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Occurrence Form Pollution Liability for Scheduled Vehicles National Environmental Coverage Corporation (NECC) offers a focused Monoline Motor Pollution Liability program to help agents place standalone pollution coverage for vehicles that transport environmentally sensitive or hazardous materials. This non-admitted program provides motor vehicle pollution liability only — it does not include MCS-90, auto liability, or physical damage. Ideal Accounts and Appetite This program is designed for commercial clients that transport, collect, or handle materials with pollution risk during transit. NECC underwrites a broad range of vehicle operations, from contractors hauling construction debris to specialty haulers handling medical or industrial waste. Examples of eligible classes include: Asbestos and lead haulers Construction debris transporters Environmental and general contractors Dirty dirt haulers General commodities (solids) Medical / infectious waste haulers Recyclers Sludge haulers Trash haulers Used oil pickup operators Vacuum truck operators And many other pollution-prone vehicle operations If you place accounts in waste management, environmental remediation, or industries that move potentially polluting materials, this program provides a streamlined, targeted solution when traditional auto markets decline or cannot offer standalone pollution limits. Coverage Highlights and Advantages Occurrence Form — coverage for pollution incidents that occur during the policy period, regardless of when they are reported. Pollution Liability Only — written as a monoline motor pollution policy for scheduled vehicles; does not include auto liability, MCS-90, or physical damage. Customizable Limits — base limits begin at $1,000,000 per occurrence / $1,000,000 aggregate; higher limits up to $5,000,000 are available subject to underwriting. Wide Class Eligibility — covers many vehicle types and materials, from construction debris and dirty dirt to used oil and medical/infectious waste. Underwriting Notes and Minimums Minimum Deductible: Typically starts at $2,500. Minimum Premium: Typically starts at $2,500. Prior acts (retroactive) coverage may be offered with proof of continuous comparable claims-made coverage; availability is subject to underwriting review and may be limited for some classes. Mold extensions are not universally available. Final availability and terms depend on the specific risk profile, vehicle schedule, cargo, and operating territory. Territories and Availability This non-admitted program is available in 48 states. States currently eligible include: 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 may vary by state and by specific exposures. Why Work With National Environmental Coverage Corporation? NECC focuses on environmental and pollution-related products for niche risks that mainstream auto markets often decline. Their underwriting is experienced in motor pollution exposures and structured to deliver practical, standalone pollution solutions for scheduled vehicles. Working with NECC gives you: Access to a pollution-only motor program tailored to haulers and specialty carriers. Flexible limits and endorsement options where available (including limited retroactive coverage when justified). Responsive underwriting that understands the operational details and regulatory sensitivities of waste and remediation transport. Example Accounts You might have a regional recycler that picks up used oil and small quantities of contaminated solids and needs pollution limits separate from their auto policy; NECC can underwrite scheduled vehicles for that exposure. Or a contractor hauling contaminated soil from remediation sites who requires occurrence-form pollution coverage for each scheduled vehicle — this program is structured for that type of account. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include contractors, waste haulers, recyclers, and transporters of materials such as dirty dirt, used oil, medical waste, or construction debris — essentially any scheduled vehicle operation with a pollution exposure in transit. Does this program include auto liability or physical damage?No. NECC's Monoline Motor Pollution Liability program is strictly for motor vehicle pollution liability and does not provide MCS-90, auto liability, or physical damage coverages. What are the minimum premium and deductible requirements?Minimum premium and deductibles typically start at $2,500, but final amounts depend on the risk profile, number of scheduled vehicles, cargo, and operating territory. Is retroactive coverage available?Retroactive coverage may be available with proof of comparable continuous claims-made coverage and is subject to underwriting approval; some risks may receive limited or no retroactive coverage. Which states is this program available in?The program is offered in 48 states (see Territories and Availability above). Specific availability and terms may vary by state and by the details of the exposure. Need help placing an account? Connect with a market specialist.

