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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/

...acting business or a residential plumbing contractor working on multi-unit dev...

...ior and Exterior – No Spray) Plumbing – Residential Roofing – Resident...

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

Legends Environmental Insurance Services offers a focused Restoration Contractors Insurance program built for restoration professionals. Delivered as part of our Environmental Services Package Policy, this program is available throughout the United States and Canada and provides essential protection for environmental exposures commonly faced by restorers—including mold and fungus-related claims. Ideal Accounts and Appetite This program is designed for restoration contractors who perform water, fire, smoke, mold, biohazard cleanup, and structural restoration work. Typical accounts include: Water and flood damage restoration contractors Mold remediation specialists Fire and smoke damage restoration firms Contractors performing environmental cleanups and decontamination Legends places accounts ranging from small, single-state firms to multi-state operations. The program favors contractors with documented risk management practices, OSHA and industry-standard procedures, and strong service protocols. Coverage Highlights and Advantages Our Restoration Contractors Insurance program packages multiple coverages into a single, coordinated policy to simplify placement and often reduce overall cost compared to separate policies. Key features include: Contractors Pollution Liability – Third-party liability for pollution incidents, including mold and other environmental hazards. Commercial General Liability – Coverage for bodily injury, property damage, and completed operations exposure. Professional Liability – Errors and omissions protection for professional services and consulting related to restoration work. Additional advantages: Fungus and mold-related claims included within the Environmental Services Package Access to multiple markets to match a client’s risk profile Wholesale broker expertise and environmental claims handling support Underwriting Notes and Minimum Premiums Underwriting focuses on restoration operations with demonstrated controls and procedures. Important points for submissions: Minimum premium: $4,000 Minimum deductible: $2,500 under the Environmental Services Package Policy limits available up to $25,000,000 Contractors Environmental Liability is also available as a standalone product What tends to fit: contractors with routine emergency response, controlled remediation projects, and documented quality controls. What may not fit: accounts with significant uncontrolled industrial pollution, long-term remediation with open legacy contamination, or firms lacking formal risk management—these require review and may need alternate placement. Territories and Availability Coverage is available across all 50 states, Washington, D.C., and Canada. Some admitted markets are available depending on the state and risk class; Legends leverages multiple carriers (admitted and non-admitted) to secure the best solution for each account. Why Work With Legends Environmental Insurance Services? As a wholesale broker focused on environmental exposures, Legends brings targeted underwriting relationships and deep claims expertise for restoration risks. Agents benefit from: Specialized markets that understand restoration exposures Guidance on submission structure and risk mitigation to improve placement odds Support through policy placement and environmental claim handling Example account scenarios: You have a regional mold remediation firm that performs residential and commercial work and needs contractors pollution plus completed operations limits—this program can bundle those exposures into one policy. Your client is a multi-state water damage restoration company seeking higher limits and consistent terms across states—Legends can access carriers and admitted markets to tailor the placement. To learn more about our Restoration Contractors Insurance or to discuss a specific risk, contact us at 714-955-1560. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best for restoration contractors focused on mold remediation, water and fire damage repair, and environmental cleanup services—with established risk management practices. Is mold coverage included in the policy?Yes. Fungus and mold-related claims are included within the Environmental Services Package Policy. What is the minimum premium for this program?The minimum premium starts at $4,000, with a minimum deductible of $2,500. Can I write business in any state?Yes. Coverage is available in all 50 states, Washington D.C., and Canada; admitted availability depends on state and risk class. Who are the carriers behind this program?Legends works with multiple markets—both admitted and non-admitted—to provide flexible options tailored to each client’s exposures. Need help placing an account? Connect with a market specialist.

...rforming interior trades such as plumbing, HVAC, and electrical work are eligi...

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.

