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Workers Compensation Insurance for paving contractors is often costly because the work is high-risk. Crews face hazards such as burns from hot asphalt, chemical and fume exposure, respiratory irritation from smoke, and physical injuries like back strains, sprains, or hernias from lifting and equipment operation. Even well-managed paving businesses can have severe or frequent claims, so placing the right workers’ comp program is essential to protect your clients and control long-term costs. Novatae Risk Group, in partnership with Empire Underwriters, leverages more than 30 years of experience helping agents and brokers place tailored Workers Compensation solutions for paving contractors. We combine underwriting expertise for high-hazard classes with access to multiple carrier options so you can find terms for accounts that are difficult to place in standard markets. Ideal Accounts and Appetite: Experience MOD of 1.30 or higher High-hazard or difficult class codes (paving, asphalt, surface prep) Blue-, gray-, and white-collar workforces Accounts currently in state pools or assigned risk funds Distressed, lapsed, or canceled policies New ventures with no prior coverage Multi-state operations and accounts with out-of-state exposures Hard-to-place workers compensation risks requiring specialty markets This program is built for accounts other carriers may decline or price aggressively — including contractors with prior claims, complex payroll mixes, or multi-jurisdictional exposures. If you have an insured that has been assigned to a state fund, is new to the trade, or has an elevated MOD, this program is designed to provide practical placement options. Coverage Highlights and Advantages: Fast turnaround on submissions to keep placement timelines tight Access to many "A" rated carriers and surplus markets (varies by state) Stand-alone workers compensation policies and integrated work comp solutions Guaranteed cost programs as well as dividend and retrospective (retro) plans High-deductible and large-loss financing options Custom account handling and flexible underwriting for qualified risks Underwriting Requirements and Minimum Premium: Completed ACORD 130 application 3–4 years of loss runs Detailed explanations and documentation for any large or recurring losses Completed supplemental questionnaire when requested Minimum premium starts at $10,000. Underwriting flexibility is available for certain qualified accounts; submit complete information to get the most favorable consideration. Territories and Availability: This program is available in most states. Representative availability includes 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. Multi-state exposures are handled regularly — provide jurisdictional payroll details with submissions. Why Work With Novatae Risk Group: As a Managing General Underwriter and Excess & Surplus Lines broker, Novatae Risk Group offers deep market access and specialty underwriting for challenging workers compensation placements. Our relationship with Empire Underwriters gives you direct pathways to a variety of admitted and non-admitted carriers. We focus on practical placement, responsive underwriting, and account-level flexibility that helps you keep business with your clients. Need a Workers Compensation Insurance quote for a paving contractor client? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Example accounts that typically fit this program: A regional paving contractor with a MOD of 1.45, multi-state payroll, and several prior medical-only claims seeking alternatives to the assigned risk pool. A start-up asphalt surfacing business with limited loss history and mixed class codes needing stand-alone workers comp coverage and flexible payroll handling. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?Paving contractors with elevated MODs, hard-to-place class codes, prior losses, multi-state operations, or those currently in assigned risk pools. New ventures are also considered when documentation is provided. Can I submit accounts with lapsed or canceled coverage?Yes. Distressed accounts, including those with lapsed or canceled policies, are within the program’s appetite when underwriting requirements are met and loss explanations are provided. What documents are required to get a quote?Provide a completed ACORD 130, 3–4 years of loss runs, details and reserves for any large losses, and a completed supplemental questionnaire if requested by underwriting. Is this program available in all states?The program is available in most states, including major paving markets such as CA, TX, FL, NY, and IL. We routinely handle multi-state exposures; list all jurisdictions on the submission. What is the minimum premium for eligible accounts?The minimum premium requirement is $10,000. Final pricing depends on payroll, loss history, class mix, and underwriting evaluation. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Parking Lot/Driveway Insurance program to help agents place difficult-to-insure accounts across the western U.S. The program can provide Property and Liability coverage on a monoline or package basis and is designed for businesses that perform parking lot, driveway, and sidewalk services. It is ideal for contractors engaged in cleaning, sweeping, paving, seal coating, striping, snow removal (incidental), and pressure or water cleaning—operations with routine exposure to high-traffic areas and surface-maintenance risks. Ideal Accounts and Appetite This program is best suited for small to mid-sized contractors and maintenance companies specializing in: Parking lot and driveway cleaning or sweeping Paving and repaving services Seal coating and line striping Incidental snow removal (not heavy or prolonged snow operations) Pressure washing or water cleaning of sidewalks and lots Underwriters prefer accounts with documented safety practices and stable loss histories. Operations that perform structural work, have frequent prior claims, or conduct heavy snow-removal on a regular basis often fall outside the program’s appetite. Coverage Highlights and Advantages Property Coverage Includes: Basic, Broad, or Special Form options Building, Contents, and Business Income Contractor’s Equipment and Inland Marine Computer Equipment and Equipment Breakdown Accounts Receivable and Valuable Papers Outside Signs Replacement Cost or Actual Cash Value valuations Commercial General Liability Features: Primary limits up to $3,000,000 occurrence/aggregate Medical Payments – $5,000 included