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...perating in and around freshwater marinas. As a wholesale broker with access t...eal for freshwater boat dealerships, marinas (wet and dry), yacht clubs, marin...

...as. Our program is ideal for: Marinas and marina operators Boat dealers ...t for this program?We work best with marinas, boat dealers, yacht clubs, marin...

...s, including: Full-service marinas (dry and wet storage, haul/launch fa...is program is ideal for full-service marinas, boat dealers, yacht clubs, saili...

Recreational Marine Insurance Whether your client’s business is a marina, boat dealer, yacht club, boat repair yard or marine artisan, navigating the waters of marine insurance can be challenging. Securing the right coverage to protect against the unique risks your client’s marine business faces is critical. Harbor Risk, a division of IGP Specialty, provides insurance solutions for all types of recreational marine businesses. By choosing to work with Harbor Risk, you’ll receive expert guidance from a knowledgeable team who specializes in marine-related insurance. Our extensive understanding of the marine industry allows us to determine the appropriate coverage for your client’s business, and we provide access to those specialized marine products and solutions.

...rine contractors, ship repairers, marinas and a range of hull, P&I and cargo e...?Accounts that typically fit include marinas with property exposure, boat deal...

...installations, and maintenance at marinas, boatyards, or other locations not o...designed for businesses that work at marinas or boatyards not owned by the ins...

Formed in 2009 by an experienced team of industry executives, Breckenridge Insurance Services was built to deliver a collaborative wholesale brokerage and managing general agent platform tailored to maritime risks. Today Breckenridge offers a broad suite of property & casualty wholesale brokerage products, MGA programs and underwriter program expertise alongside financial services such as asset tracking — all placed with top-rated carriers. United States Longshore and Harbor Workers Compensation (USL&H) Program — Overview Breckenridge Insurance Services provides a targeted USL&H workers compensation program designed for traditional maritime occupations and other workers who are exposed to injury on navigable waters and adjoining areas (wharves, docks, terminals). We combine maritime underwriting experience with market access — including placement capability with an A.M. Best A+ XV carrier partner (Zurich) and other capacity — to offer competitive, comprehensive coverage for shore-based and waterborne maritime employers. Target Classes and Ideal Accounts This program is a fit for insureds engaged in: Stevedoring and longshore operations Shipbuilding, boat building and repair Marina operators and marine terminal operators Marine construction, dock and pier contractors Marine artisan contractors and ship cleaning You might place accounts such as a regional marina with year-round dock staff, a ship-repair yard that employs welders and installers, or a marine construction contractor working on piers and bulkhead repairs. The program also considers non-maritime employees if their work is performed on navigable waters and an injury occurs there. Coverage Highlights and Advantages Coverage tailored to claims that arise on U.S. navigable waters and adjoining areas used in loading and unloading vessels. Ability to place difficult-to-place maritime risks, including accounts with incidental marine employers’ liability (MEL) exposures. Access to multiple carrier options through Breckenridge’s wholesale relationships, including strong admitted capacity. Underwriting driven by maritime expertise — terms and price reflect real operational exposures and loss control considerations. Underwriting Notes & Minimum Premium Underwriting looks at payroll breakdown by class, job functions performed on navigable waters, vessel-related exposures, safety programs, and loss history. Minimum premium varies by account and state — please submit account detail (class codes, payroll, loss runs, operations description) for an accurate indication. Typical submissions that move quickly include clear descriptions of where work is performed (e.g., fixed docks vs. vessel-based) and any marine safety programs in place. Territories & Admitted Status Available in most U.S. states (AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY and DC). Admitted availability: Most available states. Specific admitted/non-admitted placement will depend on class, exposure and carrier appetite. Why Work With Breckenridge on USL&H Business Specialized maritime underwriting expertise combined with wholesale distribution capabilities. Market access to multiple carriers, including A.M. Best rated admitted capacity for competitive placements. Experience placing both routine and harder-to-place maritime accounts, with solutions that consider incidental MEL where appropriate. Responsive submission review — detailed underwriting feedback helps you position the account for the best terms available. How to submit: Provide class codes and payroll by class, recent loss runs, a description of operations and where work is performed, and any safety or training programs in place. Breckenridge underwriters will review and provide appetite and next steps. Frequently Asked Questions What types of accounts are a good fit for Breckenridge’s USL&H program?Accounts that perform work on U.S. navigable waters or adjoining areas: stevedoring, shipbuilding and repair, marina operators, marine construction, dock contractors, marine terminal operators and marine artisan contractors. Non-maritime employees who work on navigable waters may also qualify. Does this program cover incidental marine employers’ liability (MEL)?Yes — the program can consider accounts with incidental MEL exposures. Coverage and terms depend on operations, limits requested, and carrier appetite; include details of vessel exposure and third-party operations in your submission. What information should I include with a submission?Provide payroll by class, class codes, detailed operations description (where work is performed), recent loss runs, and any safety or training programs. Clear documentation of waterborne vs. shore-based work speeds underwriting. Are there geographic or jurisdictional limits I should be aware of?The policy is intended for injuries occurring on U.S. navigable waters and adjoining areas. Availability is broad — most U.S. states and DC — but admitted vs. non-admitted placement varies by state and carrier. How is minimum premium handled?Minimum premium varies by state and carrier. Underwriting will confirm minimum premium requirements during the quoting process based on class mix, payroll and exposure. Need help placing an account? Connect with a market specialist.

