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... tailored for a wide range of municipalities and special service districts. Wh...iability, public officials liability, EPLI, and umbrella coverage. What states...

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...ides essential protection for municipalities, counties, cities, and other gove...es liability?Yes, the policy includes EPLI coverage, including wrongful termin...

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... County nursing homes Municipalities (including water, sewer, and util...es in Illinois such as counties, municipalities, townships, public schools, an...

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Continental Risk Offering Program for Commercial Contractors Continental Risk / Continental Marine Insurance Services offers a contractors-focused liability program designed for commercial builders and infrastructure contractors whose operations exceed standard market appetites. As a general agency and excess & surplus lines broker, we place complex, high-exposure contractor accounts with markets that understand excavation, structural steel, crane operations, demolition and other heavy-construction risks. Ideal Accounts and Appetite The program has a broad appetite for commercial contracting classes that often struggle in standard markets due to operational complexity or higher limits. Target classes include: General contractors (including those that subcontract 100% of work) Excavation contractors, including water and sewer line work Horizontal boring and directional drilling contractors Iron and steel erection and structural steel contractors Demolition and blasting operations Site preparation, grading, and earthmoving Crane rentals (on-hook sublimits available) Street, road, and infrastructure development contractors Tilt-up concrete construction specialists Seismic retrofitting contractors Owners’ and Contractors’ Protective (OCP) exposures This program is intended for accounts that require tailored underwriting rather than cookie-cutter coverage. For example, you might have a client bidding a municipal infrastructure upgrade that combines deep excavation, crane lifts, and structural steel erection—this program is structured to address that mix of exposures. Coverage Highlights and Advantages Commercial General Liability with Products/Completed Operations coverage Available on ISO Occurrence and Claims-Made forms Customizable endorsements and contractors-specific coverages to address unique jobsite risks Primary limits commonly offered: $1,000,000 per occurrence / $2,000,000 general aggregate / $2,000,000 products/completed ops aggregate Excess liability capacity available upon request to extend limits for larger projects The program’s flexible policy structure allows you to align limits and forms with project requirements—whether you need a single-project OCP policy or an umbrella to consolidate liability across multiple jobsites. Underwriting Notes and Minimum Premiums Underwriting is class- and exposure-driven. The program typically requires a minimum deductible of $5,000. Minimum premiums vary by class, location, payroll/subcontractor costs, and scope of operations. Our underwriters work with agents to evaluate loss history, safety programs, subcontractor controls, and project schedules to offer competitive placements where appropriate. Territories and Availability Continental Risk’s Commercial Contractors Program is available in most states, including but not limited to: CA, TX, FL, NY, IL, AZ, WA. We are licensed in all 50 states plus Washington, DC, giving you national access to contractors solutions, subject to underwriting guidelines and carrier appetite. Why Work With Continental Risk? As a specialist general agency and E&S broker, Continental Risk combines construction underwriting expertise with access to multiple admitted and non-admitted carriers. Our strengths include: Deep broker-carrier relationships that help place hard-to-place accounts Construction-experienced underwriters who evaluate complex operations and craft tailored coverage Flexible placement options for project-specific and programmatic needs Responsive support for quoting, submission strategy, and binding timelines If you have a contractor account that needs specialist attention—complex operations, mixed exposures, or limits beyond standard markets—our team can help identify the right markets and structure. Need assistance placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?This program targets commercial contractors, especially those engaged in excavation, demolition, structural work, crane rentals, and infrastructure development. Are general contractors who subcontract all their work eligible?Yes. General contractors who subcontract 100% of their work are within the target appetite for this program, provided other underwriting criteria are met. What coverage limits are available?Standard primary limits are commonly $1,000,000 per occurrence with $2,000,000 aggregates; excess limits are available on a case-by-case basis. Is this program available in all states?The program is available nationwide and Continental Risk is licensed in all 50 states and DC, subject to carrier availability and underwriting guidelines. What is the minimum deductible requirement?The program typically requires a minimum deductible of $5,000, though actual deductible and premium levels depend on class, location, and exposure. Need help placing an account? Connect with a market specialist.