Umbrella/Excess available up to $25,000,000 (subject to underwriting) Additional Insured endorsements available for $100 each Minimum deductible of $500 Crime Coverage Options: Inside premises — theft of money and securities Inside premises — robbery or safe burglary of property Outside premises coverage Underwriting Notes and Minimum Premiums Colonial General works with a mix of admitted and non-admitted carriers depending on state and account specifics. A $500 deductible is standard; final pricing will depend on the scope of operations, payroll, revenue, equipment values, and loss history. Clean, well-documented submissions with clear safety programs and loss-control measures receive the best consideration. Territories and Availability This program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General leverages regional underwriting relationships across the western U.S. to place accounts in both admitted and excess & surplus markets where appropriate. Why Work With Colonial General As a Managing General Agency and Excess & Surplus Lines broker, Colonial General provides agents streamlined access to competitive markets and underwriting expertise for niche contracting risks. Their Parking Lot/Driveway Insurance program pairs flexible coverage options with regional market knowledge—helpful whether you’re placing a new paving startup or an established lot-maintenance contractor. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for contractors involved in parking lot or driveway cleaning, sweeping, paving, seal coating, striping, and incidental snow removal or pressure washing. Are both property and liability coverages available?Yes, Colonial General offers both Property and Commercial General Liability coverage on a monoline or package basis, depending on the needs of the insured. What states is this program available in?The program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Can I get Excess or Umbrella limits through this program?Yes, Excess or Umbrella limits are available up to $25,000,000 subject to underwriting approval. Does the program include coverage for contractor's equipment?Yes, Contractor’s Equipment coverage is available under the Property section of the policy. Need help placing an account? Connect with a market specialist.

Street and road contractors face unique liability exposures due to the nature of their work—handling hot materials, operating heavy machinery, and working in high-traffic environments. Novatae Risk Group, in partnership with an “A” rated carrier, offers a specialized General Liability Insurance program tailored for small to medium-sized street and road contractors. This program is designed to help insurance agents and brokers place accounts that require dependable coverage with streamlined underwriting and responsive service. With over 30 years of experience in the contractor market, our team understands the challenges your clients face on the job site and after project completion. Whether your insured is laying asphalt for municipal roads or repairing commercial driveways, Novatae delivers coverage solutions that address real-world risks. Program Overview This General Liability program is specifically designed for small to medium-sized street and road contractors with annual payrolls under $1 million. Our underwriting team is focused on fast submissions and practical risk solutions to help you secure coverage for your insureds efficiently. Target Classes and Eligible Operations Highway Construction Street and Road Contractors New construction for residential and commercial properties, including single-family homes Repair and remodeling of residential and commercial projects Ideal accounts include small paving contractors working on local roads, municipal sidewalks, or commercial parking lots. For example, you might have a contractor client who repaves streets for small towns or performs curb and gutter work for retail developments—those accounts are a great fit. Ineligible Risks New construction of condominiums, condo conversions, and townhouses (some exceptions may apply) Projects involving structures over 3 stories (some exceptions may apply) Coverage Features Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate Subsidence coverage (with limitations) Prior Projects coverage (with limitations) These coverages are designed to meet the contractual requirements often found in city, county, or commercial jobs while protecting your clients from third-party claims during and after project completion. Submission Requirements Completed ACORD applications 3 to 5 years of currently valued loss runs Program-specific supplemental application Project-specific pollution application, if applicable Minimum Premium and Market Access Minimum premium starts at $1,500. We offer access to both admitted and non-admitted markets, backed by carriers rated as high as A-XV. This flexibility allows us to tailor coverage based on the unique needs of each risk. Available States 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. Why Work With Novatae Risk Group? As a wholesale broker with decades of contractor insurance experience, Novatae Risk Group delivers responsive service, deep market access, and underwriting insight that helps agents write more business. Our in-house team understands the nuances of contractor liability and works closely with you to deliver competitive quotes and comprehensive coverage tailored to your client’s operations. Call us today at 800-758-8113 to speak with one of our experienced brokers, or email your submission to [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized street and road contractors with annual payrolls under $1 million, including those involved in paving, curb work, and municipal road projects. Are both residential and commercial projects eligible?Yes, the program covers new construction and remodeling of both residential and commercial properties, including single-family homes. What are some ineligible risks?We typically cannot place new construction of condominiums, condo conversions, or projects involving structures over three stories, though exceptions may be considered. Is this program available in my state?The program is available in over 25 states, including CA, TX, FL, GA, and IL. Contact us to confirm availability in your specific state. What documents are required to submit an account?You’ll need ACORD applications, 3–5 years of loss runs, a supplemental application, and a pollution-specific form if applicable. Need help placing an account? Connect with a market specialist.