Program Overview from Novatae Risk Group Novatae Risk Group offers a focused USL&H - Marine Workers Comp program to help agents place challenging and specialty marine accounts. Whether your client works on vessels, on piers, or onshore adjacent to navigable waters, this program delivers workers’ compensation solutions tailored to maritime and waterfront exposures. Novatae places business with several top-rated carriers (markets as high as AXV by A.M. Best) and provides access to both admitted and non-admitted markets. Ideal Accounts and Appetite This program is built for businesses that require USL&H coverage — from clean-mod operations to accounts with elevated experience mods or prior lapses. Novatae will consider a wide range of marine and waterfront class codes and is comfortable underwriting risks that don’t fit standard markets. Targeted Industries Include: Boat service and repair contractors Fishermen and fishing tour operators Scuba diving trainers and ski rental operators Marina operators and shipbuilders Bridge builders and painters Dock, pier, and marine construction contractors Offshore oil and platform workers Artisan, Trade, and Service Contractors That May Need USL&H: Electricians, painters, and carpenters working over, from, or adjacent to navigable waters Crane installation and repair crews Engine and refrigeration repair technicians HVAC and sheet metal contractors Wallboard installers and concrete workers operating on marine projects Ship cleaning and passenger vessel operations Program Highlights Multiple carrier options — flexibility to place difficult risks Aggressive pricing strategies when appropriate Broad acceptance of class codes and unique marine exposures First-dollar coverage options available Loss-sensitive and high-deductible plan structures Monthly payroll reporting available Not a PEO — this is a traditional workers' compensation program Underwriting Notes and Minimum Premiums Minimum premiums typically start at $10,000 in most states. Novatae evaluates accounts with elevated X-mods and does not automatically decline risks with prior lapses in coverage. Final terms depend on class mix, payroll, loss history, and project details. Territory and Market Access The USL&H - Marine Workers Comp program is available in most U.S. states, including coastal and inland regions: 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. Why Work With Novatae Risk Group As a Managing General Underwriter and E&S broker, Novatae combines niche underwriting expertise with market access for marine and USL&H exposures. Their team focuses on practical placement solutions for accounts that are difficult to place in standard markets and works with agents to structure terms that balance coverage and cost. You might bring Novatae a marina with on-site repair operations and mixed class codes, or a contractor performing bridge work over navigable waters — both are the sort of accounts this program targets. Novatae’s flexibility and carrier relationships make it a strong option when traditional markets say no. Frequently Asked Questions What types of accounts are a good fit for this USL&H program?This program suits marine-related businesses such as boat repair contractors, marina operators, offshore oil workers, and artisan contractors who work on or adjacent to navigable waters. Can I submit accounts with a high experience mod or no prior coverage?Yes. Novatae accepts accounts with high X-mods and is open to risks with lapsed or no prior coverage, subject to underwriting review of the total risk profile. Is this a PEO solution?No. This is a traditional workers' compensation program (not a PEO). Policies are issued through admitted and non-admitted carriers with direct coverage for insureds. What is the minimum premium for this program?Minimum premiums generally start at $10,000 in most states. Actual pricing will vary based on class codes, payroll, loss history, and selected coverage options. In which states is the program available?The program is available in most U.S. states, including coastal and inland regions. See the territory list above for specific states. Need help placing an account? Connect with a market specialist.

