Search CompleteMarkets

...ters, recycling operations, and properties with historical contamination or on...

POLLUTION LIABILITY INSURANCE AVAILABLE NATIONWIDE Arlington/Roe offers a nationwide Pollution Liability Insurance program designed for agents and brokers seeking solutions for clients with environmental exposure risks. General liability policies often exclude pollution-related incidents, leaving a critical gap for many businesses. This program helps you protect your insureds from the financial impact of pollution-related claims, including bodily injury, property damage, cleanup costs, and regulatory fines. Ideal Accounts and Appetite Our pollution liability markets are a strong fit for a wide range of industries and operations where environmental exposures are a concern. Typical accounts include: Environmental and general contractors Fueling and maintenance facilities Farms and agricultural operations Storage yards and distribution centers Airports and aviation service providers If you have a client operating a fueling station at a small airport, or a contractor involved in environmental remediation, our program can help you secure tailored liability protection. Coverage Highlights and Advantages Pollution Liability Insurance through Arlington/Roe can include: Third-party bodily injury and property damage Costs associated with cleanup and site restoration Coverage for sudden and gradual pollution events Contractor’s Pollution Liability (CPL) Premises-specific coverage for fixed locations Our carriers understand the unique risks associated with environmental liability and provide flexible coverage solutions designed to meet regulatory and contractual requirements. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the class of business, scope of operations, and limits required. We offer access to both admitted and non-admitted markets to provide the best fit for your client’s risk profile. Our team will work with you to evaluate submissions and identify the right carrier and coverage structure. Territories and Availability This program is available across all 50 states and Washington, D.C., including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY. Why Work With Arlington/Roe? As a trusted Managing General Agency and Excess & Surplus Lines Broker with over 20 years of experience in aviation and specialty lines, Arlington/Roe gives you access to more than 35 top-tier carriers. Our team understands the complexity of pollution risks and provides responsive, expert support throughout the placement process. We are committed to helping you serve your clients with confidence and care. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for contractors, fuel storage sites, farms, airports, and other operations where pollution exposures exist. Is pollution liability coverage included in general liability policies?No, general liability policies typically exclude pollution exposures. Separate pollution liability coverage is necessary to fill that gap. Can you write business in all states?Yes, our pollution liability program is available in all 50 states and Washington, D.C. What types of pollution events are typically covered?The program can cover both sudden and gradual pollution events, including third-party injury, property damage, and cleanup costs. Do you offer both admitted and non-admitted options?Yes, we represent markets offering both admitted and non-admitted coverage, allowing us to tailor solutions based on your client's needs. Need help placing an account? Connect with a market specialist.

Contractors Pollution Liability Insurance Program from Commercial Sector Insurance Brokers Contractors Pollution Liability (CPL) Insurance is essential for contractors whose operations may result in pollution-related exposures. Commercial Sector Insurance Brokers offers a flexible CPL program designed for agents and brokers seeking a market for contractors needing comprehensive pollution protection. With access to over 15 carriers and a deep understanding of complex environmental risks, we provide solutions tailored to your clients' specific needs. Ideal Accounts and Appetite This program is well-suited for a wide range of contracting professionals, including: General contractors and construction managers Environmental and remediation contractors HVAC, plumbing, and mechanical contractors Utility, pipeline, and excavation contractors Roofing, paving, and demolition contractors Accounts with known or potential exposure to pollutants—such as mold, asbestos, fuel spills, or chemical runoff—are ideal candidates. Whether your client handles hazardous materials directly or may encounter pollution risks during routine operations, this program can help address those exposures. Coverage Highlights and Advantages Our CPL policy is available on a claims-made or occurrence basis and provides third-party coverage for: Bodily injury and property damage arising from pollution events Legal defense costs related to pollution incidents Cleanup and remediation expenses Coverage applies to both