Are you looking for an effective way to vastly improve the sales success for your CSRs & Producers in your Agency? This P/L Bundle Sales Self-Training using The Links in the Sales Chain™ is an impressive Package that will help you achieve just that. With this bundle, you will have access to both the P/L CSR Sales Training & the P/L Producer Sales Training. These 2 interactive courses will take your Commercial Lines salespeople through 13 separate essential Links during the training process. This is a proven method, working for P/L staff & producers in agencies already. What sets this method apart from others can be summed up with 3 things: 1. It’s interactive – a salesperson can go at his or her pace, back up, review many times, etc. 2. It doesn’t just teach Sales Skills – tools, scripts, suggestions are also included (upwards of 50 documents) 3. Success Rates are typically Doubled – Salespeople at all levels find this relationship-based sales approach simple, complete, and practical allowing better focus…and much better results. The annual subscription allows for an unlimited number of times the course can be taken, so there is tremendous value with your investment in this product. For the P/L Producer, the training starts with a module outlining the Producer Role and ends with Alternate Means of Prospecting. The components in between feature modules for: How to use relationships to obtain new prospects Knowing all the benefits your carriers offer & how to use them Bringing more passion to the process Understanding the best ways for obtaining referrals How to pick your targets & qualify your prospects more effectively How to establish credibility How to use something other than “price” to make the sale How to use your time more effectively and lots more. For the P/L CSR, the training, starts with a module for creating sales time and ends with how to be an advisor after the sale. The components in between feature modules for: How to use relationships to obtain new prospects How to obtain referrals Making the right 1st contact with a prospect Qualifying properly How to establish credibility How to prevent price from being the “only” thing, and lots more. Included in each of the 2 courses are over 50 documents & spreadsheets that will help sustain the new (or improve the experienced) salesperson with the tools, scripts and samples they will need to be successful. A few key documents, included in this Sales Training Course that we would highlight are: Worksheets for Identifying who the Salesperson already knows Qualifying Questions to Evaluate a Prospect What an “A” Proposal should look like – what are the components? Sample Carrier Benefits Comparison Spreadsheets – for Auto, Home & High-Value Homes Sample Tool Defining who the Client should contact in the Agency to Obtain the Best Service Several Value Charts for Proposal Displays Several Suggested Scripts to insure Success when making Referral Requests Scripts & Methods for Orchestrating the Process for Quick Turnaround Script for Doing the Small Talking that leads to a Referral 12 Essential Time Management Keys & Tips that have helped Other CSRs Save up to 2 Hours/Day The Top 8 Ways to Obtain an "A-Type” Prospect Cheat Sheet for Obtaining 3rd Party Buy-In & Introductions Suggested Sample Weekly Producer, or CSR, Schedule & Template for Establishing a new one. Sample Success Stories to Guide you in Developing some of your Own for Proposals Recording Tools & Methods to Use so you have Consistent Prospect Generation A “Weighing” Close Method to Help Finalize the Sale Sample Auto & Home Update Questionnaires(“Family Insurance Updates”) to Consider using as Value-Addeds A Sample Convert Sheet – Used to Persuade Direct Writer Insureds to Change Various Value-Added Displays so both the Prospect & the Salesperson know what is “extra.” $395.00 Add to Cart

