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Garage Liability and Garagekeepers Insurance Program from Ck Specialty Insurance As an experienced Excess & Surplus Lines Broker, Ck Specialty Insurance Associates, Inc. offers a flexible Garage Liability and Garagekeepers Insurance program designed for a wide range of auto-related businesses. This program helps independent retail agents and brokers place difficult or niche garage risks across Idaho, Nevada, and Washington by using non-admitted markets and tailored underwriting. Ideal Accounts and Target Classes This program fits many garage operations that often have trouble in the admitted market. Target classes include: Auto dealers — new, used, wholesale, and internet-based Auto maintenance, repair, and body shops Recreational vehicle and motorcycle sales & repair Antique and classic auto restoration Mobile repair units and roadside assistance providers Valet parking services Auto glass, tinting, upholstery, and vehicle wrap services Salvage yards, dismantlers, and utility trailer repair Heavy truck sales and repair Examples of good-fit accounts you might submit: a rural RV repair shop that runs mobile service calls and needs broad garagekeepers limits, or a used-car dealer with an open-lot exposure and prior minor liability losses that has been declined by admitted carriers. Coverage Highlights Available coverages include (but are not limited to): Garage Liability, Garagekeepers, Uninsured Motorist, Fire Legal Liability, Medical Payments, Dealers Open Lot, Incidental General Liability, Additional Insureds, Broadened Coverages, and Property. Limits available typically go up to $1,000,000 per occurrence / $3,000,000 aggregate for liability, and up to $1,000,000 for Garagekeepers coverage, subject to underwriting and carrier guidelines. Underwriting Notes and Minimum Premiums This is a non-admitted program placed through various surplus lines carriers, which gives Ck Specialty flexibility to craft solutions for more complex or nonstandard risks. Underwriting focuses on operations, location, loss history, and safety controls. Classes with mobile operations, salvage activities, or heavy-truck exposures are considered but reviewed carefully for limits, deductibles, and policy terms. Minimum premiums start at $750 for mono-line Garage Liability or Garagekeepers placements and generally $1,000 for package policies, though final pricing varies by class and exposures. Territories and Availability The program is available to licensed retail agents and brokers placing business in Idaho, Nevada, and Washington. Submissions are reviewed on a case-by-case basis; appetite and terms may differ by state and carrier. Why Work With Ck Specialty Ck Specialty Insurance is a family-owned wholesale brokerage and Western-based MGA and Surplus Lines Broker. They emphasize responsiveness and practical placement strategies for hard-to-place garage accounts. Their carrier relationships and underwriting expertise help independent agents access markets and coverage forms they may not reach directly. Whether your client operates from a remote location, runs mobile units, manages salvage operations, or simply needs broader-than-average liability and garagekeepers protection, Ck Specialty can help you identify placement options and move submissions efficiently. Ck Specialty Insurance: Opening market doors…for you. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for auto dealers, repair shops, body shops, RV and motorcycle service providers, mobile mechanics, valet services, and other garage-related businesses that are hard to place in admitted markets. Is this an admitted or non-admitted program?This is a non-admitted program placed through surplus lines carriers, offering greater flexibility in underwriting and coverage customization. What are the minimum premium requirements?Minimum premiums typically start at $750 for mono-line coverages and $1,000 for package policies, though final premiums depend on class, limits, and exposures. Which states is this program available in?This Garage Liability and Garagekeepers Insurance program is available in Idaho, Nevada, and Washington. Can this program cover mobile operations or roadside assistance companies?Yes—mobile repair units and roadside assistance providers are among the accepted classes. Submissions should detail operations, limits requested, and risk controls to help underwriters assess placement options. Need help placing an account? Connect with a market specialist.

