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...nclude: Fungus and mold Lead or lead by-products Wood-destroying organi...

...ce Environmental exposures can lead to serious claims and lawsuits, especi...ble for contractors doing asbestos or lead abatement?Yes, asbestos and lead abatement contractors are among our target...

...used for this program?We work with leading carriers such as AIG, Liberty, Lloy...

...es include: Asbestos and lead abatement contractors Remediation ...alty trades performing remediation, abatement, plumbing, HVAC, roofing, gradin...

Specialized Mold Coverage for Construction Contractors National Environmental Coverage Corporation (NECC) offers a specialized Mold Coverage program for construction-related contractors who face environmental liability from mold contamination. The program provides an occurrence-form Contractors Pollution Liability (CPL) policy as the core coverage, with an optional claims-made Mold Extension. This gives agents a placement option for mold exposures that are often excluded or limited on standard General Liability policies. Ideal Accounts and Target Classes This program fits a broad range of specialty and general contractors working on construction, renovation, remediation, and maintenance projects. NECC partners with agents and brokers placing accounts in these eligible classes: Carpentry Construction Electrical HVAC Industrial Maintenance Insulation / Fire Proofing Masonry Plumbing Restoration Roofing – and others Typical exclusions include contractors involved with Artificial Stucco / EIFS, paper residential general contractors (GCs without direct operations), manufacturers, distributors, real estate developers, and home builders. Coverage Highlights and Advantages Occurrence-form Contractors Pollution Liability (CPL) as the policy base Optional Mold Extension provided on a claims-made basis Coverage tailored to mold and other environmental exposures arising from construction and remediation work Prior acts (retroactive) coverage can be considered with proof of comparable continuous claims-made coverage and underwriting approval This program is designed to protect insureds from third-party liability and remediation costs tied to mold discovered during or after construction activities—an increasingly frequent and costly exposure for contractors. Underwriting Notes and Minimum Premiums Minimum premiums generally start at $4,000 and increase based on class of business, location, operations, and the scale of exposure. Underwriters will review key submission items such as detailed scope of work, loss runs, and prior insurance history. Prior acts or retroactive date requests require proof of continuous comparable claims-made coverage and are evaluated on a case-by-case basis; in some cases retroactive coverage may be limited or unavailable. Territories and Availability NECC places this program nationwide and offers access in all 50 states, including major markets such as California, Texas, Florida, New York, and Illinois. Agents should confirm availability and any state-specific requirements during submission, but broad geographic flexibility makes this a practical option for multi-state books of contractor business. Why Work With National Environmental Coverage Corporation NECC focuses on environmental liability programs with deep construction-related expertise. Agents benefit from an underwriter-led approach, tailored solutions for hard-to-place mold exposures, and national distribution. NECC’s program is intended to bridge gaps left by standard GL policies and to provide workable limits and terms for contractors with documented operations and loss control practices. Example placements you might consider: A restoration contractor performing post-flood remediation that needs protection for potential mold claims discovered after services are completed. A roofing or HVAC subcontractor concerned about latent mold claims tied to water intrusion or system failures on occupied buildings. Frequently Asked Questions What types of accounts are a good fit for this program?Contractors in trades such as HVAC, plumbing, roofing, restoration, masonry, insulation, and related specialties are typically good fits—especially when their operations expose them to potential mold growth on job sites. Is mold coverage offered on an occurrence or claims-made basis?The core CPL is written on an occurrence basis. The optional mold extension is offered on a claims-made basis and is subject to underwriting approval and potential retroactive date requirements. Are paper general contractors eligible?No. Paper residential GCs (those without direct construction operations), real estate developers, and home builders are excluded from this program. Can prior acts coverage be included?Prior acts (retroactive) coverage may be available if the applicant can show continuous comparable claims-made coverage. Each request is reviewed by underwriting and may be limited based on loss history and continuity documentation. In which states is this program available?This program is available nationwide; NECC places coverage in all 50 states, including major markets such as California, Texas, Florida, New York, and Illinois. Need help placing an account? Connect with a market specialist.