Overview — Scrap Metal Transport Insurance from Colonial General Insurance Agency, Inc. Colonial General Insurance Agency, Inc. offers a targeted program for agents who place scrap metal transportation accounts. This program is designed for businesses that haul non-hazardous scrap and recyclable metal material, from single-truck owner-operators to small fleet operators. Coverage is available through admitted carriers in some markets and via excess & surplus lines placement where needed. Ideal Accounts and Appetite This program fits accounts that: Transport ferrous and non-ferrous scrap (scrap metal, scrap steel, aluminum, copper, etc.) that is not classified as hazardous waste. Operate for-hire or private/non-for-hire hauling operations. Run local or regional routes—typical radius options extend up to 500 miles. Have clean to moderate loss histories and reasonably maintained vehicles. Generally not a fit: operators hauling hazardous waste, commodities requiring special endorsements, or accounts with chronic, severe loss frequency unless prior mitigation is documented. Specific underwriting decisions vary by carrier. Coverage Highlights and Advantages Package policies available with cargo coverage—cargo limits up to $100,000. Liability coverage available up to $1,000,000 CSL. Physical damage coverage offered with deductible options from $500 to $5,000. State and regulatory filings handled as part of placement where required. Radius options configurable up to 500 miles to match account operations. Admitted capacity in some states; E&S solutions available where necessary. Underwriting Notes When submitting, underwriters typically want: Vehicle schedule (year, make, model, VIN) and vehicle values for physical damage consideration. Schedule of operations: types of scrap hauled, typical routes, radius, and whether hauling is for-hire or private. Loss runs (preferably 3 years) and MVRs for drivers. Details on loading/unloading procedures and any risk controls in place (securement, tarping, GPS, driver training). Minimum premium requirements and final terms depend on territory, fleet size, and carrier selection. Colonial General works with a variety of markets to match pricing and coverage to the account profile. Territories and Availability Program availability: AZ, CA, CO, ID, NV, NM, UT, WY. Some admitted markets are available; where admitted capacity is not offered, placements will be handled as excess & surplus lines. Carriers vary by state and underwriting appetite. Why Work With Colonial General Insurance Agency, Inc.? Specialized focus on scrap metal transport exposures — underwriting and placement tailored to this niche. Flexible solutions including admitted and E&S options to increase bindability across the Western states listed above. Ability to provide cargo and physical damage limits and deductible choices that suit small fleets and owner-operators. Responsive underwriting and state filing support to help close accounts that require regulatory compliance. Example accounts that are a good fit - A two-truck, for-hire hauler that moves mixed scrap metal regionally within a 300-mile radius, seeking cargo limits and $1,000,000 liability. - A single-owner operator who picks up non-ferrous scrap for local recyclers and needs physical damage coverage with a $1,000 deductible and regulated filings handled. Frequently Asked Questions What types of accounts are a good fit for Colonial General’s Scrap Metal Transport program?Accounts that haul non-hazardous scrap and recyclable metals—owner-operators to small fleets—operation within a regional radius (up to 500 miles) with reasonable loss histories are ideal. Is cargo coverage included and what limits are available?Yes. Package policies can include cargo coverage with limits available up to $100,000. Specific limit availability depends on the carrier and account details. Are admitted policies available or is this program E&S only?Some admitted markets are available in select states. Where admitted capacity is not offered, Colonial General places coverage through excess & surplus lines markets. Availability varies by state and carrier. What deductible options exist for physical damage?Physical damage deductible options generally range from $500 to $5,000. Final deductible choices depend on vehicle values, account risk characteristics, and carrier guidelines. What documents should I include with a submission?Include a vehicle schedule, description of operations (commodities hauled and radius), recent loss runs, and driver MVRs. Additional information on loading/unloading procedures and risk controls will help underwriting. Need help placing an account? Connect with a market specialist.