Innovative Insurance Solutions Meeting the Changing Needs of the Eldercare Industry ProSight’s Skilled Nursing Insurance program pairs comprehensive liability solutions with practical risk management services. Our underwriting team specializes in eldercare exposures and brings deep experience placing nursing homes, assisted living and senior living facilities into tailored programs. At ProSight we underwrite eldercare risks with an eye to the claim and legal climates that affect nursing facilities. We can customize General Liability and Professional Liability coverage to address clinical and non-clinical exposures, and we combine preferred pricing with loss control resources designed for this segment. Program Highlights Flexible policy options: Occurrence, Claims-Made, and Conversion (Nose) coverage. Industry-specific, broad GL/PL policy forms tailored for nursing homes, assisted living and senior living operators. Workers’ Compensation placement and a specialty loss prevention program to reduce frequency and severity of losses. Value-added non-clinical risk management consulting and assessment tools to help facilities evaluate exposures and improve daily operations. Streamlined submission and underwriting workflow for faster decisions on standard placements. Coverage Limits and Features ProSight offers a GL/PL non-admitted product commonly placed with a $1M/$3M/$5M structure. Typical limit elements include: Health Care Professional Act: $1M each act / $3M aggregate General Aggregate: $3M; Each Occurrence: $3M Personal Injury / Advertising Injury: $1M Employee Benefits Liability: $1M each act / $1M aggregate Sexual Misconduct coverage: $1M each act / $1M aggregate Hired / Non-Owned Auto: $1M CSL Damage to Premises Rented to You: $50,000; Medical Expense: $5,000 Evacuation and Crisis Management limits: $25,000 each incident / $25,000 aggregate Nose Cover (for conversions from Claims-Made to Occurrence): $1M (when applicable) Ideal Accounts and Appetite ProSight’s Skilled Nursing Insurance program is aimed at: Standalone nursing homes and skilled nursing facilities Assisted living and memory care communities Small to mid-sized owner/operators and managed portfolios with stable operations Accounts willing to engage with loss prevention services and implement non-clinical risk improvements Typical risks that fit well: licensed nursing facilities, assisted living with nursing oversight, short-term rehabilitation units, and small chains under centralized risk management. Risks that may require referral or special underwriting include large, complex multi-state systems with significant adverse loss histories or high-risk clinical programs outside standard eldercare services. Underwriting Notes ProSight emphasizes a practical underwriting approach: concise submissions, attention to claim history and regulatory actions, and documentation of safety and resident-care practices. The program pairs underwriting with proactive non-clinical risk management consulting — a useful differentiator when presenting accounts. Because this offering is a non-admitted product in the states where it is available, please confirm placement suitability for each client and state. Territories & Availability Available in: AL, CT, DE, FL, GA, IL, IN, KY, ME, MD, MI, MS, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, DC, WV, WI. This program is currently offered as a non-admitted product in these jurisdictions; verify state availability and regulatory requirements before submission. Why Place Skilled Nursing Business with ProSight Specialty Insurance As a specialty carrier focused on complex liability lines, ProSight combines experienced healthcare underwriting with loss prevention services built for eldercare. Agents benefit from flexible policy forms, competitive limit structures, and access to consultative risk management — helping you present stronger submissions and protect client operations. Example placement scenarios: You have a six-bed skilled nursing facility with clean loss runs and formal risk management practices — this program can offer tailored GL/PL terms and access to loss control consulting. A regional assisted living operator seeks conversion from a claims-made policy to occurrence coverage — Nose Cover availability can help bridge the conversion risk when eligible. To submit: provide recent loss runs, regulatory or survey reports, staffing and credentialing practices, and a clear description of services offered. ProSight’s underwriters will work with you to identify the best form (Occurrence, Claims-Made or Conversion) for the account and outline available risk management resources. Frequently Asked Questions What types of accounts are a good fit for ProSight’s Skilled Nursing Insurance program?Licensed nursing homes, skilled nursing facilities, assisted living and memory care communities with organized operational controls and defensible loss histories are the core target. Small to mid-sized owner/operators who will engage in loss control are especially well suited. Is this program admitted or non-admitted?The program is offered as a non-admitted product in the states listed on the storefront. Confirm state availability and any placement implications with compliance prior to binding. What liability limits and coverages are available?ProSight commonly places accounts with a $1M/$3M/$5M structure and offers Health Care Professional Act limits, general aggregate and occurrence limits, sexual misconduct coverage, hired/non-owned auto, crisis management and optional Nose Cover for conversions. Exact limits depend on underwriting and eligibility. What submission materials and underwriting items should I include?Include current loss runs, copies of recent surveys or regulatory reports, staffing/credentialing procedures, and a description of clinical and non-clinical services. Highlight any active risk management programs to improve placement prospects. Need help placing an account? Connect with a market specialist.