sudden/accidental releases and gradual pollution conditions stemming from the contractor's operations—whether performed directly or by subcontractors. Tailored endorsements and higher limits may be available to meet more complex needs. Underwriting Notes and Minimum Premiums CPL policies through Commercial Sector Insurance Brokers typically start at a minimum premium of $5,000. We work with over 15 carriers, allowing us to match your submission with the right market based on your client’s industry, project scope, and pollution exposure. Strong submissions include detailed project descriptions, risk mitigation practices, and prior loss history when available. We welcome both new ventures and established contractors with proven safety records. Territories and Availability This program is available in most states, including but not limited to CA, TX, FL, NY, IL, WA, and GA. Coverage is offered on a non-admitted basis in some jurisdictions, depending on carrier availability and state regulations. We currently write in 48 states plus Washington, D.C. Why Work With Commercial Sector Insurance Brokers? As an experienced Excess & Surplus Lines Broker, Commercial Sector Insurance Brokers brings specialized knowledge and market access to help you place complex environmental risks. Our team understands the nuances of pollution liability and works closely with you to deliver fast, competitive solutions. From small artisan contractors to large infrastructure projects, we provide the underwriting support and carrier access you need to serve your clients effectively. Whether you're placing a new account or looking for a better option on renewal, our CPL program offers the flexibility and protection your contractor clients need in today's regulatory environment. Frequently Asked Questions What types of accounts are a good fit for this Contractors Pollution Liability program?This program is ideal for general contractors, environmental contractors, utility and excavation firms, and any contractor with potential exposure to environmental liabilities during their operations. Is this policy available on an occurrence or claims-made basis?Yes, the CPL coverage can be written on either an occurrence or claims-made basis, depending on the client's needs and underwriting criteria. What is the minimum premium for this program?The minimum premium typically starts at $5,000, though actual pricing may vary based on the nature and size of the risk. What types of pollution events are covered?Coverage includes sudden and accidental pollution events as well as gradual pollution conditions resulting from contracting operations. In which states is this program available?This program is available in most states across the U.S., including CA, TX, FL, NY, and many others. Coverage may be non-admitted in some states. Need help placing an account? Connect with a market specialist.

Available nationwide and to all target classes. Most standard GL policies exclude pollution liability coverage and so do most standard Property/BOPs. This is a great opportunity to pitch this as additional protection to many insureds. Here are some highlights of the program - Limits up to $ 5 Million General Aggregate Contractors Pollution Liability Coverage Part – Each Pollution Condition Mold Liability Coverage Park – Each Claim/Aggregate Limit Premium starting at just $500 Deductible starting at $1,000 All states All trades Contact us and you work with an underwriter immediately - no multiple layers to navigate. Turn-around time is less than 24 hours.

Overview — Legends Environmental Services: Recycling Insurance Program Legends Environmental Services offers a tailored Recycling Insurance Program for agents placing waste and recycling operations in small- to medium-sized communities. Working with carrier partners, Legends delivers competitively priced, flexible coverage with several broadened endorsements and enhancements crafted for recycling-specific exposures. Ideal accounts and appetite This program targets recycling and collection operations and related facilities that have straightforward recycling or transfer operations. Typical accounts include: Local curbside collection and transfer operations Recycling facilities handling scrap metal (no on-site processing), paper, plastic, glass, rubber, textiles, electronics, and automobiles Small- to mid-sized transfer stations and consolidation operations Accounts generally need to be operations-focused (collection, storage, transfer) rather than heavy processing or smelting. Risks involving large-scale processing, significant on-site dismantling, or high-hazard waste streams are typically outside the program’s appetite. Coverage highlights and advantages The program is designed to address the unique property, auto, GL and pollution exposures that recycling operations face. Key features include: Property Enhancement endorsement — increased debris removal limits and amendments/extensions to Business Personal Property. Commercial Liability Broadening endorsement — blanket additional insured status and