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...insurance program tailored for metalworking and plastics products manufacturer...ducts liability, auto, umbrella, and workers’ compensation. How do I submit a risk or get ...

...facturing and Machining The metalworking industry faces many unique risks –...ommercial Auto, Excess Liability and Workers’ Compensation. Whether protecting a small, lo...

...ng it critical to have a tailored Workers Compensation solution in place. Nova... ventures and accounts with no prior Workers Compensation coverage are eligible for consi...

Tool manufacturers face distinct workers compensation risks because of the ph... of accounts are a good fit for this Workers Compensation program?This program is ideal f...

```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. ```

...and consistent markets serving metalworking and plastic-processing firms natio...tics Insurance Program?Mid-market metalworking and plastics manufacturers or d...

...roader underwriting authority Workers’ compensation available on an admitt... non-admitted (surplus lines) basis. Workers’ compensation is available on an admitted bas...

At Insential, Inc., we understand that placing Commercial General Liability Insurance can be complex due to varying carrier appetites, industry classifications, and jurisdictional nuances. Our experienced team specializes in navigating these challenges to help independent agents and brokers secure the right coverage for their clients across a wide range of industries and operations. Overview of the General Liability Program Insential offers access to a wide array of General Liability Insurance markets, including both admitted and non-admitted options depending on state and class of business. We are an Excess & Surplus Lines Broker with strong market relationships and flexible underwriting capabilities. Whether you’re working with a startup operation or a multi-state business, we can help you find the right solution for your insureds. Ideal Accounts and Appetite Our program supports nearly all classes of general liability business, with special appetite for: Contractors and construction-related risks (including artisan trades) Retail and wholesale operations Light to mid-manufacturing Lessor’s risk only (LRO) and commercial real estate Hospitality and service businesses You might have a client who’s launching a new landscaping business or one who owns several retail locations—Insential can help you find the right general liability solution to meet their risk profile and budget. Coverage Highlights and Advantages Coverage terms and availability will depend on the carrier, state, and class of business, but our markets typically offer: Primary General Liability limits up to $1M/$2M or higher Products and completed operations coverage Contractual liability Optional endorsements based on industry need Excess/Umbrella coverage available when needed Underwriting Notes and Minimum Premiums Minimum premiums vary by class, state, and carrier. We strive to provide competitive solutions for both small and mid-size accounts. Our underwriting team evaluates each submission based on operations, loss history, and carrier fit. We'll help you navigate the submission process to present your client's risks clearly and efficiently. Territories and Availability Insential can place General Liability coverage in all 50 states and Washington, D.C. We work with a broad range of carriers (availability and admitted status may vary by state), ensuring flexibility and access for agents nationwide—including hard-to-place or unusual risks. Why Work With Insential? As a trusted Excess & Surplus Lines Broker, Insential brings deep market knowledge and underwriting expertise to every account. Our team is responsive, solution-oriented, and committed to helping independent agents succeed. Whether you need help placing new business, renewing a challenging account, or finding options for a niche exposure, we’re here to support you every step of the way. Check out all our storefronts for more detailed information or call Insential Inc today for help with all your Commercial General Liability Insurance needs! – 888-571-6160 Frequently Asked Questions What types of accounts are a good fit for Insential’s General Liability program?Our program is well suited for contractors, retail businesses, manufacturers, LROs, and service-based operations. We also consider harder-to-place or unique classes on a case-by-case basis. Is this coverage available in all states?Yes, Insential can offer General Liability markets in all 50 states and Washington, D.C., subject to carrier appetite and local regulations. Are both admitted and non-admitted options available?Yes, we have access to both admitted and non-admitted carriers, depending on the state and the specific risk profile of the account. What information is needed to submit an account?We typically require a completed ACORD application, supplemental forms (if applicable), loss runs, and a detailed description of operations to begin underwriting. Can you help with accounts that have prior losses or are new ventures?Yes, we consider new businesses and accounts with prior losses. Each submission is reviewed individually to determine the best available options. Need help placing an account? Connect with a market specialist.

...y, commercial auto, umbrella, and workers’ compensation available through the ...ectors & officers liability, and workers’ compensation. Who underwrites this program?T...

Captives & Alternative Markets Program From SB&T Smith Bell & Thompson, Inc. (SB&T) offers a comprehensive Captives & Alternative Markets program designed to help agents and brokers place complex and large commercial risks. As Vermont’s foremost independent captive management company, SB&T brings decades of specialized expertise in structuring, forming, and managing a full range of captive insurance vehicles. If you’re looking to deliver customized risk solutions for your clients, SB&T provides the tools and experience to make it happen. Ideal Accounts and Appetite This program is ideal for agents working with large commercial clients who are seeking more control over their insurance costs and risk management strategies. Suitable industries often include manufacturing, transportation, construction, healthcare, and other sectors with consistent loss history and strong risk management practices. You might have a client with high premium outlays or unique exposures that traditional markets struggle to underwrite—this is where captives can offer a strategic advantage. Whether your insured is a single-parent company seeking a pure captive or a group of businesses forming an association captive, SB&T can structure a solution tailored to their needs. Coverage Highlights and Advantages SB&T provides full-scope management for the following captive types: Pure Parent Captives Industrial-Insured Captives Association Captives Risk Retention Groups (RRGs) Branch Captives Sponsored Captives As an approved manager in the domiciles of Vermont (VT), South Carolina (SC), and the District of Columbia (DC), SB&T ensures regulatory compliance and operational excellence. These captive structures offer benefits such as: Improved risk control and loss prevention Potential for underwriting profit and investment income Access to reinsurance markets Tailored coverage for unique or hard-to-place risks Long-term stability in pricing and capacity Underwriting Notes Each captive formation is customized based on the client’s size, risk profile, and goals. While there is no published minimum premium, this program is best suited for medium to large accounts with significant premium volume and predictable loss experience. SB&T works closely with agents and their clients to conduct feasibility studies and evaluate captive suitability before moving forward with formation and management. Territories and Availability SB&T’s Captives & Alternative Markets program is available in: Vermont (VT) South Carolina (SC) District of Columbia (DC) These domiciles are known for their strong regulatory frameworks and supportive environments for captive insurance arrangements. Why Work With SB&T? With a focused expertise in captive insurance, SB&T offers independent agents and brokers a trusted partner for delivering sophisticated alternative risk solutions. Their hands-on management, deep regulatory knowledge, and transparent approach help ensure a successful captive experience for both you and your client. Whether you are new to captives or managing a portfolio of complex risks, SB&T provides the guidance and support you need to compete and win larger accounts. Frequently Asked Questions What types of accounts are a good fit for this Captives program?Large commercial clients with strong risk management practices, stable loss histories, and significant premium volume are ideal candidates. Industries like manufacturing, healthcare, and transportation are commonly represented. What captive structures does SB&T manage?SB&T manages Pure Parent, Industrial-Insured, Association, Risk Retention Group, Branch, and Sponsored Captives across approved domiciles. In which states is this program available?This program is available for captives domiciled in Vermont (VT), South Carolina (SC), and the District of Columbia (DC). Does SB&T assist with feasibility studies?Yes, SB&T works with agents and clients to conduct thorough feasibility studies before forming a captive, ensuring that the structure fits the client’s goals and risk profile. Is this program admitted or non-admitted?This is a non-admitted program focused on captive and alternative market solutions that fall outside traditional insurance parameters. Need help placing an account? Connect with a market specialist.