...ude: Auto repair shops, lube and oil change centers Classic and antique vehicle...

...alarm installers Quick lube and oil change centers Note: Towing operations ...

Installers of burglar alarms, fire alarms, and central monitoring systems face daily challenges—from stiff competition to rapidly changing technology. With Novatae Risk Group’s Alarm Installation Workers Compensation Insurance program, you can place your alarm contractor accounts with confidence and pass reliable coverage and competitive pricing along to your clients. Novatae Risk Group works with multiple markets to deliver a focused Workers Compensation solution for alarm installation contractors. Our program is structured to simplify placement for agents while addressing the specific exposures of the trade. Please contact us at 800-758-8113 to speak to our experienced brokers about your Alarm Installation Workers Compensation Insurance accounts. Program Features: Only $7,500 Minimum Premium Program Highlights: 10% commission Fast turnaround for quotes with completed application Coverage available in over 20 states Submissions: Acord 130 3 Years Loss Runs Supplemental Questionnaire Details on Large Losses Overview of the Program From Novatae Risk Group This program is designed specifically for contractors who install, service, and monitor alarm systems. Novatae Risk Group, acting as a managing general underwriter and excess & surplus lines broker, places these accounts with carriers that understand the trade’s unique exposures—field work, ladder and rooftop access, small-contractor payrolls, and installation-related risks. Ideal Accounts and Appetite Small to mid-sized alarm installation contractors and low-volatility service firms Companies performing burglar alarm, fire alarm, CCTV, access control, and central station monitoring installation and service Accounts with organized safety programs and documented loss history Typically not a fit: contractors with recent large or catastrophic losses, significant payroll outside the stated classes, or high-risk specialty contracting unrelated to alarms. Coverage Highlights and Advantages Program tailored to alarm trade exposures with flexible market access (carriers vary) Fast quote turnaround when submission requirements are complete Competitive terms for well-documented accounts and risk-managed operations Underwriting Notes and Minimum Premiums Underwriting requires a completed Acord 130, three years of loss runs, and the supplemental questionnaire. Provide details on any large losses to avoid delays. The program carries a minimum premium of $7,500; specific terms and pricing depend on the carrier selected. Territories and Availability Available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, WV. Placement may be admitted or non-admitted depending on state and carrier—please confirm on a per-submission basis. Why Work With Novatae Risk Group on Alarm Installation Workers Comp Specialized program focus that helps match alarm contractors with appropriate markets Quick response for complete submissions and access to multiple carriers (carriers vary) Experienced underwriting that understands installation exposures and can evaluate complex loss histories Example account: You might have a three-person alarm installation and service firm with steady payroll, a clean three-year loss run, and routine ladder/roof work—this program can offer market options with competitive terms and prompt quoting. Do you need a Workers Compensation Insurance Quote for your Alarm Installation client? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Frequently Asked Questions What types of alarm contractors are a good fit for this program?Small to mid-sized firms that install and service burglar alarms, fire alarms, access control, CCTV, and central monitoring systems are ideal—especially those with organized safety practices and three years of loss history. What submission materials are required to get a fast quote?Provide a completed Acord 130, three years of loss runs, the supplemental questionnaire, and details on any large losses. Complete submissions receive the quickest turnaround. Is this program admitted or non-admitted?Availability depends on the state and the carrier selected. Novatae Risk Group places business in both admitted and excess & surplus markets as appropriate for the account. What is the minimum premium for this program?The program has a minimum premium of $7,500. Final pricing and terms depend on the carrier and underwriting review. Who should I contact to start a submission?Send the required submission materials via email to the program mailbox or call the listed phone number to reach an underwriter; include payroll and loss run details to speed processing. Need help placing an account? Connect with a market specialist.