SitePro® from NIP Group is a specialized insurance program tailored for contractors engaged in land preparation and improvement. Designed to meet the unique needs of this niche, SitePro® provides comprehensive coverage solutions with low minimum premiums, making it an ideal fit for a wide range of site-related contracting operations. Ideal Accounts and Appetite SitePro® targets contractors who specialize in the essential groundwork that enables successful construction and land development projects. Eligible classes include: Excavation Contractors Site Preparation Contractors Land Grading Contractors Paving Contractors If you're working with clients who handle clearing, grading, trenching, or other groundwork services, this program offers a competitive and targeted solution. Coverage Highlights and Advantages SitePro® delivers broad coverage designed to respond to the exposures contractors face before vertical construction begins. With access to a variety of carriers, NIP Group can tailor solutions to fit diverse operations and risk profiles. The program includes: Specialized forms and endorsements for site preparation risks Liability and property coverages aligned with field operations Programs built to accommodate both small and mid-sized accounts A typical account might be a regional excavating firm with 20 employees and a fleet of heavy equipment, needing both general liability and inland marine coverage. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the size and complexity of the risk, but the program is structured to accommodate a broad range of accounts, including smaller contractors. NIP Group works with a variety of carriers to offer flexible solutions. Underwriters understand the nuances of site prep exposures and work closely with agents to structure competitive submissions. Territories and Availability SitePro® is currently available in 32 states. The program is admitted in most of those states, offering stability and ease of placement. Coverage is available in major markets such as CA, TX, NY, FL, and NJ, as well as many others. See the company profile for a full list of states. Why Work With NIP Group? As a leading Managing General Agency with deep experience in industry-specific programs, NIP Group brings niche underwriting expertise and strong carrier relationships. Agents benefit from responsive service, market access, and a program that’s built from the ground up to support contractors working in the site preparation space. Whether you're placing a seasoned excavation firm or a growing grading contractor, SitePro® offers the right combination of coverage, pricing, and support to help you win and retain business. Frequently Asked Questions What types of accounts are a good fit for the SitePro® program?SitePro® is ideal for excavation, land grading, site preparation, and paving contractors. These are typically firms involved in preparing land prior to building construction. Is this program available nationwide?SitePro® is currently available in 32 states, including major markets like CA, TX, NY, FL, and NJ. Admitted paper is available in most of these states. Are small contractors eligible for coverage?Yes. The program is designed to accommodate a range of operation sizes, including smaller contractors, with low minimum premiums and flexible underwriting. What coverages are included or available in SitePro®?The program typically includes general liability, property, inland marine, and other coverages tailored for site preparation risks. Specific offerings vary by account. Why should I place site prep business with NIP Group?NIP Group offers specialized expertise, responsive service, and access to multiple carriers, making it easier to place and retain site prep accounts with confidence. Need help placing an account? Connect with a market specialist.