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

Dialysis centers deliver life-sustaining care, but operating a facility brings specialized exposures — patient injuries, regulatory and licensing requirements, staffing and credentialing risks, supply-chain interruptions, and complex professional liability concerns. Legends Environmental Services offers a dedicated Dialysis Center Insurance program that helps independent agents place tailored protection for outpatient dialysis providers. Through access to multiple carriers and a focused underwriting approach, Legends helps you structure coverage that fits dialysis clinics of varying size and complexity. The program is designed to address the clinical, operational, and regulatory risks that matter most to dialysis operators and their medical directors. Ideal Accounts and Appetite This program is targeted to outpatient dialysis centers and clinics that provide hemodialysis and related outpatient services. It fits single-location facilities as well as multi-site regional operators where clinics maintain licensed staff and documented risk-management practices. Illustrative accounts that often fit the appetite include: An independently owned dialysis center serving a rural community with stable staffing and no recent professional liability claims A regional operator with multiple outpatient locations and an on-staff medical director who oversees clinical protocols Not a fit: inpatient hospital dialysis units, unlicensed facilities, or centers with significant unresolved regulatory actions or a chronic history of malpractice claims. Legends focuses on accounts with clear credentialing, documented policies, and proactive risk control. Coverage Highlights and Advantages Legends’ Dialysis Center Insurance program offers a combination of professional and facility protections and placement features that agents can use to tailor a solution: Professional liability and general liability available on occurrence or claims-made forms Incident-sensitive reporting trigger to support early notice of potential claims Defense costs paid outside the policy limits Consent-to-settle language that protects the first named insured’s interests Unlimited reporting endorsement available with reinstatement of limits Prior acts (retroactive) coverage for qualifying risks First-dollar coverage options and flexible deductibles to meet client needs Medical Director coverage included by default No 25% minimum earned premium at inception Primary limits typically $1M/$3M with follow-form excess options up to $5M/$5M Underwriting Notes and Minimum Premiums Underwriting evaluates clinical operations, staff credentials, patient mix, claims history, and regulatory compliance. The program’s minimum premium starts at $4,500. Legends works with agents to identify underwriting strengths and to package information — policies of accreditation, physician oversight, credentialing files, and documented risk-management programs — that improve placement outcomes. Territories and Availability This program is widely available across the United States. Legends Environmental Services places Dialysis Center coverage in the following jurisdictions: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC. Why Work With Legends Environmental Services? Legends is a brokerage general agency with deep experience placing niche healthcare risks. For dialysis accounts, Legends combines market access, program-level strength, and responsive underwriting to help you place accounts that might be difficult at standard markets. Agents benefit from a partner that can coordinate carrier options, negotiate appropriate terms, and advise on information that improves submission success. To learn more or to submit a renewal or new-business opportunity, visit the company profile or open the program storefront: Dialysis Center Insurance. Frequently Asked Questions What types of accounts are a good fit for this program?Outpatient dialysis clinics — independent and regional operators — with licensed staff, documented credentialing, and proactive risk-management practices are the best fit. Is Medical Director coverage included?Yes. Medical Director coverage is included automatically in the standard offering. What limits are available under this program?Primary limits of $1 million/$3 million are commonly offered, with optional follow-form excess up to $5 million/$5 million. In which states is this program available?This program is available in most U.S. jurisdictions, including the states listed above and Washington, D.C. What is the minimum premium?The program’s minimum premium starts at $4,500. Need help placing an account? Connect with a market specialist.

Dialysis centers deliver life-sustaining care, but operating a facility brings specialized exposures — patient injuries, regulatory and licensing requirements, staffing and credentialing risks, supply-chain interruptions, and complex professional liability concerns. Legends Environmental Services offers a dedicated Dialysis Center Insurance program that helps independent agents place tailored protection for outpatient dialysis providers. Through access to multiple carriers and a focused underwriting approach, Legends helps you structure coverage that fits dialysis clinics of varying size and complexity. The program is designed to address the clinical, operational, and regulatory risks that matter most to dialysis operators and their medical directors. Ideal Accounts and Appetite This program is targeted to outpatient dialysis centers and clinics that provide hemodialysis and related outpatient services. It fits single-location facilities as well as multi-site regional operators where clinics maintain licensed staff and documented risk-management practices. Illustrative accounts that often fit the appetite include: An independently owned dialysis center serving a rural community with stable staffing and no recent professional liability claims A regional operator with multiple outpatient locations and an on-staff medical director who oversees clinical protocols Not a fit: inpatient hospital dialysis units, unlicensed facilities, or centers with significant unresolved regulatory actions or a chronic history of malpractice claims. Legends focuses on accounts with clear credentialing, documented policies, and proactive risk control. Coverage Highlights and Advantages Legends’ Dialysis Center Insurance program offers a combination of professional and facility protections and placement features that agents can use to tailor a solution: Professional liability and general liability available on occurrence or claims-made forms Incident-sensitive reporting trigger to support early notice of potential claims Defense costs paid outside the policy limits Consent-to-settle language that protects the first named insured’s interests Unlimited reporting endorsement available with reinstatement of limits Prior acts (retroactive) coverage for qualifying risks First-dollar coverage options and flexible deductibles to meet client needs Medical Director coverage included by default No 25% minimum earned premium at inception Primary limits typically $1M/$3M with follow-form excess options up to $5M/$5M Underwriting Notes and Minimum Premiums Underwriting evaluates clinical operations, staff credentials, patient mix, claims history, and regulatory compliance. The program’s minimum premium starts at $4,500. Legends works with agents to identify underwriting strengths and to package information — policies of accreditation, physician oversight, credentialing files, and documented risk-management programs — that improve placement outcomes. Territories and Availability This program is widely available across the United States. Legends Environmental Services places Dialysis Center coverage in the following jurisdictions: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC. Why Work With Legends Environmental Services? Legends is a brokerage general agency with deep experience placing niche healthcare risks. For dialysis accounts, Legends combines market access, program-level strength, and responsive underwriting to help you place accounts that might be difficult at standard markets. Agents benefit from a partner that can coordinate carrier options, negotiate appropriate terms, and advise on information that improves submission success. To learn more or to submit a renewal or new-business opportunity, visit the company profile or open the program storefront: Dialysis Center Insurance. Frequently Asked Questions What types of accounts are a good fit for this program?Outpatient dialysis clinics — independent and regional operators — with licensed staff, documented credentialing, and proactive risk-management practices are the best fit. Is Medical Director coverage included?Yes. Medical Director coverage is included automatically in the standard offering. What limits are available under this program?Primary limits of $1 million/$3 million are commonly offered, with optional follow-form excess up to $5 million/$5 million. In which states is this program available?This program is available in most U.S. jurisdictions, including the states listed above and Washington, D.C. What is the minimum premium?The program’s minimum premium starts at $4,500. Need help placing an account? Connect with a market specialist.