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...facturing and Machining The metalworking industry faces many unique risks –...nts to meet the needs of contract manufacturers in the precision tool and manu...

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```html Metal erection contractors face a range of liability exposures due to the nature of their work—operating heavy machinery, transporting expensive equipment, and working with structural steel at varying heights and job sites. These operations create potential risks including third-party bodily injury, property damage, theft of materials, and job site accidents. To help agents place this class of business confidently, Novatae Risk Group offers a comprehensive General Liability Insurance program tailored specifically for Metal Erection Contractors. Empire Underwriters, a division of Novatae Risk Group, has partnered with an “A” rated carrier to deliver responsive and reliable general liability solutions. Backed by over 30 years of construction industry experience, our team understands the unique exposures that come with metal, steel, and iron erection—making us a trusted partner for agents seeking customized coverage and quality underwriting support. Program Overview: This program is designed for small to mid-sized metal erection contractors with annual payrolls under $1,000,000. We focus on helping agents serve clients involved in architectural and ornamental metal work, decorative metal installations, structural steel erection, and related activities. Target Classes: Architectural and Ornamental Metal Work Decorative Metal Work Metal Erection Contractors Metal Fabrication Steel or Iron Erection Eligible Operations: New residential and commercial construction, including single-family homes Repair and remodeling of residential and commercial structures Ineligible Operations: New construction of condominiums, conversions, or townhouses (some exceptions may apply) Projects involving structures over 3 stories tall (some exceptions may apply) Key Coverage Features: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate limits Subsidence coverage (with limitations) Prior Projects coverage (with limitations) Submission Requirements: Completed ACORD applications 3–5 years of currently valued loss runs Program-specific supplemental application Pollution questionnaire (if applicable) Minimum Premium: $1,500 Carrier Access: Admitted and Non-Admitted markets with A-XV rated carriers Availability: Program available in AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, WV You might have a client that fabricates and installs decorative iron railings for upscale residential homes or a small steel erection contractor working on single-story commercial builds. These are ideal fits for our program. Contact us today at 800-758-8113 to speak with an experienced underwriter, or email your submissions to [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?Small to mid-sized metal erection contractors with payrolls under $1 million, including those performing architectural, ornamental, and structural metal work. Are residential and commercial projects both eligible?Yes, the program accepts both new construction and remodeling/repair work for residential and commercial properties. What types of projects are excluded from eligibility?New condominium construction, condo conversions, townhouse projects, and buildings over three stories are generally ineligible, though some exceptions may apply. What states is the program available in?The program is available in over 20 states, including CA, TX, FL, GA, IL, and more. Reach out for specific state eligibility. What documents are required to submit a quote?Submissions should include ACORD applications, 3–5 years of loss runs, a supplemental application, and a pollution questionnaire if applicable. Need help placing an account? Connect with a market specialist. ```

Smith Bell & Thompson, Inc. offers a specialized insurance program tailored for Home Health Care and Medical Equipment Providers. This program is designed to help agents and brokers place coverage for a wide range of healthcare service providers operating in non-hospital environments. Target classes include visiting nurse associations, home health agencies, infusion therapy providers, hospital staffing services, hospices, nurse registries, traveling nurse companies, and suppliers of durable medical equipment. This comprehensive, multi-line program addresses the diverse exposures these businesses face. Coverage options include professional liability, general liability, products liability, third-party fidelity bonds, property, directors & officers (D&O) liability, auto, workers’ compensation, and umbrella liability. Whether your client is a startup home health agency or a multi-state medical equipment distributor, this program is structured to manage complex and evolving risk profiles. Backed by AIG and written on a non-admitted basis, this program brings flexibility and strength to meet the needs of hard-to-place or unique risks. You can place accounts that fall outside the appetite of standard carriers, giving your clients quality protection and peace of mind. Ideal Accounts and Appetite This program is ideal for a range of home-based and ancillary healthcare operations, including: Visiting nurse associations and home health care agencies Hospices providing in-home or facility-based care Infusion therapy and medical staffing companies Nurse registries and traveling nurse businesses Durable medical equipment (DME) and home medical supply distributors Accounts with a strong safety record, clear operational procedures, and professional management are particularly attractive. You might have a client who operates a multi-location DME business or a regional home hospice provider—both are solid fits for this program. Coverage Highlights and Advantages Professional and general liability coverage tailored to healthcare exposures Products liability for medical and therapeutic equipment Third-party fidelity bond for employee dishonesty protection Property and auto coverage for mobile and on-site operations Directors & Officers (D&O) liability for governance risk Workers’ compensation and umbrella options Combining these coverages into a single program simplifies policy management and ensures a coordinated risk transfer strategy for your clients. Underwriting Notes and Minimum Premiums Each submission is reviewed individually to ensure proper alignment with underwriting guidelines. While no specific minimum premium is