From culverts and driveways to major interstates and highway overpasses, Novatae Risk Group offers a tailored Workers Compensation Insurance solution designed specifically for bridge and road construction contractors. Through Empire Underwriters, a division of Novatae, agents can access a flexible and robust program that meets the complex needs of infrastructure and roadway contractors of all sizes—from small, local construction firms to large, multi-state operations. This program is an excellent fit for agents looking to place challenging or high-hazard construction accounts. Whether your client is a new venture, has a high MOD, or is operating in a state pool, Novatae can help provide competitive options through a wide network of carriers and risk management solutions. Ideal Accounts and Appetite Experience Mod of 1.30 or higher High hazard and tough class codes Blue, gray, and white-collar construction operations Accounts currently in state pools or funds Distressed, lapsed, non-renewed, or cancelled policies New ventures welcome Multi-state operations are a specialty You might have a client whose road construction company recently expanded into multiple states or one with a lapse in coverage due to claims activity. These are the types of accounts that this program is built to support. Coverage Highlights and Program Features Access to many “A” rated admitted and non-admitted carriers Stand-alone Workers Compensation policies Guaranteed cost, dividend, retro, and high deductible options Integrated workers comp solutions and custom account handling Fast turnaround on submissions This program is designed to deliver flexible underwriting and fast broker service, helping you retain or grow your book of business in the heavy construction sector. Submission Requirements & Minimum Premium Completed ACORD 130 application 3–4 years of loss runs Details on any large losses Supplemental questionnaire Minimum premium starts at $10,000, depending on the risk profile and state. Territories and Market Access This Bridge and Road Construction Workers Compensation Insurance program is available in most states, including but not limited to CA, FL, TX, NY, and IL. Novatae Risk Group works with a wide range of carriers (varies by state) across both admitted and non-admitted markets. Why Work With Novatae Risk Group? Novatae Risk Group, through Empire Underwriters, offers deep expertise in high-hazard workers compensation risks. As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae provides agents with access to markets and underwriting flexibility not always available through standard carriers. Whether you’re looking to place a tough risk or offer your client more competitive options, our team of experienced brokers is ready to assist. Please contact us at 800-758-8113 to speak to our experienced brokers about your Bridge and Road Construction Workers Compensation Insurance accounts. Do you need a Bridge & Road Construction Workers Compensation Insurance Quote? 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 accounts are a good fit for this program?This program targets bridge and road construction contractors, especially those with high MODs, tough class codes, multi-state operations, new ventures, or distressed coverage histories. Is this program available for new construction businesses?Yes, new ventures are accepted. The program is designed to support both established contractors and startups in the bridge and roadway construction industry. Are multi-state risks eligible?Yes, one of the strengths of this program is handling accounts with multi-state exposures. It's especially suited for contractors operating across several jurisdictions. What documents are required to submit an account?You’ll need a completed ACORD 130, 3–4 years of loss runs, details on any large losses, and a supplemental questionnaire. What is the minimum premium for this program?The program typically starts at a $10,000 minimum premium, but this may vary depending on the risk and state. Need help placing an account? Connect with a market specialist.

Overview — National Environmental Coverage Corporation: Monoline Contractors Pollution Liability National Environmental Coverage Corporation (NECC) offers a Monoline Contractors Pollution Liability program designed for contractors who face environmental exposures during construction, remediation, demolition, or maintenance work. This program is intended for independent agents and brokers placing accounts that require targeted pollution liability protection on either an annual or per-project basis. Coverage is available on occurrence or claims-made forms, with options for prior acts (retroactive) coverage where underwriting approval and proof of prior continuous coverage exist. Occurrence or Claims Made Form Nose Coverage and Prior Acts Available Annual & Per Project Policies Defense Costs can be in addition to or included in the policy limits Mold coverage is available (if requested) for most types of contractors Examples of Eligible Classes: Asbestos Abatement Boiler Inspection / Installations Concrete Construction Debris Removal Demolition Dredging Drillers (Not Oil & Gas) Electrical Excavation / Grading of Land Fencing General Contracting Hazardous Materials Heating, Ventilation & AC Industrial Maintenance Insulation / Fire Proofing Landscapers Lead Abatement Liquid Waste Masonry Mechanical Construction Metal Extraction Mold Remediation Painters Paving Pile Driving Plumbing Restoration Rigging Roofing Salvage Operations Sewer & Water Main Soil Remediation Street & Road Maint. Tunneling UST / AST Utility Waste Water Welders And Many More !!!! Coverage Highlights and Advantages Flexible form options: occurrence or claims-made forms to suit the insured’s exposure and placement needs. Prior acts (retroactive) coverage available subject to underwriting and verification of prior comparable coverage. Policy period options: annual master policies or per-project (per job) limits for single-job exposures. Defense costs can be handled inside or outside the policy limit, based on program selections and underwriting. Mold coverage can be added by endorsement for most contractor classes when requested. Standard