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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.

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.

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.

Novatae Risk Group offers a comprehensive solution for agents and brokers seeking solid markets for small to mid-sized contractors. Through its Contractor General Liability & Property Insurance Package – AXV, Novatae provides access to a streamlined program designed to protect your contractor clients from a wide range of property and liability exposures—while helping them save time and money. This program, backed by an A.M. Best Rated AXV carrier, enables you to quote, bind, and issue new accounts in-house on the same day. That fast turnaround allows you to respond quickly to your clients’ needs, providing efficient service and improving retention. Ideal Contractor Classes This program targets a wide range of artisan and general contractors. Some of the top classes include: Appliance Installation Carpentry Concrete & Asphalt Developer - Builder Dirt Work Drywallers Electricians Excavation Contractors General Contractors HVAC Technicians Landscapers Metal Erectors Masonry Painters Paving Contractors Pipeline Contractors Plumbers Pool Contractors Road & Bridge Contractors Roofing Contractors Septic Tank Cleaners Sewer Contractors Sheet Metal Workers Sign Erectors Whether your client runs a small HVAC company or is a general contractor managing multiple subs, this program can address their liability and property needs in one simplified package. Coverage Highlights Same-day quote, bind, and issue capability General Liability Limits: $1,000,000 / $2,000,000 (ISO Form, standalone or package) Excess Liability available up to $5,000,000 In-house Property authority up to $1.5M per location Property values up to $25M considered with quick submission and approval turnaround Property coverage includes: Building, Business Personal Property, Contractors Equipment, Business Income, and Extra Expense. Available extensions: Outdoor Signs, Lock Replacement, Fire Extinguishing System Expense, Sewer Backup, Employee Dishonesty, Money & Securities, Food Spoilage, Forgery and Alteration. Program Features Carrier rated A-XV by A.M. Best Admitted and non-admitted options available $500 minimum premium $500 minimum deductible ISO-based General Liability coverage Submission Requirements ACORD 125 and 126 for General Liability Applicable ACORD forms for Property and Equipment Three years of loss runs Program-specific supplemental application Available States This program is available in most states, including AL, AK, AZ, CA, CO, CT, FL, GA, IL, KY, LA, MN, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, WV, and WI. Why Work with Novatae Risk Group? Novatae Risk Group is a trusted wholesale broker with access to top-rated carriers and underwriting expertise across a wide range of contractor classes. Their in-house authority and ability to issue same-day quotes and policies make them an excellent partner for agents looking to place contractor business quickly and efficiently. You might have a client who’s a residential remodeler or a commercial roofer needing fast coverage for a new project. Novatae can help you deliver the right protection with speed and confidence. Call 800-758-8113 to speak with an experienced broker today. Frequently Asked Questions What types of contractor businesses are eligible for this program?This program targets a wide range of contractors, including general contractors, electricians, plumbers, HVAC techs, landscapers, roofers, and more. What are the general liability limits offered?The program offers standard CGL limits of $1 million per occurrence and $2 million aggregate, with excess limits available up to $5 million. How quickly can policies be quoted and bound?Novatae has in-house authority to quote, bind, and issue policies on the same day for qualifying accounts. What property coverages are included?Property coverage can include buildings, business personal property, contractors equipment, business income, and extra expense, with optional extensions available. Is this program available in all states?No, but it is available in most states including CA, TX, FL, GA, IL, and others. Contact Novatae for state-specific eligibility. 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.

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.

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.