Bid and Performance Contract Bonds Program from J.M. Wilson J.M. Wilson provides independent agents with access to specialized surety markets for Bid and Performance Contract Bonds. Whether your client is a first-time bidder for a public job or a seasoned contractor pursuing large commercial work, our program is designed to help you secure the right bonding solution — including for accounts other sureties may label hard-to-place. Ideal Accounts and Appetite General contractors and subcontractors bidding on municipal, state, or federal projects New and emerging contractors with limited or no prior bonding history Accounts with challenged financial statements or prior bonding issues Clients who need access to both standard admitted carriers and non-admitted/E&S markets Coverage Highlights and Advantages Competitive pricing within market standards Rapid quote turnaround with typical 24–48 hour response on new submissions Access to both admitted and non-admitted surety markets for wider placement options Experienced underwriting for difficult-to-place and borderline accounts Flexible submission process — applications from other sureties are accepted for review All primary surety partners are A-rated where applicable Underwriting Requirements Last 2–3 fiscal year-end business financial statements Current personal financial statements for all owners Completed Contractor's Surety Questionnaire Current work-in-progress schedule Bank reference letter outlining existing line(s) of credit Owner(s) resume Job reference letters Current Certificate of Insurance Territories and Availability This program is available to agents in the following states: AL, AR, FL, GA, IL, IN, IA, KS, KY, ME, MI, MN, MS, MO, MT, NE, NH, NY, NC, ND, OH, OK, PA, SC, SD, TN, VT, VA, WV, WI, and WY. Why Choose J.M. Wilson? As a Managing General Agency and Excess & Surplus Lines broker, J.M. Wilson combines deep surety expertise with broad market access. We represent a mix of admitted and non-admitted carriers so you can place a wide range of risk profiles. Our underwriters are construction-focused and responsive — helping you move quickly from submission to bid. Typical strengths of this program include fast response times on new accounts, a willingness to consider submissions declined elsewhere, and flexible underwriting for emerging contractors. We make it practical for agents to support clients across the lifecycle — from first-time bidders to established contractors pursuing large infrastructure or commercial projects. Example scenarios: You have a small contractor with limited bonding history bidding on a municipal repair contract — J.M. Wilson can help you find a market that will underwrite the risk and provide a bid bond. A regional builder needs performance and payment bonds for a multi-million-dollar commercial job but has prior financial challenges — our program can evaluate specialty and non-standard markets to secure capacity. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for general contractors and subcontractors bidding on public or private construction projects, including those with limited bonding history or challenging financials. What documents are needed to submit a bond application?Required documents include recent business and personal financials, a completed surety questionnaire, job references, a bank letter, resume of the owner(s), and a current insurance certificate. How quickly can I get a quote?J.M. Wilson typically provides a response within 24–48 hours for new account submissions, depending on the completeness of the application. Are you able to consider accounts that have been declined by other surety markets?Yes. J.M. Wilson specializes in difficult-to-place accounts and can review submissions based on applications from other surety companies. Is this program available in my state?This program is available in over 30 states, including MI, IL, FL, and NY. Please check the full list above or contact J.M. Wilson for confirmation. Need help placing an account? Connect with a market specialist.

... equipment rental companies Municipalities and public works departments Wh...uel distributors, manufacturers, municipalities, auto service operations, and ...

The surety team at J.M. Wilson is eager to help independent insurance agents meet the bond needs of their clients with fast, reliable access to Public Official Bonds coverage. Whether you're working with a first-time notary or a seasoned public official, our team is here to support your submissions with excellent service and broad market access.Sample Classes Public Officials Public Notaries Overview of the Public Official Bonds Program J.M. Wilson offers a flexible Public Official Bonds program designed for independent agents seeking to secure bonding solutions for their public sector clients. We understand the unique requirements these roles carry and work with both standard and non-standard carriers to help you find the best fit. Our team specializes in placing difficult or unusual accounts, and we offer fast turnaround times to keep your business moving efficiently. Target Classes and Ideal Accounts This program is ideal for accounts that include: County, city, or municipal officials required to post a bond as part of their duties Court-appointed officials or clerks Public Notaries needing statutory bonding You might have a client who just got elected as a county treasurer or hired as a court clerk—our team can help you place that bond quickly and competitively. Program Advantages Competitive industry pricing Quick quote turnaround 24–48 hour response time on new account submissions Solutions for hard-to-place or unique accounts Access to both admitted and non-admitted markets We accept applications from other surety markets for review All carriers used by J.M. Wilson are rated “A” or better Underwriting Notes We review each submission based on the specific role, required bond amount, and the applicant’s history. While we do not list a required minimum premium, pricing will vary based on risk factors and bond amounts. We accept applications from other surety companies to help streamline your process. Territories Our Public Official Bonds program is available to agents in the following states: AL, AR, FL, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Why Work With J.M. Wilson? As a Managing General Agency and Excess & Surplus Lines Broker, J.M. Wilson brings decades of experience in surety solutions for independent agents. Our access to both admitted and non-admitted markets, combined with responsive service, allows us to help you place everything from straightforward to hard-to-place public bond accounts. Let our knowledgeable team support your success with fast quotes, strong markets, and expert guidance. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include elected or appointed public officials, such as county clerks, treasurers, and court-appointed officers, as well as public notaries. Can J.M. Wilson handle difficult-to-place bonds?Yes. We specialize in hard-to-place accounts and have access to both standard and non-standard markets to help find a solution. How quickly can I expect a response on a bond submission?We typically respond to new account submissions within 24 to 48 hours, and we offer quick quote turnaround times. Do you accept applications from other surety markets?Yes, we accept applications submitted on other surety companies' forms and will review them for possible placement. Which states is this program available in?This program is available in AL, AR, FL, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Need help placing an account? Connect with a market specialist.