Limits, Deductibles and Minimums Standard base limits up to $1,000,000 per occurrence with a $1,000,000 policy aggregate (lower limits also available). Limits up to $5,000,000 are available on either an annual or a per-job basis. Minimum deductible: deductibles start at $2,500. Minimum premium: starting at $2,000 (excluding mold). Accounts including mold typically start at $4,000 and up. Taxes and fees are additional where applicable. Underwriting Appetite and Typical Restrictions NECC targets contractors with environmental exposures arising from construction, remediation, demolition, waste handling, and site work. Typical acceptable accounts include general contractors, specialty trade contractors (plumbing, roofing, paving), demolition and asbestos/lead abatement contractors, soil and groundwater remediation contractors, and restoration firms. Accounts with clearly documented controls, strong safety programs, and stable prior coverage histories are preferred. Underwriting may decline or restrict accounts with: ongoing or poorly documented contamination, oil & gas drilling operations, large-scale industrial chemical manufacturing, or histories of repeated pollution incidents. Mold coverage is underwritten separately and is not available for all risks. Territories and Availability This program is available through NECC in the following 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, WV, WI, WY. Availability, terms and capacity will vary by state and by the specific exposures of the risk. This program is non-admitted in certain situations; confirm market status with NECC underwriting for placements in regulated admitted markets. Why Place This Business with NECC Program expertise: NECC focuses on environmental liability for contractors and offers flexible forms and limits suited to construction and remediation exposures. Flexible placement: annual or per-project options let you match coverage to the insured’s operational and contractual needs. Underwriting support: NECC evaluates prior acts requests and mold extensions on a case-by-case basis and can structure defense within or outside limits. Wide class appetite: an extensive list of eligible contractor classes helps you place diverse accounts through a single program. Example Accounts That Fit This Program You have a remediation contractor performing soil excavation and groundwater treatment on multiple small to mid-size sites — consider an annual policy with prior acts if they have continuous claims-made coverage history. A general contractor bidding on a single demolition and asbestos abatement project — a per-project (per job) policy with appropriate limits and a mold endorsement (if requested) can be placed. * This is a brief outline only. Occurrence form CPL and/or CGL is not available for some exposures/risks. Mold coverage extension is not offered for all risks. Security and coverage availability will vary depending on exposure, risk factors & location. The minimum premium is the base for the smallest eligible risk. Taxes and Fees are in addition to premium. Prior Acts (retroactive) coverage requires proof of comparable continuous claims made coverage and is subject to underwriting approval. Some risks may be offered limited retroactive coverage or in some cases no retroactive coverage. Frequently Asked Questions What types of contractor accounts are a good fit for NECC’s Monoline Contractors Pollution Liability program?This program fits contractors with environmental exposures from construction, demolition, remediation, restoration, utility and site-work operations — for example, asbestos/lead abatement, excavation, soil remediation, demolition, plumbing, roofing, and general contracting. High-risk industrial manufacturing or oil & gas drilling are typically not a good fit. Does NECC offer occurrence and claims-made forms, and can prior acts be added?Yes. The program offers both occurrence and claims-made forms. Prior acts (retroactive) coverage is available on a case-by-case basis and requires proof of comparable continuous claims-made coverage and underwriting approval. Can I bind coverage on a per-job basis?Yes. NECC supports both annual policies and per-project (per-job) policies. Per-job placement is commonly used for single-site demolition, abatement or remediation contracts. What are the minimum premium and deductible expectations?Deductibles start at $2,500. The minimum premium typically starts at $2,000 excluding mold; accounts including mold generally start around $4,000 and up. Final premiums depend on exposure, limits, form, and coverage extensions. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers targeted coverage solutions for water truck operations through its Water Truck Insurance program. This program is designed for both "for hire" and "not for hire" operations and pairs flexible liability limits with optional physical damage protection and territory choices to fit common contractor and municipal hauling exposures. Overview of the Program From Colonial General This program is underwritten and placed by Colonial General as a Managing General Agency and Excess & Surplus lines broker. It provides agents with access to multiple markets (carriers vary) and can be positioned as admitted in some states or placed non-admitted where necessary. The program focuses on water trucks used for dust control, construction compaction, landscaping, agricultural use, and municipal or utility support. Coverage Highlights For hire and not for hire operations accepted. Liability limits up to $1,000,000 Combined Single Limit (CSL). Physical damage coverage available with deductible choices typically ranging from $500 to $5,000. Radius options available up to 500 miles to accommodate regional hauling operations. Carrier availability varies by account and state — Colonial General uses multiple markets to place risk. Ideal Accounts and Appetite This program suits a range of small- to mid-sized commercial accounts that operate water trucks as their primary or supporting equipment. Typical good-fit classes include: Construction contractors providing dust control and compaction services. Aggregate and paving companies that use water trucks