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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.

For over three decades, CoverXSpecialty has been a trusted resource for construction insurance solutions. Our dedicated team of experienced underwriters specializes in placing construction-related risks across a broad spectrum of operations. Whether your client is a small sole proprietor, a subcontractor, or a large commercial general contractor, we provide tailored coverage options to fit a wide range of project scopes and business sizes. Ideal Accounts and Appetite CoverXSpecialty is equipped to handle a wide variety of construction classes. We have a strong appetite for both residential and commercial operations, including new construction, remodeling, and repair work. Eligible operations include: Trade contractors – including but not limited to roofing, framing, siding, drywall, electrical, plumbing/HVAC, concrete, carpentry, paving, and EIFS Commercial trade contractors – such as steel erectors, elevator contractors, painting, street and road work, build-out contractors, and more Service contractors – including elevator and boiler servicing Commercial general contractors – both practice and project-specific policies (up to 36-month terms) Coverage Highlights and Advantages We offer flexible, comprehensive coverage options to help protect your clients from the unique risks faced in the construction industry. Key features include: Primary limits of 1/2/2 and umbrella limits up to $10M Primary non-contributory wording available Blanket Additional Insured (AI) endorsement Blanket Waiver of Subrogation Per-project aggregate limits Flexible Self-Insured Retention (SIR) or deductible options No minimum premium requirements OCP (Owners and Contractors Protective) and Owner’s Interest policies Coverage available for EIFS (Exterior Insulation and Finish Systems) Extended completed operations for up to 10 years Underwriting Approach Our team takes a hands-on approach to underwriting, working closely with agents to place both standard and hard-to-place risks. We understand the nuances of the construction industry and aim to provide fast, responsive service with flexible coverage structures to meet your client's needs. Territories and Availability CoverXSpecialty's Construction Insurance program is available in most states across the U.S., including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Why Work With CoverXSpecialty? As a general agency with access to both admitted and non-admitted markets, CoverXSpecialty delivers experienced underwriting, personalized service, and deep knowledge of construction exposures. We work with retail agents and brokers nationwide to help them place accounts efficiently and confidently. Whether your client is a roofing contractor expanding into commercial work or a GC managing a large development, we’re here to help you find the right solution. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for trade contractors, commercial general contractors, and service contractors involved in residential or commercial construction, remodeling, or repair work. Does CoverXSpecialty offer project-specific policies?Yes, project-specific policies are available with terms up to 36 months and include extended completed operations coverage for up to 10 years. Are there minimum premium requirements?No, there are no minimum premium requirements, making this program accessible to both small and large contractors. Is coverage available nationwide?The program is available in most U.S. states, including both coastal and inland markets. Please refer to the state list for availability. Can I get coverage for EIFS-related exposures?Yes, coverage for EIFS (Exterior Insulation and Finish Systems) is available under this program. 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.

M.J. Hall & Company now offers Remodeling, Repair and Service Contractors Insurance designed for agents placing multi-trade remodeling, repair and service contractors on both residential and commercial projects. We provide coverage for contractors who perform renovations and improvements to existing buildings, including kitchen and bathroom remodels, energy-efficiency retrofits, tenant improvements and other work involving multiple trade classifications and incidental subletting. Our Remodeling, Repair and Service Contractors Insurance Coverage Includes: General Liability Coverage (Primary and/or Excess) Artisan contractors Commercial contractors > All types Residential contractors and developers Custom home builders Residential remodels Commercial tenant improvements and service contractors Roofing and paving contractors Swimming pool contractors Contractor pollution liability Environmental contractors and consultants Course of Construction (Builders Risk) All types of construction projects considered Optional coverages can include: soft costs, transit, earthquake, flood Can include “completed but unsold” coverage Reporting form available for qualifying accounts Specialty application required Overview of the Program From M.J. Hall & Company M.J. Hall & Company offers a focused market for agents who need flexible solutions for multi-trade remodelers, repair contractors and specialty service providers. As an Excess & Surplus Lines broker with access to various carriers, M.J. Hall places accounts that require tailored terms, broader trade classifications and supplemental coverages not always available in admitted markets. Ideal Accounts and Appetite This program is a good fit for: General contractors performing tenant improvements and interior renovations Residential remodelers and custom home builders with multiple trades on a single project Contractors who occasionally sublet portions of work to subcontractors Specialty contractors such as roofing, paving and swimming pool builders Environmental or remediation contractors needing contractor pollution liability Typically not a fit: new speculative land development (large