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...tions; includes land with ponds or lakes We can write buildings up to 6 stori...n you write vacant land with ponds or lakes?Yes. Our program includes coverage for vacant land with ponds and lakes, and we do not impose acreage limi...

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...consider properties with up to two lakes or ponds and up to 1,000 acres per lo...can also consider land with up to two lakes or ponds. Are structures allowed o...

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Contractor's Professional Liability Access E&S Insurance Services offers a Contractor's Professional Liability program that helps agents place contractors who perform work and also provide design, engineering or value-engineering services. Contractors that combine construction and professional services face expanded legal exposure — from negligent design or installation to mold, asbestos or pollution allegations — and this program is built to address those gaps. Overview of the Program From Access E&S Insurance Services This program is designed for agents seeking E&S capacity and admitted options (where available) for contractors that perform construction and design-related services. Coverage is focused on professional errors & omissions tied to construction activities, defective materials, pollution-related claims, and exposures such as mold, asbestos and respirable dust. Ideal Accounts and Appetite General contractors and design/build firms that provide in-house or subcontracted design Artisan contractors who install products and give technical or design guidance Contractors offering agency or at-risk construction management Entities involved in joint ventures with design firms Accounts that need explicit mold, asbestos, silica or pollution-related professional coverage Typical fits are small to mid-sized contractors and design/build operations with documented quality controls and risk management practices. Large national contractors or pure architectural/engineering firms usually require specialist placement and may not fit this program. Coverage Highlights and Advantages Professional liability for negligent design, specification or errors and omissions by the contractor or subcontracted designers Coverage for defective materials or product failures tied to professional services Pollution-related claims and specific cover for mold, asbestos and respirable dust/silica exposures Ability to cover in-house design, subcontracted design, and joint venture arrangements Flexible placement through admitted markets where available and E&S placement through Access E&S where needed Underwriting Notes and Minimum Premiums Underwriting focuses on the scope of design exposure, contract wording, project types, prior loss history and risk controls. Be prepared to submit: Details on design work performed (in-house vs. subcontracted) Sample contract language and indemnity provisions Loss runs and claims history Information on pollution or environmental exposures (mold, asbestos, silica) Minimum premium: $2,500. Final terms, admitted availability and pricing will depend on state, class, limits requested and underwriting review. Territories and Placement States available: AZ, CA, CO, NV, TX, WA. The program includes some admitted market options in select states; where admitted capacity is not available, placement is handled on an excess & surplus (non-admitted) basis through Access E&S. Why Work With Access E&S Insurance Services on Contractor's Professional Liability Specialized E&S broker expertise for construction and design exposures. Access to multiple markets and flexible placement options for accounts with mixed construction/design risk. Product wording that recognizes hybrid construction/design operations and pollution/mold exposures. Responsive underwriting for agents placing mid-market contractors needing tailored professional liability protection. Example client scenarios You have a regional design/build contractor that self-performs structural work and also provides design changes on-site; they need professional liability coverage tied to those design services plus protection for mold-related remediations. An HVAC installer who provides system layout recommendations and product specs for commercial tenants — the account needs coverage for negligent design advice and potential pollution claims from improperly installed equipment. Frequently Asked Questions What types of accounts are a good fit for this Contractor's Professional Liability program?Good fits are general contractors, design/build firms and artisan contractors that perform construction and also provide design, specification or value-engineering services — especially accounts with potential mold, asbestos or pollution exposure. Is admitted coverage available?Some admitted markets are available in select states. Where admitted capacity is not available, Access E&S places accounts through excess & surplus lines. Admitted options depend on the state and underwriting details. What minimum information does underwriting request?Underwriters typically request a description of design work, sample contracts, loss runs, project types and any environmental or contamination exposures (mold, asbestos, silica). Clear documentation of risk controls helps secure better terms. What is the minimum premium?The program minimum premium is $2,500; final pricing depends on coverage limits, state placement and the account’s specific exposures. Need help placing an account? Connect with a market specialist.

...her a client operates on the Great Lakes, the Gulf Coast, offshore waters, or ...