Electricians play a vital role in residential, commercial, and industrial construction and maintenance. Their work often involves job-site hazards, coordination with subcontractors, and changing project scopes—making the right liability protection essential. Novatae Risk Group offers a focused General Liability Insurance program for Electrical Contractors through our wholesale brokerage services to help protect your insureds from the routine and contract-driven risks of the trade. This program is designed for small- to mid-size electrical contractors and is placed through a panel of admitted and non-admitted carriers, including markets rated as high as A-XV. Whether the account wires single-family homes, performs tenant improvements, or handles commercial remodels, Novatae provides underwriting flexibility and carrier access to help you place accounts that need responsive service and tailored coverage terms. Call 800-758-8113 to speak with an experienced broker, or email [email protected] with your submission. Program Overview Novatae’s General Liability Insurance for Electrical Contractors is built to support contractors with annual payrolls up to $1 million. The program addresses common exposures electricians face—third-party bodily injury and property damage, operations and completed operations, and subcontracted work—while offering contract-friendly endorsements to meet owner and GC requirements. Target Accounts This program is a strong fit for agents placing: Electrical contractors working on new construction of single-family homes and low-rise commercial buildings Companies performing residential or commercial electrical repair, remodel, or retrofit work Accounts where roughly 75% or more of operations fall within approved class codes You might have a client who installs electrical systems for custom homes or a subcontractor handling wiring for retail tenant improvements—both are examples of accounts that typically place well here. Ineligible Accounts New construction of condominiums, condo conversions, and most townhouse projects (limited exceptions may apply) Projects involving buildings over three stories (with only narrow exceptions) Coverage Highlights Blanket Additional Insured endorsement Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate limits Limited coverage for Subsidence and Prior Projects These endorsements help satisfy common contractual requirements and reduce coverage gaps between the contractor and other parties on the project. Submission Requirements ACORD applications 3–5 years of currently valued loss runs Supplemental application specific to electrical contractors Project-specific pollution application (if applicable) Minimum Premiums and Carrier Placement Minimum premiums start at $1,500, making the program competitive for smaller contracting operations. Novatae places business with both admitted and non-admitted carriers, including high-quality markets rated up to A-XV, allowing flexibility based on the account’s risk profile and state of operation. Territorial Availability This program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, and WV. Contact Novatae to confirm current appetite and carrier availability in your client’s state. Why Work With Novatae Risk Group? As a wholesale broker with deep experience in contractor exposures, Novatae Risk Group offers fast underwriting responses, access to top-rated carriers, and program design that reflects real-world construction risks. Our team can help structure limits and endorsements to meet contract requirements while keeping coverage aligned with your client’s operations. Need a quote? Contact us today at [email protected] or call 800-758-8113 to speak with a broker. Frequently Asked Questions What types of electrical contractors are best suited for this program?This program is ideal for small to mid-size contractors with annual payrolls under $1 million, especially those working on single-family home construction, commercial tenant improvements, and service or repair work. Are new condo construction projects eligible for this program?No. New construction of condominiums and condo conversions are generally ineligible, though limited exceptions may be considered based on the specific project details. What is the minimum premium for this program?The program’s minimum premium starts at $1,500, which often makes it a strong option for smaller electrical contracting businesses. What states is this program available in?The program is available in over two dozen states, including CA, TX, FL, GA, IL, and NC. Contact Novatae to confirm current appetite and carrier access in your client’s state. What underwriting documents are required to submit an account?Provide completed ACORD applications, 3–5 years of currently valued loss runs, the electrical contractor supplemental application, and a project pollution application if applicable. Need help placing an account? Connect with a market specialist.