The National Association of Insurance and Financial Advisors (NAIFA) is the largest professional association dedicated to the protection and advancement of insurance and financial advisors nationwide. The NAIFA Endorsed E&O Program with CalSurance Associates and Aspen Insurance Company delivers high quality Errors & Omissions Insurance Coverage along with the added benefits that come with NAIFA membership. In addition to comprehensive E&O Coverage, the NAIFA Endorsed E&O Program provides members with newsletters, monthly risk management tips & training, and value added coverage extensions. All benefits are offered in one program with competitive pricing, coverage, and service. NAIFA Endorsed E&O Program Coverage Highlights: • Competitive Pricing • Top Rated Carrier • Multiple Limit and Deductible Options • Prior Acts Coverage • Professional Services (Basic Coverage includes Life, Accident & Health, Disability, Long Term Care and fixed & variable annuities) • Optional Coverages for Mutual Funds, Financial Products, P&C • Extended Reporting Period/Tail Coverage • Risk Management Tips • Newsletter Education • Quick online application option • Proof of Insurance Reprint Link • Knowledgeable Customer Care team • Complimentary Coverage Additions Added Value Coverage Extensions: • Reimbursement of Expenses Coverage • Disciplinary Proceedings Coverage • Spousal Coverage • Pre-Claims Assistance Coverage • Subpoena Compliance Coverage • Mediation/Deductible Credit Coverage • Public Relations Extension • Privacy Breach Coverage NAIFA Membership Benefits: • NAIFA’s Advisor Today bi-monthly magazine, website and podcasts – features ideas and insights from industry experts on a wide range of topics including product knowledge, sales, marketing, prospecting, and practice management. • NAIFA SmartBrief – a daily e-mail newsletter providing insurance and financial advising professionals a quick, two-minute read that will help keep you up-to-date with the latest news and trends in the industry. News stories are meticulously picked for content and delivered straight to your inbox. • NAIFA Virtual Library – a repository of online sales tools and resources including fact finders, concept pages, specimen documents and client presentations. • NAIFA ClientCast® by RealWealth® – free monthly professionally produced podcasts that agents can use to educate, motivate and inspire clients and prospects. Also includes free monthly training webinars for agents and advisors on sales ideas and best practices to help you grow your business. • NAIFA Webinar Series – monthly events feature timely information and training on topics of interest including government relations, practice management, sales, prospecting, and marketing. • NAIFA Online Seminar Series – 24/7 access to online training on such topics as succession planning, hiring an assistant, and thriving in the first three years in the business. Also includes downloadable materials to supplement the web content. • NAIFA Insurance and Financial Services Professional Resource Guide – connecting NAIFA member’s to the products and services they use daily. • The Value Pitch Process ™ – A four-step process for re-designing your elevator pitch. Start enjoying the protection of E&O insurance and the advantages of NAIFA membership today! Apply for NAIFA membership and NAIFA Endorsed E&O at: http://naifa.org/join/ Already a NAIFA member? Apply for NAIFA Endorsed E&O at: http://www.naifaeo.com/onlineprequal.aspx

Trash and Refuse Haulers Liability Insurance More Than 30 Years Insuring Truckers Don’t Let Your Garbage Business Go To Waste! “AIM” is here to pick it up! Program Overview from Agents Insurance Markets, Inc. Agents Insurance Markets, Inc. (AIM) offers a focused Trash and Refuse Haulers Liability Insurance program for residential and commercial waste collection operations. Backed by an A+ rated admitted carrier—Carolina Casualty Insurance Company—this program is designed for agents who need admitted paper and reliable underwriting for a variety of hauling operations. With more than 30 years insuring truckers, AIM understands the exposures unique to refuse hauling and provides quick, practical placement solutions. Ideal Accounts and Appetite This program fits a wide range of trash and refuse haulers. Typical accounts include: Residential and commercial garbage collection operators Haulers using roll-off containers and dumpsters Tractor/trailer operations hauling baled trash AIM will consider single-unit businesses and multi-unit fleets. New ventures are acceptable when the owner or principal has relevant industry experience. The program favors accounts with documented operating procedures and experienced drivers. Coverage Highlights and Advantages Liability Coverage: Up to $1,000,000 combined single limit (CSL) Auto Physical Damage: Available for eligible units Excess Liability: Available when higher limits are required Coverage is issued on an admitted basis through Carolina Casualty Insurance Company, offering the regulatory protections and local compliance agents often prefer. Underwriting Notes New ventures accepted with relevant industry experience Acord applications are accepted for quoting Phone quotes available for accounts with four or fewer units For five or more units, submit a complete package including current MVRs for underwriting review Territories and Availability This admitted program is available in: GA, IN, KY, MD, NC, OH, SC, TN, VA, and DC. Availability is subject to change by state and the carrier’s underwriting guidelines. Why Work With AIM? Agents Insurance Markets, Inc. is a managing general agency with deep trucking expertise and a hands-on underwriting approach. AIM provides: Access to an A+ rated admitted carrier for admitted placements Fast phone quotes for smaller accounts and responsive underwriting for larger submissions Flexible appetite that accepts single units, fleets, and qualified new ventures Whether you represent a one-truck startup hauling neighborhood garbage or a regional fleet running roll-offs and baled-trash routes, AIM can help you place the account with admitted paper and practical coverage options. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for residential and commercial garbage collectors using roll-off containers, dumpsters, or hauling baled trash with tractors or trailers. Can I submit a new venture for coverage?Yes. New ventures are acceptable if the owner or operator has relevant industry experience and the submission demonstrates adequate operational practices. What is the quoting process for small accounts?Phone quotes are available for accounts with four or fewer units. For five or more units, submit a complete package that includes current MVRs and vehicle details for underwriting. Is this program admitted or non-admitted?This program is written on an admitted basis in all available states through Carolina Casualty Insurance Company. Which states is this program available in?This program is currently available in GA, IN, KY, MD, NC, OH, SC, TN, VA, and DC. Need help placing an account? Connect with a market specialist.