on- and off-site. Municipal agencies or public works departments with municipal water truck fleets. Landscape and irrigation contractors operating water-bearing trucks for dust suppression or watering jobs. Accounts with professional, experienced drivers, documented maintenance programs, and moderate annual mileage are preferred. High-risk operations (e.g., longhaul interstate tanker operations, oilfield fluid hauling, or those with significant lapse in maintenance records) may be declined or submitted to specialized markets only. Underwriting Notes and Submission Guidance When preparing submissions, include the following to improve placement chances: Current driver MVRs and company driving policy. Vehicle schedule with year, make, model, GVW, and serial numbers. Hours of operation, typical radius, and primary use of the water truck (dust control, hauling potable water, etc.). Loss history for the past 3–5 years and details on any significant claims. Details on safety, training, and maintenance programs. If you are unsure about minimum premiums or any program thresholds, note that minimum premium levels and specific terms vary by carrier — please contact Colonial General to confirm current minimums and available deductibles for the target state. Territories and Availability Available in: AZ, CA, CO, ID, NV, NM, UT, WY. Because admitted availability is limited in some states, Colonial General will place eligible accounts on admitted paper where markets permit and on E&S in other jurisdictions. Confirm admitted vs. non-admitted options on a per-submission basis. Why Work With Colonial General on Water Truck Accounts Specialized underwriting experience placing water truck and construction support fleets. Access to multiple carriers and E&S capacity to find solutions for tougher risks. Flexible liability limits and physical damage options that align with contractor needs. Responsive submission review and underwriting guidance to help you prepare a complete file. Example scenarios: You have a local paving contractor running two water trucks for dust control and compaction within a 150-mile radius. This program can provide liability up to $1,000,000 CSL and physical damage with a deductible that fits the client’s budget. A municipal public works department wants coverage for a small fleet of water trucks used seasonally. Colonial General can evaluate admitted options where available or place appropriate E&S coverage to meet the entity’s needs. Next Steps for Agents Prepare a complete submission with vehicle and driver details, loss history, and usage information. Colonial General underwriters will review for appetite and advise on admitted vs. non-admitted options and any available deductible choices. For current carrier availability and exact program terms, submit via your usual broker channel or contact Colonial General directly to discuss the account. Frequently Asked Questions What types of water truck operations are a good fit for this program?Construction contractors, paving and aggregate companies, municipal public works, and landscape contractors using water trucks for dust control, compaction, and similar local hauling tasks are typically a good fit. Longhaul tanker operations or oilfield fluid hauling are generally outside the appetite. What liability and physical damage options are available?The program offers liability limits up to $1,000,000 CSL and physical damage with deductible options usually ranging from $500 to $5,000. Exact limits and deductibles depend on the carrier selected for the account. Are admitted policies available?Some admitted markets are available depending on the state and account characteristics. Where admitted placement is not available, Colonial General can place coverage through Excess & Surplus lines markets. Confirm admitted availability on each submission. What information should I include with a submission to speed placement?Provide vehicle schedules, driver MVRs, a clear description of operations and typical radius, maintenance and safety program details, and loss history for the last 3–5 years. Complete submissions result in faster and more competitive placement. Need help placing an account? Connect with a market specialist.

Overview of the New York Workers Compensation Insurance Program Novatae Risk Group offers a robust New York Workers Compensation Insurance Program designed to support agents and brokers in placing complex, high-risk, or hard-to-place accounts. Whether your client is a startup with no prior coverage or a large company in a high-hazard industry, this program provides flexible solutions tailored to the unique challenges of the New York market and surrounding states. Ideal Accounts and Appetite This program is ideal for accounts that may not qualify for standard markets, including those with: Experience Mods of 1.30 or higher High-hazard or tough class codes Blue, gray, and white-collar operations Placement in state pools or assigned risk funds Distressed, lapsed, or non-renewed policies New ventures and startups Multi-state operations, especially those based in or including New York You might have a client such as a road construction firm with prior losses or a staffing agency with multi-state workers—both are examples of accounts that could be eligible under this program. Coverage Highlights and Program Features Fast turnaround times for quotes and submissions Access to multiple “A” rated carriers, including Hartford and Zurich Stand-alone Workers Comp policies available Guaranteed cost plans and integrated solutions Non-PEO and PEO/employee leasing options High deductible, dividend, and retroactive rating plans Consent to rate expertise Custom account handling and client check-writing options Sample Eligible Classes Agriculture Assisted Living Bridge & Road Construction Carpentry Concrete & Asphalt Dirt Work Elderly Care Facilities Excavation Farms In-Home Care Iron & Steel Line Maintenance Logging Machine Shop Maid Services Manufacturers Masonry Non-Profit Organization Nursing Homes Oil & Gas Paving Pipeline Retail Roofing Sawmills Services Sheet Metal Staffing Companies Tower Erection Trucking & Transportation Submission Requirements Completed