primary/non-contributory wording when required by contract. Commercial Auto Broadening endorsement — higher limits for physical damage to hired autos and Lease Gap coverage. Broadened Pollution Liability for Covered Autos — covers sudden and accidental pollutant discharges from autos. Equipment breakdown coverage and MCS-90 endorsements available where required. Multiple coverage parts available: General Liability, Automobile, Inland Marine, Pollution, Property, and Umbrella. Underwriting notes and minimum premiums Minimum premium: $4,500 (program minimum; final terms depend on underwriting and state placement). Required submission materials: completed ACORD applications for each coverage part, the program-specific questionnaire, five years of currently valued company loss runs, and drivers list with Motor Vehicle Records. Good risks typically show established safety programs, documented vehicle maintenance and driver screening, and clear separation of processing activities from storage/transfer. Territories and admitted positioning The Recycling Insurance Program is available in most states, excluding AK, CO, NV, LA, and NY. Legends places business through admitted and non-admitted markets as appropriate to meet client needs and to secure the specific broadenings required for recycling operations. Why place recycling business with Legends Environmental Services? Wholesale broker access to multiple carrier partners experienced in environmental and transportation exposures. Program wording designed specifically for recycling operations — not a general waste form retrofit. Flexible endorsements to satisfy contract requirements (blanket additional insured, primary/non-contributory, auto pollution extensions, lease gap). Dedicated submission checklist and underwriting focus that help speed placement for eligible risks. Example client scenarios You might have a municipality-operated transfer station seeking GL, auto, and pollution coverage with primary additional insured wording for contracted haulers. Or an independent scrap metal dealer (no processing) needing inland marine for stored inventory, broadened auto pollution coverage, and equipment breakdown protection. Frequently Asked Questions What types of recycling accounts are a good fit for this program?Collection, transfer, and storage operations in small- to mid-sized communities are ideal — including scrap metal (no processing), electronics, paper, plastic, glass, rubber, textiles, and automobiles. High-hazard processing or large-scale dismantling operations usually do not fit. Which coverage parts can I place through this program?Legends can place General Liability, Automobile, Inland Marine, Pollution, Property, and Umbrella coverages with program-specific endorsements and broadenings. What minimum documents and information are required for submission?You will need ACORD applications for each coverage part, the program-specific questionnaire, five years of currently valued company loss runs, and a drivers list with Motor Vehicle Records. Need help placing an account? Connect with a market specialist.

Overview — AI Risk Education Program AI Risk offers a focused Education program designed for independent agents and brokers placing private K–12 schools and private colleges/universities with up to 10,000 students. The program provides broad campus protection through packaged property and casualty options with AIG capacity, including primary commercial general liability, lead umbrella, and specialty coverages that schools often require. Ideal Accounts and Appetite This program is targeted toward private educational institutions where the sponsor or operator wants consolidated coverages under one program. Typical fits include: Private kindergarten through 12th grade schools (day schools and small boarding schools). Private colleges and universities with total enrollment of 10,000 students or fewer. Campuses and facilities with school-owned student housing, athletic facilities, and administrative buildings. Accounts with significant on-campus research hazards, high-hazard operations, or very large student populations may be outside the appetite. Contact AI Risk underwriting for borderline or complex exposures. Coverage Highlights and Advantages Property coverage for buildings, contents and business interruption tailored to campus operations. Inland marine and valuable papers & records coverage to protect student and institutional records. Machinery and equipment breakdown to cover HVAC, boilers and campus mechanical systems. Crime coverage for employee dishonesty, theft and funds transfer exposures. Primary commercial general liability with optional lead umbrella capacity through AIG. Incidental medical malpractice — useful for on-campus clinics, athletic trainers, and health services. Abuse & molestation coverage — available as part of the program to address one of the most sensitive campus exposures. Limited pollution coverage for accidental releases from heating systems, maintenance operations or student housing. Underwriting Notes