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Subcontractor Bid and Performance Bonds Overview — J.M. Wilson Corp. Subcontractor Bid & Performance Bonds J.M. Wilson Corp. offers subcontractor bid, payment and performance bond placement for independent agents and b...ience and the carrier's appetite. Bid bonds are commonly 5–10% of the bid and payment/performance bonds are often written at 100% of the c...

BERT Emergency Response Training: BERT International is a non profit organization that prepares business managers and executives to take care of themselves and their families during large scale emergencies until first responders arrive. The company offers online and in person training for anyone who wants to be more prepared during active shooter events, natural disasters and other emergencies that affect the workplace. Mission/Purpose: BERT Emergency Response Training's mission is to develop the expertise, relationships and tools to help you prepare for, respond to and recover from large scale emergencies.… alleviating fear since 2008 Key Facts: • BERT stands for Business Emergency Response Training. • During its training, BERT reminds civilians to: Be Calm, Evaluate and Plan, Review for safety concerns and Take Action • BERT works with business leaders and first responders to form a team approach to successfully managing an unexpected disaster or event. BERT Emergency Response Training Participant Testimonial : ...the other day I watched a wreck on I-10 where a car hit a truck and sent it out of control to where it flipped into the other lane. Your course kicked in.... Me and my guy jumped out of our truck I told him to call 911 and get that handled and I ran to the old man in the truck. A lady stopped and asked what she could do... I sent her to my truck and gave her my employee's name to ask for my first aid box. The others came up and asked, I had them directing traffic until authorities came up and I was putting bandages on the 92 year old head to stop the bleeding. Then another man came up with a medical kit and I asked if he had any training and he had first responders cert so I then stepped back and took direction from him until the medical staff got there to take him to the hospital. The old man never passed out and never complained. The rail of the truck or the strut that holds the roof bent down and scalped the old man when the truck flipped. After it was over, I thought of your (BERT) training and the fact that it all fell into place. To get training and more information about the BERT Foundation and its activities, please contact: Scott Robertson, APR Robertson Communications Corp. 949-212-7096 [email protected] http://www.bertinc.org/

...accounts such as: Electrical, plumbing, and HVAC contractors Carpenters, ...

... stores Photographers Pet stores Plumbing contractors Restaurants Video stores...

...ptional add-ons include contractor bonds, supplemental auto liability, and con... liability, equipment, and contractor bonds to reduce coverage gaps. ...

Electrical Contractors Insurance Program from Legends Environmental Services Legends Environmental Services offers a tailored Electrical Contractors Insurance program designed for the specific exposures faced by electrical, lighting and HVAC trades. Whether your client runs a single-tech electrical repair shop or a multi-crew contractor performing installations, this program provides flexible, customizable solutions placed through AM Best–rated carriers. Ideal Accounts and Appetite This program is a fit for a broad range of electrical-related operations, including: Licensed electrical contractors (residential and light commercial) Electric repair technicians and service electricians HVAC and air-conditioning contractors that perform electrical work Lighting technicians, designers and consultants Heating contractors and construction firms with in-house electrical teams Legends looks to place qualified small to mid-sized businesses that perform installation, repair, maintenance or consulting related to electrical systems. Accounts should meet standard underwriting criteria, carry appropriate licensing, and generally start at a minimum premium of $4,500. Coverage Highlights and Advantages The program offers core protections commonly required by contractors, with options to tailor limits and endorsements to client needs: General Liability (GL): Third-party bodily injury and property damage, products/completed operations and defense costs — available standalone or within a BOP. Business Owners Policy (BOP): Bundled GL and commercial property coverages, with options for business interruption for eligible risks. Workers’ Compensation: Coverage for employee injuries and related statutory exposures. Commercial Auto: Liability and physical damage for vehicles used to transport crews, tools and equipment. Additional customization can address equipment breakdown, inland marine for tools and contractor’s equipment, loss of business income, and limits or endorsements that mitigate exposure from alleged faulty installations or on-site accidents. Underwriting Notes and Minimum Premiums Underwriting emphasizes well-managed operations with documented safety programs, licensed staff, and clear scopes of work. The program generally targets accounts with clean loss histories and reasonable exposure control. The minimum premium for placement begins at $4,500; final pricing depends on territory, operations, payroll, and loss history. Territories and Availability This program is available in most U.S. states, including but not limited to CA, TX, FL, NY, IL, PA, and WA. Availability may vary by coverage line and state regulation. Coverages are written through admitted markets in most available territories. Why Work With Legends Environmental Services? As both a general agency and carrier, Legends provides agents with direct underwriting expertise and market access to AM Best–rated carriers. Their industry focus on electrical, HVAC and lighting trades helps agents place accounts more efficiently, with package options and flexible endorsements that match real contractor exposures. Practical placement examples: You might have a client who is a licensed residential electrician performing panel upgrades and small remodel work — this program can provide GL and tools coverage within a BOP structure. Or you may represent a regional lighting consultant who installs commercial lighting retrofits — available options include completed operations coverage and commercial auto for transporting equipment. If you need help determining fit or obtaining a quote, connect with a market specialist to review underwriting guidelines and submission requirements. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include licensed electrical contractors, HVAC technicians who perform electrical work, lighting consultants, electric repair shops, and small construction firms with in-house electrical teams. What is the minimum premium for this program?The program typically starts at a minimum premium of $4,500, though the final premium depends on the operation’s size, payroll, and loss history. Is the program available in all states?The program is offered in most U.S. states. Specific availability can vary by coverage line and state regulations, so check with a market specialist for your state. Can I access this program without bundling a full Business Owners Policy?Yes. In many cases general liability can be placed standalone depending on eligibility and underwriting requirements; however, BOP packaging is available for eligible accounts. What carriers are used in this program?All coverages are placed through AM Best–rated carriers to ensure financial strength and reliable claim handling. Need help placing an account? Connect with a market specialist.