tract development), heavy civil projects, or accounts with significant ongoing professional design liability unless specifically underwritten. Coverage Highlights and Advantages Primary and excess general liability solutions to match account limits Course of construction (builders risk) with optional extensions for soft costs, transit, quake and flood Contractor pollution liability available for projects with environmental exposures Reporting form options for variable project exposures Ability to package multiple lines for a single contractor account where permitted Underwriting Notes and Minimum Premiums Underwriting requires a specialty application for most accounts. Appetite and terms vary by carrier; M.J. Hall leverages multiple markets to place accounts with complex trade mixes or non-standard exposures. Minimum premium: Varies by carrier and state—submit detailed risk information for an accurate indication. Territories and Availability This program is offered through M.J. Hall as an Excess & Surplus Lines solution with some admitted options in select states. Availability includes: AK, AZ, CA, HI, NV. Carriers: various carriers (market access dependent on state and account characteristics). Why Work With M.J. Hall & Company on This Business Specialized E&S placement capability for contractors with mixed-trade exposures Access to multiple carriers to fit difficult or layered risks Experienced underwriting that understands contractor operations, subletting and course-of-construction exposures Practical solutions for accounts that need pollution liability, transit, or completed but unsold coverage Example scenarios: You might have a mid-size remodeling contractor who performs kitchen, roof and deck work and occasionally subcontracts plumbers — this program can combine general liability and contractor pollution liability where needed. Or an agent with a tenant-improvement contractor who needs builders risk with soft-costs coverage while a project is underway. Our agents would be happy to discuss Remodeling, Repair and Service Contractors Insurance with you — contact M.J. Hall today to submit risks or request a quote. Frequently Asked Questions What types of contractor accounts are a good fit for this program?Accounts that perform remodeling, tenant improvements, multi-trade renovations, roofing, paving, pool construction, and environmental contracting are typical fits—especially where incidental subletting or specialized pollutant exposures exist. Do you offer admitted as well as non-admitted placements?M.J. Hall operates primarily as an Excess & Surplus Lines broker but does have access to some admitted options in select states. Availability depends on the state and the carrier appetite for the specific risk. What underwriting information is required?Most accounts require a completed specialty application, current questionnaires, and loss history. For course of construction or pollution exposures, project schedules and description of operations are usually needed. Are course-of-construction and soft cost coverages available?Yes. The program can include course-of-construction (builders risk) with optional extensions such as soft costs, transit, earthquake and flood where the carrier and state allow. Need help placing an account? Connect with a market specialist.

Artisan Contractors Insurance INSURANCE MARKETS AGENCY INC offers a tailored Artisan Contractors Insurance program designed specifically for skilled-trade professionals. Whether your client is an experienced contractor or a recently licensed business, our program provides flexible, competitive solutions through trusted non-admitted markets. Coverages are structured to address the typical risks artisan contractors face, including tools and equipment, liability for operations and completed work, and exposures arising from subcontracted work. Ideal Accounts and Covered Classes We partner with agents who place artisan contractors in residential and light commercial trades. We have appetite for accounts with up to 100% subcontracted work and for contractors working on townhouse and residential condominium projects. Example classes include: Alarm system installation and repair Carpentry (commercial and residential, up to 3 stories) Concrete work and masonry Electrical work within buildings Excavation and grading Door, window, and metal millwork installation Driveway and sidewalk paving or repair Fence erection Handyman services HVAC installation and repair Painting (interior and exterior) Plumbing (commercial and residential) Roofing (commercial and residential) Siding installation (excluding wood siding) In-ground swimming pool installation and service Structural metal erection (three stories or more) Coverage Highlights General Liability and Excess Liability limits available up to $25,000,000 Minimum premiums starting at $525 Low deductibles for Bodily Injury/Property Damage, from $500 Inland Marine coverage for contractor tools, equipment, and similar assets Options for Additional Insured (Primary & Noncontributory) and Waiver of Subrogation Underwriting and Market Access We place artisan contractor accounts with a variety of carriers on a non-admitted basis to secure the right coverage for each risk. Our underwriting team knows construction-related operations and works with agents to place accounts that may be new ventures, have significant subcontractor usage, or are harder to place in standard markets. We focus on tailored solutions where other markets may decline. Example accounts you might place You might have a client who is a startup electrician working on residential condo renovations and needs general liability plus inland marine for portable tools. Or, an established roofer who subcontracts all work and requires higher excess limits and primary/noncontributory additional insured status for commercial townhouse projects. Both fit this program’s appetite. Availability This Artisan Contractors Insurance program is currently available in New Jersey and Pennsylvania. Because placements are non-admitted, coverage options and forms are tailored by market and underwriter. Why Work With INSURANCE MARKETS AGENCY INC? As a Managing General Agency and Excess & Surplus Lines Broker, INSURANCE MARKETS AGENCY INC specializes in construction-related risks. Our team provides fast, knowledgeable service, works directly with agents during underwriting, and leverages multiple non-admitted carriers to place difficult or specialized artisan risks. Whether your client is a first-year electrician or a roofer subcontracting 100% of their work, we aim to deliver competitive terms and responsive service. To learn more about our Artisan Contractors Insurance program or other products, please call 570-586-1471 and ask for Ryan, Bill, Peter, or Joe Tierney. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits artisan contractors in residential or light commercial trades, including electricians, plumbers, roofers, painters, and more. We also consider new ventures and contractors who subcontract up to 100% of their work. Which states is this program available in?Currently, the Artisan Contractors Insurance program is available in New Jersey and Pennsylvania. Can I submit accounts with townhouse or condo projects?Yes, we accept accounts working on townhouse and residential condominium projects. What is the minimum premium for this program?Minimum premiums start as low as $525, depending on the class and risk profile. Does the program include coverage for tools and equipment?Yes, Inland Marine coverage is available for contractor tools, construction equipment, and similar assets. Need help placing an account? Connect with a market specialist.

Artisan contractors face a unique set of liability exposures depending on their trade, project type, and stage of construction. Novatae Risk Group offers a flexible and comprehensive General Liability Insurance program tailored specifically for small to mid-sized artisan and specialty trade contractors. Whether your client is involved in new residential builds, commercial tenant improvements, or remodeling projects, we provide access to markets that understand their risk profile. Through our partner Empire, we offer General Liability coverage for over 200 contractor classes. This broad appetite allows you to place a wide range of accounts with confidence. Our solutions are designed to meet the real-world needs of independent contractors and help you deliver competitive, customizable coverage options to your clients. Call us at 800-758-8113 to speak with a broker who understands Artisan Contractors General Liability placements. Overview of the Program: This program is built for artisan and specialty trade contractors working on residential and commercial construction projects. It includes accounts involved in new construction, remodeling, tenant improvements, and new single-family home development. We work with both admitted and non-admitted carriers rated up to A-XV, and offer coverage in most states with a minimum premium starting at $1,500. Ideal Accounts and Market Focus: We focus on artisan contractors with less than $1 million in annual payroll. Eligible accounts include: New residential or commercial construction (up to 3 stories) Remodeling and repairs for residential or commercial structures Contractors with 75%+ of their operations in approved class codes Example accounts that fit well include a residential remodeler focused on kitchen and bath upgrades or a small HVAC installer expanding into light commercial work. Restricted/Ineligible Operations: New construction of condominiums, condo conversions, and townhouses (some exceptions apply) Projects involving structures over 3 stories (some exceptions apply) High-hazard exposures such as process piping, blasting, tunneling, or public utilities Coverage Highlights: Blanket Additional Insured endorsements Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate limits Limited coverage for Subsidence and Prior Projects Submission Requirements: Completed ACORD applications 3–5 years of currently valued loss runs Program-specific supplemental application Pollution supplement for applicable project types Sampling of Eligible Contractor Classes: General Contractor (New Residential) Remodel Contractor (Residential & Commercial) Air Conditioning System Installation Carpentry (Framing & Interior) Concrete (Flat) Electrical Drywall Fencing Garage Door Installation Excavation Handyman Services HVAC Janitorial Landscape Contractors Masonry Metal Erection (Decorative/Structural) Painting (Interior & Exterior) Plumbing (Residential & Commercial) Roofing (New & Repair) Septic Tank Services Siding and Decking Street/Road Paving Swimming Pool Installation & Cleaning Tile and Marble Installation Tree Trimming Welding Need a quote for Artisan Contractors General Liability Insurance? Email your submission to [email protected] or call 813-448-9300 to speak with an underwriter today. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized artisan contractors with under $1 million in annual payroll, including trades like HVAC, electrical, drywall, and residential remodelers. Are new residential construction projects eligible?Yes, new construction for single-family homes and low-rise commercial buildings (up to 3 stories) is eligible, provided the contractor falls within approved class codes. What are some common ineligible risks?We typically exclude new condominium construction, projects over 3 stories, and high-hazard operations like blasting, tunneling, and work on public utilities. What documentation is required for a submission?We require ACORD forms, 3–5 years of loss runs, a supplemental application, and a pollution supplement if applicable to the project type. In which states is this program available?The program is available in most states, including AL, CA, FL, TX, GA, NC, PA, and others. Contact us to confirm availability in your client’s location. 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.