Underwriters will evaluate campus exposures, historical claims, risk management practices, and student population size when considering submissions. Common submission items that help speed placement include: Current ACORD applications and a detailed description of campus operations. Five years of loss runs and explanation of any large or recurring claims. Property schedule with values by building and construction and protection details (sprinklers, fire alarms). Policies and procedures for background checks, child protection, campus safety and incident reporting. If minimum premium requirements apply they will be provided by AI Risk during the quoting process. Territories and Availability The AI Risk Education program 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 This Business With AI Risk AI Risk combines program-focused underwriting with AIG capacity to deliver broad, school-specific solutions. For agents, that means: Single-source quoting for multiple campus coverages. Access to umbrella capacity and specialty coverages like abuse & molestation and incidental med-mal. Underwriters experienced with educational exposures who can work with you on risk improvement recommendations and tailored terms. Example Account Scenarios A 600-student private K–12 independent school seeking property, liability and abuse coverage for on-campus after-school programs and a small health clinic. This account fits the program’s typical appetite. A private liberal arts college with 3,200 enrolled students requesting property, student housing liability, limited pollution and equipment breakdown coverage for campus mechanical systems. AI Risk can package these coverages with AIG umbrella capacity. If you represent schools or campuses that match the size and exposures above, AI Risk’s Education program is positioned to provide competitive, consolidated protection with underwriting that understands the unique risks of educational institutions. Frequently Asked Questions What types of educational institutions are a good fit for this program?The program is designed for private K–12 schools and private colleges/universities with enrollment up to 10,000 students. It is best for campuses seeking packaged property and casualty coverage, including student housing and on-campus services. Which coverages are included or available through the program?Core offerings include property, inland marine, machinery and equipment breakdown, valuable papers and records, crime, primary commercial general liability, lead umbrella capacity, incidental medical malpractice, abuse & molestation, and limited pollution coverage. What underwriting information should I submit to get a quick review?Provide completed applications, property schedules, five years of loss runs, descriptions of campus operations (including student housing and clinics), and documentation of safety or child protection policies. These items help underwriters assess risk and accelerate quotation. Is this program available nationwide?The program is available in the states listed above. Availability may vary by state and by specific coverage line; submit accounts for state-by-state confirmation. Who provides the insurance capacity for the program?AI Risk places this Education program with capacity from AIG, combined with AI Risk’s program underwriting and administration to deliver campus-focused solutions. Need help placing an account? Connect with a market specialist.

Overview — Colonial General Insurance Agency, Inc. Tree Trimmers Insurance Colonial General Insurance Agency, Inc. offers a specialized Tree Trimmers Insurance program designed for agents placing tree care and arborist risks. This program provides both property and liability solutions on a mono-line or packaged basis for insureds whose primary operations are planting, transplanting, pruning, fertilizing, applying pesticides/herbicides, bracing, and removing trees. It is not intended for logging, lumbering, or large-scale land-clearing operations. Policy Highlights The program combines flexible property options with robust commercial general liability and ancillary coverages tailored to tree care contractors. Coverages are available through admitted markets in select states and non-admitted/Excess & Surplus (E&S) placements where required. Ideal Accounts and Appetite Independent tree trimming and pruning contractors serving residential and commercial customers Arborists who provide transplanting, fertilization, bracing, cabling, and tree removal services Companies that apply pesticides/herbicides as part of tree care (pesticide applicator coverage available) Operations that own and use contractor’s equipment, bucket trucks, and specialty tools The program typically favors small- to mid-sized operations with standard tree care exposures. Risks primarily involved in logging, sawmill operations, or heavy land clearing are outside the appetite. Coverage Highlights and Advantages Property coverages: Building, Contents, Accounts Receivable, Business Income, Computer Equipment, Contractor’s Equipment, Outside