...asonry • Paper Contractors • Plumbing • Sidewalk Installation • Tile/T...s of coverage available?Yes, we offer Bonds, General Liability, Workers Compen...

...asonry • Paper Contractors • Plumbing • Sidewalk Installation • Tile/T...s of coverage available?Yes, we offer Bonds, General Liability, Workers Compen...

Overview — Continental Risk: Air Conditioning Systems Program Continental Risk / Continental Marine Insurance Services offers a specialized Excess & Surplus Lines program for contractors and businesses that install, service or maintain air conditioning systems. This program is placed with an A-rated carrier and is designed for agents who need an E&S option for accounts that require broader terms than standard admitted markets can provide. Ideal Accounts and Appetite HVAC contractors performing installation, replacement, service and repair work. Commercial and light-commercial accounts, including retail, small offices, property management vendors, and multi-family maintenance contractors. New residential construction and tract work are acceptable (subject to underwriting and higher minimums). Accounts needing combined General Liability with tailored protection for auto and pollution exposures. Coverage Highlights and Advantages Blanket Additional Insured (Blanket AI) is included to simplify certificate issuance for GC and property owner relationships. Defense outside the limits feature with a 1/2/2 limit structure (defense outside the limits as described by the insurer). Excess limits are available to layer over primary placements when higher limits are required. Ability to include Automobile and Pollution cover for qualifying operations — useful for contractors who transport refrigerants or perform operations with potential pollutant exposure. Non-admitted placement through an experienced E&S broker allowing flexible terms for accounts that do not fit admitted market guidelines. Underwriting Notes and Minimum Premiums Underwriting focuses on operational controls, experience, and loss history. Key considerations include payroll, annual receipts, percentage of new residential vs. service work, safety programs, and refrigerant handling procedures. Minimum premium: $775 for accounts without new residential exposure. Minimum premium: $3,000 for accounts that include new residential work or tract construction. Higher minimums or specific underwriting requirements may apply to accounts with significant pollution exposure, large payrolls, or recent loss activity. Territories and Admitted Status This is a non-admitted (E&S) program and is available in the following jurisdictions: 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, WY Why Place Air Conditioning Business with Continental Risk Specialized E&S broker expertise — Continental Risk understands contractor exposures and works to craft practical solutions for HVAC risks. Market access to an A-rated carrier with favorable policy features, including blanket AI and defense outside the limits. Ability to package GL with auto and pollution cover for a more complete placement from a single program. Flexible excess capacity available when higher limits are required. Responsive underwriting for tract and new residential work when properly documented and priced. Example Accounts Example 1: You have a regional HVAC contractor with $1.2M in annual receipts who performs commercial service and small new-build residential installs. The program can provide GL with pollution coverage and blanket AI, with a quoted minimum premium adjusted for the new residential exposure. Example 2: You represent a property management vendor that performs routine HVAC maintenance across several multi-family properties and uses company vehicles to transport refrigerants. This program can combine GL, auto, and pollution cover in a single non-admitted placement with appropriate underwriting. For more information about the Air Conditioning Systems product and submission requirements, visit www.continentalriskins.com or contact Continental Risk through your usual wholesaler channels. Frequently Asked Questions What types of HVAC accounts are a good fit for this program?Contractors doing commercial service, light commercial installs, multi-family maintenance, and limited new residential or tract work are typical fits. Accounts with strong safety programs and manageable pollution exposure are preferred. Is this an admitted or non-admitted program?This is a non-admitted (E&S) program. Continental Risk places business where admitted markets are not suitable or flexible terms are needed. Are auto and pollution coverages available?Yes. Continental Risk can offer automobile and pollution coverage as part of the package for qualifying HVAC operations. These are underwritten alongside GL to ensure proper limits and conditions. How does the program handle additional insured requests?Blanket Additional Insured is included, which simplifies certificate issuance for general contractors and property owners. Specific endorsements and wording will be provided based on the insured’s operations and contracts. What are the minimum premiums and when do they apply?Minimums are $775 for accounts without new residential exposure and $3,000 for accounts that include new residential or tract work. Underwriting may require higher premiums for elevated exposures or recent losses. Need help placing an account? Connect with a market specialist.

