing is available for wrap-up and CCIP placements. Need help placing an account? Connect with a market specialist.

Novatae Risk Group specializes in Wrap-Up programs designed for project-specific General Insurance needs. A Wrap-Up consolidates coverage normally placed separately by owners, general contractors and subcontractors into a single, coordinated policy — reducing coverage gaps, minimizing conflicts between carriers during claim resolution, and supporting consistent safety and loss-control practices. The three core benefits of a Wrap-Up policy are Coverage, Control and Cost Savings. Wrap-Up programs are offered in two primary forms: Owner-Controlled (OCIP) and Contractor-Controlled (CCIP). Both types allow the project owner or prime contractor to spread risk among participants while providing a single insurance platform and coordinated safety program for everyone working on the project. *No two Wrap-Up policies are identical. Contact our office with questions about a specific project or to review a submission. Premiums have softened since the peak of the construction cycle, making now an attractive time for owners and contractors to consider Wrap-Up programs to better manage risk and control project insurance costs. Appetite: Residential tract developments, commercial projects, condos, townhomes, apartments and high-rise construction Program Highlights: Access to markets rated from A-VII to A-XV by AM Best (Non-Admitted AXV carrier) Typical Limits: $1M/$2M/$2M and higher available Builder/GC required to provide 3+ years of loss runs Minimum Premium: Starting at $25,000+ Minimum Deductibles: Typically start at $10,000 (BI/PD) Defense – Inside Blanket Additional Insured, Primary status, Waiver of Subrogation Subsidence coverage available subject to underwriting approval Requires PWC* warranty and formal Wrap administration (PWC warranty placed with a Zurich company) Underwriting Notes and Placement Guidelines This program is tailored for larger single-project placements or programs where consolidating multiple contractors under one policy delivers measurable cost and control benefits. Please expect standard Wrap submission requirements: complete project description, list of contractors and subcontractors, payroll and contract values, safety program documentation, and loss runs for the builder/GC (3+ years preferred). Minimum premiums and deductibles reflect the consolidated exposure profile of wrap-up placements. Limits, retentions and specific coverages (including subsidence or other project-specific endorsements) are set on a project-by-project basis by underwriting. Territories & Availability This Wrap-Up program is offered through a non-admitted AXV market and is available in the following states: AL, AK, AZ, CA, CO, CT, FL, GA, IL, KY, LA, MN, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, WV, WI. Availability may vary by state and by the specifics of the project; underwriters will confirm admissibility and any state-specific requirements during the submission review. Why Place Wrap-Up Business with Novatae Risk Group Specialized underwriting and program administration experience placing project-based Wrap-Up policies. Access to excess & surplus (E&S) capacity where needed for large or complex construction programs. Emphasis on coordinated safety and loss control to help lower claims friction and overall project costs. Responsive underwriting and experienced wrap administration partners, including PWC warranty placement relationships. Do you need a Wrap-Up Coverage 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 projects are a good fit for this Wrap-Up program?This program targets medium-to-large construction projects such as residential tract developments, multifamily (townhomes, apartments, high-rises), commercial developments and condominium projects where consolidating contractor coverage delivers administrative and cost efficiencies. What are the key underwriting minimums and documentation requirements?Underwriting typically requires 3+ years of loss runs for the builder/GC, a complete subcontractor schedule, estimated payrolls and contract values, a project safety plan, and confirmation of required warranties and wrap administration. Minimum premiums generally begin around $25,000 and deductibles commonly start at $10,000 for BI/PD. Is this an admitted program?No. This Wrap-Up offering is placed in the excess & surplus (non-admitted) market through a Non-Admitted AXV carrier. Availability is state-dependent; underwriters will confirm placement options for each project. What submission items help speed up placement?Provide a clear project summary (scope, schedule, location), GC and major subcontractor loss runs, estimated payrolls/values, the proposed list of participating contractors, and any existing safety or loss-control reports. Including a proposed wrap administration plan and confirmation of PWC warranty intent helps underwriters finalize terms faster. Need help placing an account? Connect with a market specialist.