Contractors face a wide range of liability exposures that vary by trade, project stage, and scope of operations. Novatae Risk Group offers a flexible, affordable General Liability solution through the Contractor General Liability Insurance – Monoline AXV program. Designed for artisan and general contractors, this program helps protect your clients from third-party bodily injury, property damage, and other common contracting risks. Underwritten by an A.M. Best-rated AXV carrier, this monoline General Liability program is available for more than 200 contractor classes. Whether you’re placing business for a small drywall installer or a large excavation operation, Novatae provides underwriting expertise and fast turnaround to help you serve your clients efficiently. For more information or to discuss a specific account, contact our experienced brokers at 800-758-8113. Program Highlights: SAME DAY QUOTE, BIND AND ISSUE!! $1,000,000 / $2,000,000 CGL limits — ISO form (standalone) Excess liability available up to $5,000,000 Property values up to $25,000,000 considered — fast approval process for larger accounts Program Features: Admitted and non-admitted AXV-rated carrier options Minimum premium: $500 Minimum deductible: $500 ISO form General Liability coverage Target Contractor Classes (Not All-Inclusive): Appliance Installation Carpentry Concrete & Asphalt Developer - Builder Dirt Work Drywallers Electricians Excavation General Contractors HVAC Landscaper 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 General Liability Three years of loss runs required Program supplemental application Territories and Availability: This program is available in most states, including AL, AK, AZ, CA, CO, CT, FL, GA, IL, KY, LA, MN, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, WV, and WI. Admitted and non-admitted options are offered depending on state rules and the risk profile. Why Work With Novatae Risk Group? As a wholesale broker, Novatae Risk Group provides broad market access and deep experience with contractor exposures. Our underwriters focus on contractor classes and construction operations, enabling faster decisions and competitive terms. You’ll get practical underwriting feedback, responsive service, and same-day quote/bind capability on qualifying accounts. Example fits: you might have a local roofer needing a $1M/$2M CGL on an admitted basis, or a large excavation contractor requiring primary limits with excess capacity — both are typical submissions the program can consider. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for artisan and general contractors, including electricians, roofers, HVAC technicians, landscapers, and many other contractor classes — over 200 eligible classes in total. Is this program available in my state?It is available in most states listed above, with admitted or non-admitted options depending on the state. Contact Novatae to confirm availability for a specific risk. What submission documents are required?Submit Acord 125 and 126, three years of loss runs, and the program supplemental application for full consideration. Can I get a quote the same day?Yes — for qualifying submissions, Novatae offers same-day quote, bind, and issue capabilities. What is the minimum premium for this program?Minimum premium starts at $500; final premium depends on class, limits, exposures, and state regulations. Need help placing an account? Connect with a market specialist.

Workers Compensation Insurance is a required coverage in most states, providing benefits such as medical expenses and partial lost wages for employees who suffer work-related injuries or illnesses. However, placing coverage for certain businesses can be difficult due to high risk classifications, elevated experience mods, or prior coverage issues. Novatae Risk Group, through its partnership with Empire Underwriters and an “A”-rated carrier, offers a specialized Hard to Place Workers Compensation Insurance program designed for challenging accounts. Whether your client has a high MOD, operates in a tough industry class, or has coverage gaps, we can help you find solutions quickly and effectively. Ideal Accounts and Appetite: Accounts with MODs of 1.30 or higher High-hazard industries and tough-to-place classes Blue, gray, and white collar businesses Clients currently in state pools or residual markets Distressed, lapsed, or non-renewed accounts New ventures welcomed Multi-state exposures are a specialty You may have a client in roofing with lapsed coverage or a trucking company with prior losses—these are the types of risks we regularly underwrite. Coverage Highlights and Advantages: Fast turnaround on submissions Access to multiple “A” rated carriers Stand-alone Workers Comp policies Guaranteed cost, high deductible, and retro-rated options Consent to rate specialists Dividend plans available PEO and ASO contracts available Clients can retain control over payroll and check issuance Custom account handling for unique needs Underwriting Requirements and 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, and submissions are reviewed thoroughly to match your client with the right market. Territories and Availability: This program is available in most states, including but not limited to: CA, FL, TX, NY, IL, PA, and GA. We currently write in over 45 states, including DC. Sampling of Target 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 Organizations Nursing Homes Oil & Gas Paving Pipeline Retail Roofing Sawmills Services Sheet Metal Staffing Companies Tower Erection Trucking & Transportation Partner With Novatae Risk Group As a national Managing General Underwriter and E&S Broker, Novatae Risk Group offers extensive market access and underwriting expertise for difficult Workers Compensation placements. Our dedicated brokers understand the challenges of high-risk classes and distressed accounts, and we work closely with agents to deliver responsive service and creative solutions. Contact us at 800-758-8113 to discuss your Hard to Place Workers Compensation Insurance accounts today, or email us at [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for businesses with high MODs, prior losses, lapsed coverage, or operations in high-hazard industries like roofing, trucking, construction, and in-home care. Can new ventures apply for coverage under this program?Yes, new ventures are accepted and can be evaluated for coverage depending on the class of business and state regulations. What documentation is required for submission?We typically require a completed ACORD 130, 3–4 years of loss runs, details of any large losses, and a supplemental questionnaire. Is multi-state coverage available?Yes, we specialize in multi-state exposures and can provide tailored Workers Compensation solutions across state lines. What is the minimum premium for this program?The minimum premium starts at $10,000, but final pricing depends on the class of business, loss history, and underwriting considerations. 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.