ACORD 130 application 3–4 years of loss runs Details on any large losses Supplemental questionnaire Territories and Market Access This program is available in New York, as well as surrounding states including Connecticut, Massachusetts, New Jersey, Pennsylvania, Rhode Island, and Vermont. With access to both admitted and non-admitted markets, Novatae Risk Group can structure solutions that meet your insured’s needs while maintaining flexibility across jurisdictions. Why Work With Novatae Risk Group? As a seasoned Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group brings deep underwriting expertise and access to several top-rated carriers. Their team specializes in complex and distressed Workers Compensation risks, offering responsive service, creative structuring, and a consultative approach. Whether you’re placing a start-up roofing contractor or a multi-state manufacturing group, Novatae can help you secure the right coverage and structure. Do you need a New York Workers Compensation Insurance Quote? 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 accounts are a good fit for this Workers Comp program?This program is ideal for high-hazard classes, distressed accounts, businesses with high MODs, new ventures, and those placed in state funds or pools. It also supports multi-state exposures. Can I submit accounts that have been cancelled or non-renewed?Yes, Novatae specializes in helping agents place lapsed, cancelled, or non-renewed Workers Comp policies, including those with gaps in coverage. What documentation is required to submit an account?You’ll need a completed ACORD 130, 3–4 years of loss runs, details on large losses, and a supplemental questionnaire. Do you offer stand-alone Workers Compensation policies?Yes, Novatae offers stand-alone Workers Comp solutions, as well as integrated and high-deductible options to meet different client needs. In which states is this program available?This program is available in New York, Connecticut, Massachusetts, New Jersey, Pennsylvania, Rhode Island, and Vermont. Need help placing an account? Connect with a market specialist.

A Maintenance Bond provides assurance that completed construction projects will remain free from defects in workmanship or materials for a specified period after completion. These bonds are commonly required by project owners as a condition of final acceptance, ensuring that the contractor will correct any issues that arise due to substandard work or materials. Some maintenance bonds may also include guarantees of operational efficiency or performance standards. Allstar Surety, a division of Allstar Financial Group, is a national Managing General Underwriter (MGU) specializing in contract surety. We deliver a full suite of contractor bond solutions designed to meet the diverse needs of your construction clients. Agents and brokers rely on us to help place business for accounts ranging from small trades to mid-size general contractors. Ideal Accounts and Appetite Our Contract Surety Maintenance Bond program is a strong fit for licensed contractors who have recently completed public or private sector construction projects and need to provide post-completion bond guarantees. Typical accounts include general contractors, electrical and mechanical subcontractors, paving and grading contractors, and site development firms. You might have a client who just finished a municipal road resurfacing project or a new school building and needs to post a maintenance bond to meet the contractual close-out requirements. Our markets are able to support both standard and non-standard risks. Coverage Highlights and Advantages Guarantees against defective workmanship and materials Can include operational performance guarantees where required Accepted by public and private project owners Backed by A.M. Best-rated and U.S. Treasury-listed carriers Available across a wide range of construction trades Underwriting Notes and Minimum Premiums We offer flexible terms and conditions tailored to the project and contractor profile. Our underwriters are experienced in evaluating a broad range of financial and operational backgrounds. Minimum premiums vary based on the bond amount, term, and risk profile. Territories and Availability Allstar's Contract Surety Maintenance Bond program is available in KY, MD, MO, NJ, OH, PA, and WV. We place business through carriers such as Companion, American Southern, and Knightbrook. Most of our offerings are admitted in these states, providing confidence and compliance for your clients. Why Work With Allstar Surety Allstar Surety is a trusted partner to independent agents and brokers nationwide. We offer: - Access to both standard and non-standard surety markets - Competitive pricing backed by experienced underwriting - Fast turnaround on submissions and responsive service - Local offices to support your regional needs Let Allstar be your preferred partner for contract surety bond solutions. Contact one of our underwriters today to learn more about how we can help you place Maintenance Bonds efficiently and effectively. Frequently Asked Questions What types of accounts are a good fit for the Contract Surety Maintenance Bond program?Contractors who have completed public or private construction projects and are required to guarantee their work post-completion—such as general contractors, electrical, mechanical, and paving contractors—are ideal candidates. Which states is this program available in?This program is currently available in Kentucky, Maryland, Missouri, New Jersey, Ohio, Pennsylvania, and West Virginia. Are your carriers admitted?Most of our markets are admitted in the available states, and all are A.M. Best-rated and U.S. Treasury-listed for added financial strength and reliability. What is the typical turnaround time for bond issuance?We offer quick turnaround times, often within 24–48 hours depending on the complexity of the submission and underwriting requirements. Can you handle non-standard surety risks?Yes, we have access to markets that accept both standard and non-standard risks, allowing us to accommodate a wide range of contractor profiles. Need help placing an account? Connect with a market specialist.