...ediation contractors Asbestos, lead, and mold abatement specialists UST/AST testing and...neers, remediation contractors, and abatement specialists are all excellent ca...

...orage Tank Removal Contractors Lead Abatement Contractors Hazardous and Non-H...

...Liability (CPL): Coverages include lead, asbestos, mold remediation, and pollu...

Bonds Insurance Solutions from J.R. Olsen Bonds & Insurance Brokers, Inc. As a trusted Managing General Agency with access to 25 top-rated insurance carriers, J.R. Olsen Bonds & Insurance Brokers, Inc. offers a comprehensive suite of bond solutions for agents and brokers across the U.S. Whether your client needs a surety or fidelity bond, we make it easy to place a wide variety of bond types—many of which can be issued regardless of credit history. Ideal Accounts and Appetite We specialize in helping agents place bonds for a variety of clients, including: Construction contractors needing bid, payment, or performance bonds Developers requiring subdivision bonds for land improvement obligations Businesses or professionals needing license and permit bonds for regulatory compliance Entities involved in litigation requiring court bonds (plaintiff or defendant) Firms needing fidelity bonds to protect against employee dishonesty or fraud We also accommodate niche opportunities, such as mortgage brokers, title and escrow companies, and city/municipal entities that require bonding as part of their operations. Coverage Highlights and Advantages We offer a broad range of bond types, including: Surety Bonds: Contract Bonds — Bid, Payment, and Performance Subdivision Bonds Court Bonds — Plaintiff and Defendant License & Permit (Compliance) Bonds Miscellaneous Financial Guarantee Bonds Fidelity Bonds: ERISA Bonds Manufacturers Business Service Bonds Mortgage Brokers/Bankers Third Party (Loss Payee) Banks, Cities, Title Companies, Escrow Companies Special Programs: Contractors License Bonds — Often issued regardless of credit License & Permit Bonds — Issued up to $50,000 regardless of credit Performance Bonds — Streamlined 2-page app for bonds up to $100,000 California Insurance Broker Bonds — 3-year term for $120 New Program Highlights: Bonds up to $50,000 issued regardless of credit (excludes contract, court, and subdivision bonds) Underwriting Notes Thanks to our wide market access, we offer both specialty and preferred rates based on credit and financial strength. Many bond types can be issued quickly and without extensive credit requirements, allowing you to serve more clients efficiently. We also streamline the application process for specific bond types, including short-form apps for performance bonds. Territories and Availability Our bond programs are available in all 50 states and the District of Columbia, including key markets such as California, Texas, Florida, and New York. We can help you place business wherever your clients operate. Why Work With J.R. Olsen Bonds & Insurance Brokers, Inc.? We combine deep expertise in the bond market with responsive service and flexible underwriting. As a Managing General Agency with access to 25 respected carriers, we can accommodate a wide range of bond needs, from standard license bonds to complex financial guarantee bonds. Our specialty programs and credit-friendly options make it easier for you to serve clients of all sizes. Whether you're helping a small contractor obtain a license bond, or supporting a real estate developer with a large performance bond requirement, J.R. Olsen Bonds & Insurance Brokers, Inc. offers the tools and support you need to succeed. Frequently Asked Questions What types of accounts are a good fit for this program?Our program is ideal for contractors, developers, mortgage brokers, title companies, and other businesses needing surety or fidelity bonds, including those with limited credit history. Can bonds be issued regardless of credit?Yes, many of our license, permit, and contractor license bonds can be issued up to $50,000 regardless of credit. Some exclusions apply, such as contract, court, and subdivision bonds. What is the underwriting process like?We offer streamlined applications for many bonds. For example, performance bonds up to $100,000 can often be written using a two-page application. Our underwriting focuses on credit and financial strength when applicable. Are your bond programs available nationwide?Yes, we offer coverage in all 50 states and Washington, D.C., making it easy for you to serve clients across the country. What carriers do you work with?We have access to 25 different insurance carriers, allowing us to match your client’s needs with the most competitive and appropriate market. Need help placing an account? Connect with a market specialist.