Small contractors want to control costs while protecting their business and assets from accidents that could cause financial setbacks. Novatae Risk Group offers a tailored Contractor BOP / General Liability and Property Insurance package to help you place those accounts quickly and competitively. This program combines Businessowners (BOP), Commercial General Liability (CGL) and Property coverage into a simplified package. Novatae Risk Group has authority to quote, bind, and issue new accounts in-house, so you can move accounts from submission to policy faster and with reliable service. Please contact us at 800-758-8113 to speak with our experienced wholesale brokers about Contractor BOP/GL and Property Insurance Package accounts. Program Highlights: 4 Hour Indications/Quotes! Same Day Bind and Issuance of Policy! $1,000,000 / $2,000,000 CGL Limits Excess Liability up to $5,000,000 In-house authority on property up to $5,000,000 Total Value any one location Higher property values to $25,000,000 — submit for fast approval Broad class code acceptance *Property coverage can include Building, Business Personal Property, Contractors Equipment, Business Income and Extra Expense. Program Features: A.M. Best rated carriers (admitted and non-admitted), capacity includes carriers rated as high as A/XV $500 minimum premium $500 minimum deductible ISO form GL Coverages Available: Property and Inland Marine Coverage: Basic and Broad form available; up to $5,000,000 per location for buildings, contents, and business income $250,000 sub-limit on contractor’s equipment and tools (owned, leased, or rented to others) Extensions of coverage: $25,000 blanket limit for fire extinguishing system expense Lock replacement; outdoor signs; outdoor trees, shrubs, plants and lawns; tenant move-back expense $10,000 sub-limit for sewer and drain backup; employee dishonesty; forgery or alteration $5,000 sub-limit for money and securities; spoilage due to refrigeration loss Target Contractor Classes: (Not a Complete List) Appliance installation Carpentry Concrete & asphalt Developer / builder Dirt work Drywall Electricians Excavation General contractors HVAC Landscaping Metal erectors Masonry Painters Paving Pipeline Plumbers Pool contractors Road & bridge contractors Roofing contractors Septic tank cleaners Sewer contractors Sheet metal Sign erectors Submission Requirements: Acord 125 and 126 for GL Acords for Property / Equipment when applicable Completed supplemental application Underwriting Notes and Appetite This program is designed for small to mid-sized contractors seeking combined GL and property solutions with quick turn times. Fits: risks with standard to moderately complex exposures, owned or leased equipment, and property values up to the stated limits. Broad class acceptance makes this a good fit for general contractors and specialty trades listed above. Typically not a fit: high-hazard mono-lines (heavy pollution exposures), monoline professional liability for design-build errors, or accounts with significant prior losses without underwriting justification. Large wrap-up projects should be submitted for review. Territories and Availability Most states available. This program places coverage on both admitted and non-admitted paper with carriers rated as high as A/XV. Primary availability includes: AL, AK, AZ, CA, CO, CT, FL, GA, IL, KY, LA, MN, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, WV, WI. Check with Novatae Risk Group for any state-specific filing or capacity changes. Why Work With Novatae Risk Group on This Program In-house quoting, binding and issuance speeds placements and reduces back-and-forth for time-sensitive accounts. Wholesale broker expertise and direct access to admitted and non-admitted carriers gives flexibility to match pricing and forms to client needs. Competitive limits and excess liability capacity help you secure layered solutions for growing contractor clients. Low minimum premium and standardized forms make smaller accounts economical to place. Example Accounts You have a general contractor with $1.2M building values at a single location, owned equipment, and modest payroll — this program can combine GL and property coverage with same-day issuance. You have a pool contractor with several subcontracted jobs, tools and equipment, and a need for inland marine — the program’s contractor equipment limits and inland marine options can be packaged into a single policy. Frequently Asked Questions What types of contractor accounts are a good fit for this program?This program fits small to mid-sized contractors and specialty trades (carpentry, HVAC, plumbing, masonry, roofing, etc.) that need combined GL and property coverage, including equipment and business income protection. How quickly can I get an indication, bind, and policy issued?Novatae Risk Group offers fast service — indications/quotes within hours and same-day bind/issuance when underwriting conditions are met, subject to receipt of required documentation. Are both admitted and non-admitted options available?Yes. The program places coverage on admitted and non-admitted paper with carriers rated as high as A/XV to provide capacity and flexibility for different client needs. What are the minimum premium and deductible?The program has a $500 minimum premium and typically a $500 minimum deductible; specific pricing and deductibles depend on class, limits, and loss history. What do I need to submit to get a quick decision?Provide Acord 125/126 for GL, property Acords when applicable, and the completed supplemental application. Clear descriptions of operations, values, and recent loss history will speed underwriting. Need help placing an account? Connect with a market specialist.