Signs, Valuable Papers; options for Basic, Broad, or Special forms and Replacement Cost or Actual Cash Value settlement. Equipment Breakdown: Optional coverage for mechanical and electrical breakdown of covered equipment. Commercial General Liability: Primary limits available up to $3,000,000 occurrence/aggregate with Additional Insured options (blanket additional insured available) and Excess/Umbrella limits up to $25,000,000. Pollution and pesticide exposures: Pesticide/Herbicide Applicator Coverage included to policy limits; In-Transit Pollution Coverage typically $25,000 per occurrence / $100,000 aggregate. Care, custody & control: Property Damage Extension for customer property (examples: care/custody/control) with typical limits of $5,000/$25,000 and the option for higher limits. Errors & Omissions: E&O coverage part available to address professional exposures tied to arboricultural advice and services. Loss control: Loss prevention brochure and underwriting guidance available to help reduce frequency and severity of claims. Underwriting Notes and Minimums Underwriters will evaluate operations, payroll, revenue, equipment values, pesticide application practices, and loss history. Minimum deductibles and underwriting requirements apply; a $1,000 minimum deductible is commonly required. Limits, terms, and availability may vary by state and carrier. Common declines or referrals: logging/lumbering operations, large tree removal on development/clearing projects, and accounts with repeated severe liability/property losses without demonstrable loss-control improvement. Territories and Admitted Status Available in: AZ, CA, CO, ID, NV, NM, UT, WY. Colonial General places business in both admitted and non-admitted markets depending on state and risk characteristics — some admitted markets are available while E&S solutions are provided where needed. Why Place This Business with Colonial General Insurance Agency, Inc. As a Managing General Agency and E&S broker, Colonial General offers focused underwriting for tree care contractors, flexible limits, packaged options, and access to multiple carriers (varies by state). Agents benefit from specialized underwriting that understands arborist operations, available E&O and pesticide applicator coverages, and loss control resources to help improve renewability and terms. You can use this program when you have clients that need contractor’s equipment protection, pesticide applicator limits, or higher umbrella limits tied to tree operations and who do not fit standard admitted markets. Example Accounts Small residential tree service with three crews that prune and remove trees, owns two bucket trucks and assorted equipment — seeking general liability, equipment coverage, and business income protection. Mid-size arborist firm that provides pesticide treatments and offers consulting/inspections — needs liability with pesticide applicator coverage and an E&O limit for professional exposure. Frequently Asked Questions What types of tree service businesses are a good fit for this program?This program targets tree care and arborist contractors whose primary operations include planting, transplanting, pruning, fertilizing, pesticide/herbicide application, bracing, and routine tree removal. It is best for small- to mid-sized residential and commercial tree service firms, not logging or lumbering operations. Are pesticide and herbicide exposures covered?Yes. Pesticide/Herbicide Applicator Coverage is available and typically provided to policy limits. Underwriting will review application practices, licensing, and any required state certifications. What liability limits and excess options are available?Primary commercial general liability limits are available up to $3,000,000 occurrence/aggregate, with Excess/Umbrella limits up to $25,000,000 depending on carrier capacity and risk characteristics. Is equipment coverage available for specialized contractor tools and vehicles?Yes. Contractor’s Equipment coverage is part of the property package. Equipment breakdown, replacement cost options, and in-transit coverage are also available depending on the submitted values and schedule. Need help placing an account? Connect with a market specialist.

Description Commercial Property program that offers building coverage along with business personal property. Documents Needed to Quote: - Acord 125 - Acord 140 Coverages Coverage will include the following: - 90% coinsurance - Special Form - Business Interruption included - Theft Sublimit $25k can be added (Central Station Alarm required) Exclusions Exclusions include the following: - Liability is not included - Earthquake/Flood Eligible Property • Offices • Retail • Mixed use LRO • Educational • Medical Facilities • Warehouses (Low Hazard Occupancy) • Condominiums • Government Buildings • Distribution • Light Manufacturing Excluded Property • Mid-Heavy Manufacturing • Hotels/Motels • Restaurants • Apartments • Any Risks PC 7 or greater • Any risk built prior to 1970 unless fully upgraded within the last 20 years.