Painting Contractors Insurance Legends Environmental Services offers a comprehensive Painting Contractors Insurance program designed to help agents and brokers protect their clients in the painting and coatings industry. From independent painters to large commercial painting operations, this program addresses the unique risks associated with working at heights, handling chemicals, and operating on clients’ properties. Ideal Accounts and Appetite This program is ideal for a variety of businesses involved in painting and related trades, including: Residential and commercial painting contractors Remodelers and renovators General contractors who subcontract painting work Construction companies with in-house painting divisions Handyman services that include painting Whether your client is a sole proprietor or manages a team of painters, Legends Environmental Services has access to markets that can accommodate their needs. Accounts with clean loss histories and adherence to safety practices are preferred. Coverage Highlights and Advantages The Painting Contractors Insurance program includes a range of coverages tailored to the exposures faced by painters and related professionals, such as: Business Owners Policy (BOP): Combines general liability and property protection, and may include loss of income coverage. General Liability Insurance: Helps protect against third-party bodily injury or property damage claims caused by paint spills, ladder falls, or other job site incidents. Workers' Compensation: Covers medical expenses and partial lost wages for employees injured on the job. Commercial Auto Insurance: Options for pickup trucks, vans, trailers, dump trucks, and more used in business operations. Coverage is placed through AM Best A Rated carriers, ensuring your clients receive quality insurance backed by financially strong providers. Underwriting Notes and Minimum Premiums The minimum premium for this program typically starts at $4,500, depending on the size and scope of the business. Underwriting will consider factors such as job type (residential vs. commercial), work at heights, use of subcontractors, and geographic location. Proper classification and safety protocols can improve placement options. Territories and Availability Legends Environmental Services offers this program in most states, including but not limited to CA, TX, FL, NY, IL, and PA. The program is available in 49 states and the District of Columbia, ensuring broad access for your clients across the country. Most markets are admitted, providing stability and compliance in various jurisdictions. Why Work With Legends Environmental Services? As both a general agency and carrier, Legends Environmental Services brings deep expertise in contractor and environmental risk profiles. Their focus on niche industries like painting contractors means they understand the challenges your clients face and can help you place difficult or specialized accounts. With access to A Rated carriers and a broad geographic footprint, they offer flexibility and support to help agents grow in the contractor segment. Whether you're quoting a new startup painting business or placing coverage for a seasoned commercial operation, Legends Environmental Services provides the tools and partnerships you need to deliver exceptional coverage solutions. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best suited for residential and commercial painting contractors, remodelers, general contractors with painting crews, and similar businesses. What coverages are included in the Painting Contractors Insurance package?The package can include a Business Owners Policy (BOP), general liability, Workers' Compensation, and commercial auto insurance options. Is this program available in my state?The program is available in most states, including CA, TX, FL, NY, and nearly all others across the U.S. What is the minimum premium for this program?The minimum premium typically starts at $4,500, depending on the risk characteristics of the account. Which carriers are used for this program?Legends Environmental Services works only with AM Best A Rated carriers to ensure quality and stability. Need help placing an account? Connect with a market specialist.