Are you looking for an effective way to vastly improve the sales success of the P&C Producers in your Agency? This P/L & C/L Producer Bundle Sales Self-Training using The Links in the Sales Chain™ is an impressive Package that will help you achieve just that. With this bundle of the P/L CSR Sales Training & the C/L Training, these 2 interactive courses will take your Producers through either 13 separate essential Links (or 14 Links if C/L) during the training process. This is a proven method, working for Producers in agencies already. What sets this method apart from others can be summed up with 3 things: It’s interactive – a Producer can go at his or her pace, back up, review many times, etc. It doesn’t just teach Sales Skills – tools, scripts, suggestions are also included (upwards of 50 documents) Success Rates are typically Doubled – Producers following this relationship-based sales approach find it simple, complete, and practical allowing better focus…and much better results. With the annual subscription, there is no limit to the number of times the course can be taken, or the number of Producers who can take it, so there is tremendous value with your investment in this product. The training starts with a module outlining the Producer Role and ends with how to be an Advisor after the Sale. The components in between feature modules for: How to use relationships to obtain new prospects How to Target Market to increase your chances & get the Underwriter on your side How to pick your targets & qualify your prospects more effectively Bringing more passion to the process Understanding the best ways for obtaining referrals How to use better ways to get an introduction How to hold a more effective Qualifying First Visit with a new prospect Using Disturbing Questions to establish credibility & separate yourself from the competition Using something other than “price” to make the sale How to use your time more effectively and lots more. Included in the course are roughly 50 documents & spreadsheets that will help sustain the new (or improve the experienced) salesperson with the tools, scripts and samples they will need to be successful. A few key documents, included in this Sales Training Course that we would highlight are: Qualifying Questions to Evaluate a Prospect What an “A” Proposal should look like – what are the components? Identification of what the Producer Role should be – how much time for service/how much for prospecting Sample Tool Defining who the Client should contact in the Agency to Obtain the Best Service – for better Producer delegation Sample Carrier Benefits Comparison Spreadsheets – for Auto, Home & High-Value Homes (P/L Only) Sample Page outlining Target Classes & Criteria for each C/L class Several Value Charts for Proposal Displays – different ones for P/L & C/L Several Suggested Scripts to insure Success when making Referral Requests Top 8 Ways to Obtain an “A” Referral Sample Benefits of Doing Business with the Agency for multiple uses Suggested Sample Weekly Producer Schedule & Template for Producer Use Sample Success Stories to Guide you in Developing some of your Own for Proposals & other uses Sample Case Study Client Pulse Check Meeting Outline – for C/L Sample Disturbing Questions to use to Create Prospect Needs Other Needs Creation Tools Recording Tools & Methods to Use so you have Consistent Prospect Generation A “Weighing” Close Method to Help Finalize the Sale Various Value-Added Displays so both the Prospect & the Producer know what is “extra.” $395.00 Add to Cart