Overview — Contractor Pollution Liability Package from Continental Risk /Continental Marine Insurance Services Continental Risk /Continental Marine Insurance Services offers an Environmental Engineers, Consultants and Contractors (ECC) package designed for environmental contractors, engineers and consultants. This flexible package combines commercial general liability (CGL), contractor pollution liability (CPL) and professional liability into a single policy form so you can place mixed-exposure accounts with one market and one submission. Program Features and Strengths Worldwide coverages available for on-site operations and completed operations. Separate limits for defense to preserve indemnity limits. Transit coverage for pollutant transport and materials in transit. Media & Technology coverage for consultants and firms that provide digital deliverables. Owner/Contractor and Railroad Protective policies available in conjunction with the package. OCP (Owner’s Contractor Pollution) policies available alongside package placements. Excess policy capacity available to build limits over the package. Project-specific CPL policies available up to five years. Competitive pricing backed by an A-rated carrier and wholesale-broker distribution. Loss control support — loss control manuals provided to each insured; mold-specific loss control materials available. Ideal Accounts and Appetite This program is aimed at agents who place environmental contractors, consulting engineers, geotechnical and environmental consultants, remediation subcontractors, tank and excavation contractors, and firms that deliver both technical advice and on-site remediation work. Typical accounts that fit best: Small-to-mid sized environmental contractors performing site remediation, soil excavation, UST removals and similar work; Consulting firms that perform Phase I/II site assessments, monitoring and reporting; Mixed operations that need both professional error & omission protection and pollution liability for on-site work; Clients needing project-specific wrap or CPL terms for longer remediation projects (up to five years). Coverage Highlights and Advantages Integrated CGL, CPL and professional liability — fewer gaps between policy sections and fewer carriers to manage. Separate defense limits help protect indemnity limits for costly environmental defense actions. Transit and media/technology options reduce need for supplemental endorsements or separate policies. Project-specific CPL available for long-duration contracts and complex remediation timelines. Access to excess capacity and A-rated paper through Continental Risk’s wholesale broking channel. Underwriting Notes and Minimum Premium Continental Risk /Continental Marine Insurance Services underwrites on a per-account basis. Key submission items include completed applications, scope of work or contracts, recent loss runs, and details on safety, training and environmental controls. Minimum premium for the program is $2,500.00. Policies may be written admitted in states where admitted paper is offered; otherwise non-admitted placement is used depending on jurisdiction and risk characteristics. Territories and Availability The program is available in the following jurisdictions: 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, WY. Admitted paper is available in some states; Continental Risk will advise whether an admitted or non-admitted placement is appropriate for each account. Why Place This Business With Continental Risk /Continental Marine Insurance Services Wholesale broker access to an A-rated carrier experienced in environmental and professional risks. Single-package solution that reduces coverage gaps between CGL, CPL and professional liability. Dedicated loss control materials and underwriting support to help close submissions. Competitive pricing and excess capacity options to meet client limit needs. Example Accounts You might have a mid-size remediation contractor bidding on a multi-year groundwater cleanup. The project-specific CPL (up to five years) plus CGL and professional liability in a single package simplifies placement and renewals. You might represent a consulting firm that provides site assessments and oversight of subcontracted excavation. The package’s media & technology and professional coverage help protect against both field operations and report errors. Frequently Asked Questions What types of accounts are a good fit for this ECC package?Firms that combine on-site work and technical services — environmental contractors, remediation subcontractors, and consulting engineers — typically fit well. The program works best for small-to-mid-sized operations with documented safety controls and no ongoing, large undisclosed pollution liabilities. Which coverage parts are included in the package?The package includes commercial general liability (CGL), contractor pollution liability (CPL) and professional liability. Transit, media & technology, OCP and railroad protective coverage options are available as endorsements or in conjunction with the package. Is admitted paper available?Admitted placements are available in some states; where admitted paper is not offered, Continental Risk will place coverage on a non-admitted basis as needed. State availability and placement form depend on the jurisdiction and risk profile. What are the submission requirements and minimum premium?Typical submissions should include a completed application, scope of work or contracts, loss runs, and loss control information. The program minimum premium is $2,500.00; final terms depend on exposure, limits and loss history. Need help placing an account? Connect with a market specialist.