listed, accounts should be commercially viable and meet basic underwriting standards. Clients with a history of claims or regulatory issues may require additional documentation or risk improvements. Territories and Availability This program is available in most U.S. states, including but not limited to CA, FL, TX, NY, and IL. It is currently written on a non-admitted basis, providing greater flexibility in coverage design and pricing. Coverage is available in all listed states: 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. Why Work With Smith Bell & Thompson, Inc. Smith Bell & Thompson, Inc. brings deep expertise in healthcare and allied health risks. As a trusted wholesaler with access to top-tier carriers like AIG, they offer tailored solutions for challenging placements. Their experience in structuring multi-line programs helps agents confidently serve their healthcare clients. You benefit from responsive underwriting support and a partner who understands the nuances of home health care operations. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include home health agencies, hospices, nurse registries, traveling nurse companies, infusion therapy providers, and DME suppliers. Is this program admitted or non-admitted?This program is written on a non-admitted basis, allowing for greater flexibility in coverage and underwriting. What coverages are included in the program?The program offers professional liability, general liability, products liability, property, D&O, auto, workers’ comp, umbrella, and third-party fidelity bonds. Which states is this program available in?It is available in nearly all U.S. states, including CA, FL, TX, NY, and IL. A full list includes 50 states plus DC. Who is the carrier backing this program?The program is backed by AIG, providing strong financial security and underwriting expertise. Need help placing an account? Connect with a market specialist.

Overview — Smith Bell & Thompson, Inc. Directors & Officers Liability Smith Bell & Thompson, Inc. offers a Directors & Officers Liability program designed for health care organizations — both non-profit and for-profit — and other allied classes where entity and management liability exposures are present. This program provides entity coverage for the named organization and side A/B/C protections for directors, officers and employees, with capacity placed through AIG. It is intended as a practical market for agents who need broad D&O protection with flexible underwriting for national program classes. Ideal accounts and appetite Health care providers and networks, including home care and community health organizations (both nonprofit and for-profit). Trade and membership associations, and other program-style organizations that require entity coverage and management protection. Organizations with defined governance structures and standard financial controls; preferred accounts have documented risk management and claims histories that are manageable. Special consideration and pricing available for National Association for Home Care (NAHC) members. Coverage highlights and advantages Entity coverage included — policy can cover the organization itself as well as individual directors, officers and employees. Broad definition of employment practices (EPLI) claims is available, helping address wrongful termination, discrimination and similar employment exposures. Access to AIG capacity gives broad industry recognition and claims handling experience for complex management liability matters. Program-oriented underwriting that understands multi-entity structures common in health care and association accounts. Underwriting notes and typical restrictions Underwriters look for clear governance, reasonable internal controls, and documented employment practices. Accounts with ongoing regulatory investigations, multiple recent management liability losses, or severe financial distress should be submitted with full explanation and may be declined or subject to restrictive terms. When you submit, include the organization’s bylaws, most recent financial statement, claims history (D&O/EPLI), and any employment policies. These items speed placement and improve the chance of competitive terms. Example scenarios — when to use this program You have a midsize home care agency that recently expanded into multiple states and wants entity-level D&O protection plus EPL coverage for its management team. NAHC membership can help secure preferred pricing. An association of health care providers seeks a single program policy to cover the trade association and its board members. The program’s entity coverage and AIG capacity provide a workable solution for that structure. Territories and availability Available for placement in the following states and territories: 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. Why place D&O with Smith Bell & Thompson, Inc. Program focus on health care and association classes means underwriting and policy wordings tailored to your clients’ exposures. Broad EPLI language and entity coverage help reduce coverage gaps for multi-entity and management exposures. Placement with an experienced market (AIG) and a wholesaler that understands program business helps streamline submission-to-quote turnaround. Special NAHC member pricing is a differentiator when placing home care accounts. Frequently Asked Questions What types of health care accounts work best for this D&O program?Mid-sized to larger home care agencies, community health organizations, and trade associations are a good fit—especially those with documented governance, clean claims histories, and standard employment practices. NAHC members can access special pricing. Does the policy include entity coverage and EPLI?Yes. The program can provide named organization (entity) coverage and includes a broad definition of employment practices (EPLI) claims, protecting both the entity and individual directors, officers and employees. What submission materials speed up underwriting?Provide the organization’s bylaws, most recent financial statement, D&O/EPLI loss run, and employment policies. Complete background on any pending regulatory or litigation matters should also be included. Which carrier capacity is used for this program?Capacity for this Directors & Officers Liability program is provided through AIG. Which states is this program available in?The program is available in most U.S. states and DC, including 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 and WY. Need help placing an account? Connect with a market specialist.