A growing and highly competitive sector, the construction industry continues to see increasing demand for skilled contractors and tradespeople. Whether your clients are in roofing, drywall, electrical, carpentry, or another trade, their commercial vehicles are essential to daily operations. From job site transport to supply pickups and deliveries, these vehicles face constant exposure to risk. That’s why having the right Commercial Auto insurance coverage is not just important—it’s essential. Chenango Brokers, LLC offers a robust Commercial Auto insurance program tailored to the unique needs of contractors and similar industries. As a wholesale broker with deep industry knowledge, we understand the daily risks your clients face and the importance of reliable, flexible coverage. Our program is designed to support contractors, tradespeople, and other commercial operations that rely on transportation for their business success. Target Accounts and Ideal Classes We specialize in placing coverage for a wide range of business types within the construction and service sectors. Our appetite includes, but is not limited to: • Blacktop Paving • Carpentry • Carpeting • Concrete • Contract Carriers • Distributors • Drywall • Electrical • Framing • General Contractors • Household Movers – Up to 300 mile radius • HVAC • Janitorial/Cleaning • Landscaping • Masonry • Paper Contractors • Plumbing • Sidewalk Installation • Tile/Terrazzo • Wholesalers • Trucks up to 45,000 lbs *Higher weights available—contact us to discuss your needs If you’re working with a contractor who owns a small fleet of trucks or a distributor servicing a regional territory, our program can help you secure the appropriate coverage to meet their needs. Coverage Highlights and Additional Options Our Commercial Auto coverage is structured to protect your clients against the real-world exposures they face on the road every day. In addition to core auto coverage, we offer optional lines to help round out protection for your insureds: • Bonds • General Liability • Umbrella* • Workers Compensation *Please contact our office to confirm state availability for these coverages. Underwriting Process and Contracting We’ve streamlined our sign-up process for brokers, allowing us to approve most applications the same day we receive a completed form. While we can provide quotes before a broker is fully contracted, a signed agreement is required before binding coverage. For fast turnaround, our dedicated Commercial Auto underwriter, Dawn, can provide a quote in under 37 minutes. She’ll work with you to understand your client’s operations and tailor coverage recommendations accordingly. Availability and Market Access Chenango Brokers offers access to multiple carriers, giving us the flexibility to find competitive solutions across various risk profiles. Our Commercial Auto program is available in the following states: AZ, CT, FL, IL, MD, NV, NJ, NY, OH, PA, RI, VA, WA Some coverages are written on an admitted basis depending on the state. Please contact us to confirm availability and applicable markets in your client’s location. Why Partner With Chenango Brokers As a trusted wholesale broker, Chenango Brokers brings deep expertise in the construction and contractor space. Our team understands the complexity of these risks and works closely with agents to deliver tailored solutions that keep your clients protected and their businesses moving forward. Whether you're placing a new contractor's first commercial truck or a seasoned construction firm’s fleet, we’re here to support your success with fast quotes, responsive underwriting, and a broad market reach. Frequently Asked Questions What types of accounts are a good fit for this Commercial Auto program?Ideal accounts include contractors, distributors, and service providers in construction-related trades such as plumbing, HVAC, electrical, drywall, and more. We also write accounts with trucks up to 45,000 lbs and movers within a 300-mile radius. Can I get a quote before becoming appointed with Chenango Brokers?Yes, we can generate quotes before you're fully contracted. However, we cannot bind coverage until the contract is signed and returned. What states is this program available in?This Commercial Auto program is offered in AZ, CT, FL, IL, MD, NV, NJ, NY, OH, PA, RI, VA, and WA. Availability of additional coverages may vary by state. Are additional lines of coverage available?Yes, we offer Bonds, General Liability, Workers Compensation, and Umbrella coverage. Please contact us to confirm availability in your state. How quickly can I expect a quote?In most cases, we can provide a Commercial Auto quote in under 37 minutes once we have the necessary information about your client’s operations. Need help placing an account? Connect with a market specialist.