Overview of the Program From Access E&S Insurance Services No risk management strategy is complete without adequate protection against employment practices exposures. Access E&S Insurance Services places stand-alone Employment Practices Liability (EPL) policies through E&S markets to fill gaps that traditional D&O or package policies sometimes leave open. Judgments and settlements in employment disputes are increasing, and many matters resolve with payments borne by the defendant—making a dedicated EPL form a practical solution for your clients. What this program provides The program offers modern EPL wording that addresses a broad range of employee-related exposures and often removes allocation and deductible issues common to non-stand-alone placements. Coverage is typically written on a claims-made basis and many markets available through Access E&S provide options such as Claims Expense Outside the Limit of Liability, low per-claim deductibles, and flexible minimum premiums. Coverage Highlights and Advantages Harassment Wrongful termination Discrimination Constructive termination Hostile work environment Failure to hire or promote Whistleblower retaliation Third-party acts directed at employees Punitive damages coverage where allowable by law Carriers: Various. Because Access E&S is an Excess & Surplus Lines Broker, it can access multiple non-admitted markets to place difficult or specialized EPL risks. Ideal Accounts and Appetite This program is best for employers who need a stand-alone EPL policy rather than relying solely on D&O or package coverage. Ideal accounts include small to mid-sized private companies and non-profit organizations across industries such as healthcare, hospitality, retail, technology, construction and manufacturing. Many carriers within the program welcome employers with good HR controls and documented personnel practices. Accounts with multiple prior or recent EPL claims, ongoing regulatory investigations, or high-severity exposures may require enhanced underwriting or be declined depending on carrier appetite. Example scenarios You have a mid-sized retail client who wants broader defense coverage for harassment and discrimination claims than their D&O policy offers — this program can provide a targeted EPL solution. A startup technology firm with fast hiring and limited HR documentation needs EPL limits and defense outside the limit options to attract executive talent — a stand-alone EPL placement through Access E&S can be quoted for that need. Underwriting Notes and Minimum Premiums Most forms are written on a claims-made basis. Available options often include Claims Expense Outside the Limit of Liability and deductibles that can be as low as $1,000 per claim with minimum premiums that vary by carrier and state. Underwriting typically reviews employee counts, HR practices, prior employment-related claims, corporate culture controls (investigations, training, handbook, termination procedures) and any current or prior regulatory activity. Territories and Availability This program is available through Access E&S in the following states: AZ, CA, CO, NV, TX, WA. As an E&S broker, Access E&S places coverage on a non-admitted basis with multiple markets as needed; appetite and terms vary by carrier and state. Why Work With Access E&S Insurance Services on EPL Access to multiple E&S markets for flexible wording and capacity. Program placement expertise for standalone EPL to avoid allocation issues with D&O policies. Responsive underwriting for accounts that need tailored limits, deductible structures, and defense expense options. Practical guidance for submissions—agents can expect focused questions on HR controls and claim history to secure the most competitive offerings. Frequently Asked Questions What types of accounts are a good fit for this program?Small to mid-sized employers and non-profits that need standalone EPL protection—especially where D&O or package policies leave gaps for employee-related exposures. Industries commonly placed include healthcare, hospitality, retail, tech, construction and manufacturing. Are policies written on a claims-made basis?Yes. Most carriers in this program issue EPL on a claims-made basis. Many also offer options such as Claims Expense Outside the Limit of Liability; specifics depend on the selected market. What are typical submission requirements?Underwriters generally request an application, company payroll and employee counts, details of any prior employment-related claims, copies of employee handbooks and HR procedures, and information about executive and managerial training programs. Is this program admitted or non-admitted?Access E&S places EPL through Excess & Surplus Lines markets. Availability and terms are subject to each carrier’s state filings and appetite; the program is offered in AZ, CA, CO, NV, TX and WA. How do deductibles and minimum premiums typically look?Deductible options can be competitive—some carriers offer per-claim deductibles as low as $1,000. Minimum premiums and exact deductible structures vary by carrier and state, so provide full submission details to receive accurate indications. Need help placing an account? Connect with a market specialist.