Policy Highlights: Boating is a significant investment, and facilities that store or service vessels need insurance that understands their exposures. Colonial General Insurance Agency, Inc. places a specialized On Land Boat Storage Insurance program for commercial storage yards, repair shops, dealerships, and businesses that tow or move boats on land. With access to admitted and non-admitted markets and flexible options, Colonial General helps agents and brokers secure coverages tailored to marine-related, on-land operations. Ideal Accounts and Appetite This program fits businesses that handle boats while they are on land, including: Commercial boat storage yards and dry-dock facilities Boat repair and service shops that offer longer-term or seasonal storage Marine dealers with on-premises storage or display lots Operators that provide towing and in-transit movement of boats between locations Boat dealers are acceptable. Accounts that primarily involve waterborne exposures, marina slips, or slip-based operations typically do not fit this program. Coverage Highlights and Advantages Colonial General’s On Land Boat Storage Insurance leverages garage and marine-related forms to address the specific risks of caring for customers’ boats. Core features include: Garage Liability with limits up to $1,000,000 per accident General Liability Aggregate up to $3,000,000 Medical payments limit of $5,000 Garage Keepers Coverage on a primary basis for specified causes of loss Dealers Physical Damage and False Pretense coverage where applicable Broadened coverages and Fire Legal Liability extensions In-Transit coverage for towing and transport operations Optional commercial property coverage available in many submissions These elements help mitigate exposures such as fire, theft, damage during transport, and customer property liability while vessels are in your client’s care, custody, or control. Underwriting Notes and Minimum Premiums Colonial General places this program with a variety of carriers (admitted and E&S) depending on the risk profile and state. While minimum premium requirements vary by market, the program is structured to accommodate small and mid-sized commercial operations as well as larger storage yards. When you submit, include details on: Storage capacity and types of boats handled (sizes, hull types, value ranges) Security measures: fencing, lighting, alarms, on-site staff Towing and in-transit practices, equipment, and driver qualifications Repair services provided and any customer pick-up/drop-off operations Territories and Availability This program is available in the Western U.S.: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General’s regional underwriting knowledge helps align coverage options with local exposures and regulatory considerations. Why Work With Colonial General Colonial General Insurance Agency, Inc. is a managing general agency and E&S broker with specialty experience in garage, dealer, and marine-adjacent programs. Working with Colonial General gives you: Access to multiple admitted and non-admitted markets not always available at the retail level Underwriting tailored to the nuances of on-land boat storage and towing operations Responsive placement support for complex or higher-value accounts Regional expertise across the Western states served Example fits: you might have a repair shop that expanded into winter storage and needs Garage Keepers on a primary basis, or a dealer that transports boats regularly between showrooms and off-site storage—both are well suited to this program. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for commercial boat storage facilities, marine repair shops, and boat dealers with on-premises or in-transit storage operations. Is water-based storage or marina coverage included?No. This program is designed for on-land storage and does not cover waterborne or slip-based exposures. Which states is this program available in?The On Land Boat Storage Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Can this program cover in-transit towing operations?Yes. In-transit coverage for towing and transport is included, making the program suitable for businesses that move boats between locations. What information is needed to submit a risk?Include the number and types of boats stored, security measures, details of any towing operations, and the scope of repair services offered. Need help placing an account? Connect with a market specialist.

Concrete Industry Insurance – Concrete Pumper General Liability Insurance NORMAN-SPENCER AGENCY'S PUMPRO PROGRAM Norman-Spencer Agency, Inc. offers a nationally recognized insurance solution tailored specifically for the concrete pumping industry. With decades of experience and a deep understanding of the risks involved, our Pumpro Program provides agents and brokers with a comprehensive market to place concrete pumper clients. We offer coverage options in all 50 states and Washington, D.C., backed by A.M. Best "A+" rated carriers. Our program includes General Liability, Auto, Inland Marine, Property, Workers' Compensation, and Umbrella coverage, all designed to meet the unique requirements of concrete pumping operations. Whether your client is a small independent contractor or a large regional operator, we have the tools and expertise to deliver competitive, tailored coverage. Visit www.norman-spencer.com to explore all of our insurance programs. PROGRAM FEATURES Serving the concrete pumping industry since 1989 Endorsed by the American Concrete Pumping Association (ACPA) for over 20 years Insuring over 250 concrete pumping companies across the U.S. Backed by A.M. Best "A+" Rated Carriers Dedicated claims adjusters with concrete pumping expertise Quick quote turnaround Loss control services tailored to concrete operations COVERAGE FEATURES Inland Marine/Property Insurance Building & contents Contractors' equipment Leased/rented equipment Tools and accessories (hoses, clamps, reducers, etc.) Installation floater Rental reimbursement Loss of income coverage available No exclusion for boom overload or collapse Waterborne coverage available General Liability Insurance No deductible $5 million general aggregate Per project aggregate Blanket additional insureds Primary and non-contributory wording Blanket waiver of subrogation No residential exclusions Commercial Auto Insurance State-specific filings where required Workers' Compensation Insurance Blanket waiver of subrogation Commercial Umbrella Insurance Limits from $1 million to $20 million Norman-Spencer Agency offers a wide range of industry-focused insurance programs. Visit our website www.norman-spencer.com to learn more about our full suite of solutions. ADDITIONAL NORMAN-SPENCER PROGRAMS Pumpro – Concrete Pumpers Crane Operations Environmental Consultants Hired & Non-Owned Lawyers Ready Mix Pro Real Estate E&O Marina & Boat Dealers Sand & Gravel Schools Steel Erectors CIS – Trade Contractors Frequently Asked Questions What types of accounts are a good fit for this Concrete Pumper program? This program is ideal for concrete pumping companies of all sizes, including independent contractors and regional operators specializing in commercial or infrastructure projects. Is the program available in all states? Yes, Norman-Spencer offers this program in all 50 states and Washington D.C. What makes this program different from standard commercial insurance? It includes industry-specific features like no boom overload exclusion, dedicated claims adjusters with concrete experience, and blanket coverages tailored to the