Inland Marine — Contractor's Equipment (Amwins Program Underwriters) Amwins Program Underwriters, part of the Amwins Underwriting division, offers an Inland Marine program for Contractor's Equipment under the direction of industry veteran Heather Frain. This program is designed for agents and brokers who need admitted paper, flexible scheduling, and expanded ancillary coverages for construction and trades equipment. Overview of the Program The program writes coverage on 100% U.S. admitted paper for contractor's equipment, which removes E&S tax considerations and typically speeds processing for your insureds. The underwriting philosophy is “service-above-all,” emphasizing partnership and quick, pragmatic responses to submissions. Ideal Accounts and Appetite Street and road contractors Building and general contractors Sewer, water, and cable contractors Excavation, paving, and grading contractors Municipal risks and public works contractors Artisan and specialty trade contractors Logistics and warehouse operations with material-handling equipment Typical fits are contractors and trades that maintain owned or scheduled equipment, rent or lease equipment to/from others, or require specific inland marine coverages such as rigger's liability or waterborne transit. Cranes are eligible when included on a schedule with other contractor's equipment (no blanket single-crane-only accounts that would trigger boom/overload exclusions). Coverage Highlights and Advantages Admitted paper for all placements — simpler premium reporting and faster processing. Low entry point: programs accept accounts with a low minimum premium (example: $1,000). Schedule-based contractor's equipment coverage with options to add: Leased or rented FROM / TO others Waterborne coverage for specified transit risks Rigger's liability Rental cost reimbursement and continuing rental/lease payments Bailees coverage where required Underwriting flexibility for mixed-fleet schedules (light equipment, heavy equipment, and cranes on the same policy). Focused service—from quote to policy issuance—guided by a dedicated underwriting team. Underwriting Notes and Minimums Minimum premium: competitively low (the program advertises a low minimum premium of $1,000). Cranes: acceptable when part of a broader equipment schedule; confirm no boom/overload exclusion applies for the account. Submissions should include a current equipment schedule, values, loss history, and any rental/leasing arrangements. Additional coverages (rigger’s, bailees, waterborne) are available by endorsement—request specifics on a per-submission basis. Territories and Availability This program is available in the following jurisdictions: AL, AK, AZ, AR, 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 Contractor's Equipment with Amwins Program Underwriters Managing General Agency capability with admitted paper—good for agents who prefer admitted markets for inland marine placements. Service-focused team led by an experienced underwriter (Heather Frain) familiar with contractor operations and equipment exposures. Flexible endorsements and ancillary coverages help you tailor policies to real-world contractor exposures (rental arrangements, transit, rigger’s liability, etc.). Faster processing and clearer premium handling because policies are on U.S. admitted paper. Agent Examples You might have a municipal water contractor with a mixed fleet (excavators, backhoes, and one crane) who needs scheduled equipment coverage plus continuing rental reimbursement while equipment is repaired — this program can package those coverages on admitted paper. A regional paving contractor that rents and leases equipment to subcontractors could benefit from leased-from/to coverages and low minimum premium entry point to keep the account cost-effective. To learn more about our Inland Marine program, please visit our website. Frequently Asked Questions What types of contractor accounts are the best fit for this program?Accounts with scheduled contractor's equipment—such as excavators, loaders, backhoes, and support equipment—are ideal, especially contractors who need admitted paper and optional coverages like rigger’s liability, waterborne transit, or rental cost reimbursement. Are cranes eligible on this program?Yes. Cranes are eligible when included as part of a broader equipment schedule with other types of contractor's equipment. Underwriters will review for any boom or overload concerns—single-crane-only submissions may require additional details. What submission materials should I include to get a prompt quote?Provide a current equipment schedule with values, make/model/year, the insured’s operations description, loss history for the past 3–5 years, and details about any leased or rented equipment. Note desired endorsements (rigger’s, waterborne, rental reimbursement) up front. Is this program available nationwide?The program is available in the list of states shown on this storefront. Coverage is on admitted paper in those jurisdictions—confirm state availability for the insured’s location prior to submission. What is the program’s minimum premium and service approach?The program offers a low minimum premium (example: $1,000) and emphasizes a service-above-all approach—focused underwriting, practical endorsements, and faster processing because policies are written on U.S. admitted paper. Need help placing an account? Connect with a market specialist.