Smith Bell & Thompson, Inc. offers a specialized insurance program tailored for general medical and surgical community hospitals with 100 beds or fewer. Both for-profit and non-profit facilities are eligible under this program, making it a versatile solution for a wide range of healthcare clients. Minimum premium requirement is $25,000, positioning this program for mid-sized risks with meaningful exposure. Coverage includes professional liability and general liability on a claims-made, non-admitted (surplus lines) basis. Additionally, workers’ compensation coverage is available on an admitted basis, offering a complete risk solution for qualifying hospitals. Overview of the Program From Smith Bell & Thompson, Inc. Smith Bell & Thompson, Inc. provides a niche Community Hospitals insurance program designed to help agents and brokers place coverage for smaller hospitals operating in today’s complex healthcare environment. With underwriting support and access to AIG as the carrier, this program offers tailored solutions for the unique risks associated with community hospitals. Ideal Accounts and Appetite The ideal candidates for this program are general medical and surgical community hospitals with a licensed bed count of 100 or fewer. Both for-profit and non-profit organizations are eligible. The program is best suited for hospitals that provide direct patient care and have standard risk profiles for their size and scope. You might have a client who runs a 75-bed non-profit hospital in a rural area or a small for-profit surgical center serving a suburban community—both could be a strong fit for this offering. Coverage Highlights and Advantages Professional Liability – Claims-made, non-admitted coverage tailored for medical practice risk exposures. General Liability – Claims-made, non-admitted, addressing premises and operational liability. Workers’ Compensation – Offered on an admitted basis to meet statutory requirements. By combining key coverage lines into one program structure, Smith Bell & Thompson, Inc. simplifies placement and supports comprehensive protection for your healthcare clients. Underwriting Notes and Minimum Premiums A minimum premium of $25,000 applies, making this program most appropriate for hospital accounts with moderate to significant exposures. Underwriters will evaluate each submission based on services provided, claims history, and overall operational risk. Submissions should include complete details to ensure accurate and timely quoting. Territories and Availability This program is currently available in the following states: Colorado, Illinois, Indiana, Iowa, Louisiana, Michigan, and Missouri. Agents operating in these regions can access specialized underwriting and competitive coverage solutions through Smith Bell & Thompson, Inc. Why Work With Smith Bell & Thompson, Inc.? Smith Bell & Thompson, Inc. brings strong market relationships and a focused approach to healthcare facilities insurance. With direct access to AIG and a commitment to responsive service, they help agents secure quality coverage for complex hospital risks. Their experience in the healthcare niche ensures that submissions are reviewed with insight and efficiency. Frequently Asked Questions What types of accounts are a good fit for this program?General medical and surgical community hospitals with 100 beds or fewer, including both for-profit and non-profit facilities, are ideal candidates. What coverages are included in the Community Hospitals program?The program includes professional and general liability on a claims-made, non-admitted basis, and workers’ compensation on an admitted basis. Is there a minimum premium requirement?Yes, the minimum premium for this program is $25,000. Which states is this program available in?The program is available in Colorado, Illinois, Indiana, Iowa, Louisiana, Michigan, and Missouri. Who is the carrier for this program?AIG is the carrier backing the Community Hospitals program offered through Smith Bell & Thompson, Inc. Need help placing an account? Connect with a market specialist.