Architects and Engineers engage in a broad range of disciplines that vary significantly from project to project. From structural design to environmental planning, each engagement brings unique professional liability risks. Whether it's potential bodily injury, property damage, or environmental exposures like pollution, your clients need comprehensive protection tailored to their profession. Capitol Special Risks offers a versatile Architects and Engineers Professional Liability Insurance program designed to meet these challenges head-on. This program is available in all 50 states and is written on a non-admitted basis through multiple trusted carriers. Ideal Accounts and Appetite Capitol Special Risks is positioned to help you place a wide range of architect and engineering accounts, from solo practitioners to mid-sized firms engaged in commercial, residential, or public projects. Ideal risks include: Architectural design firms handling commercial construction Civil and structural engineers involved in infrastructure projects Environmental engineers with potential pollution exposures Firms providing software or digital tools as part of their services Hard-to-place or non-standard risks are welcome, including firms with prior claims or those working on high-risk projects. Whether your client is designing bridges or creating construction software, this program offers a flexible and competitive solution. Coverage Highlights and Advantages Capitol Special Risks’ A&E Professional Liability program features broad and customizable coverage, including: Personal and Advertising Injury, including consequential bodily injury Pollution Conditions coverage Consent to Settle Clause (soft hammer at 50%) Coverage for software sold or supplied by the insured Punitive damages coverage where allowed by law Coverage extended to independent contractors, leased, and temporary employees Insured person includes spouse and domestic partner Full severability of all exclusions Worldwide coverage Mutual selection of claim counsel Self-insured retention reduced by 50% (up to $25,000) when mediation is used Discovery clause for reporting circumstances 45-day coverage for newly merged or acquired entities Blanket waiver of subrogation Blanket additional insured for pollution conditions Specific client or project excess limits available These features are designed to meet the evolving professional risk landscape of A&E firms. Underwriting Notes and Minimum Premiums Minimum premiums vary based on risk characteristics, services provided, revenue, and claims history. Capitol Special Risks works closely with agents to provide fast turnaround and tailored quotes for each submission. This program is especially suited for agents who need a flexible, responsive market with experience in non-admitted placements and complex risks. Territories and Availability This Architects and Engineers Professional Liability program is available in all 50 states, including DC. As a non-admitted solution, it offers greater flexibility in coverage terms and underwriting for unique or high-risk accounts. Why Work With Capitol Special Risks As a leading wholesale broker with extensive experience in professional liability, Capitol Special Risks is a trusted partner for independent agents nationwide. With access to multiple carriers, a deep understanding of the A&E space, and no broker fees, they offer a competitive edge in placing complex risks. Fast turnaround, underwriting support, and flexible solutions make Capitol Special Risks an excellent choice for brokers looking to grow their architecture and engineering book of business. Contact us today for your Architect and Engineers Professional Liability Insurance needs! Fast turnaround and we never charge a broker fee! In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service - CA Fire & Casualty Agency - #0C46094 Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include architectural firms, civil and structural engineers, environmental consultants, and design professionals involved with commercial, infrastructure, or public projects. Is this program available in all states?Yes, the Architects and Engineers Professional Liability Insurance program is available in all 50 states on a non-admitted basis. Can this program cover pollution or environmental exposures?Yes, the program includes coverage for pollution conditions, making it suitable for environmental engineers and other professionals with similar exposures. Are independent contractors or temporary employees covered?Yes, the policy extends coverage to independent contractors, leased, and temporary employees when working on behalf of the insured, as well as spouses and domestic partners. Does Capitol Special Risks charge a broker fee?No, Capitol Special Risks does not charge a broker fee for this program. Need help placing an account? Connect with a market specialist.

J.L. von Arx & Associates offers a focused Pest Control Insurance program designed for independent agents who place accounts for pest and termite operators, inspection services and related service contractors. Overview of the Program from J.L. von Arx & Associates This Pest Control Insurance program is offered through J.L. von Arx & Associates as a Managing General Agency and Excess & Surplus Lines broker. The program provides targeted property, liability and pollution protections tailored to the common exposures of pest control businesses, with flexible limits and the ability to access multiple admitted and non-admitted markets depending on the risk and state. Ideal Accounts and Appetite Small to mid-size pest control companies (termite, general pest, rodent control, fumigation and integrated pest management). Businesses that perform wood-destroying organism inspections (WDI/WDO) and want professional liability options for inspection services. Operations with company-owned vehicles used to transport equipment and pesticides. Accounts with routine pesticide application and limited on-site storage — typically single-state operations in AZ, CA and NV. Accounts that commonly fit: owner-operator firms, family businesses, single-location franchised operators and independent inspection services. Higher-exposure risks (large commercial applicators, large-scale agricultural operations, or accounts with significant storage of bulk pesticides) may require specialty underwriting or may be declined. Coverage Highlights and Advantages $100,000 of coverage for property in the insured’s care, custody and control (higher limits available on request). $10,000 in-transit pollution coverage to help address claims arising from spills or releases during transport (higher limits available). Professional liability available for Wood Destroying Organism inspection services for an additional fee. Packageability with Commercial Auto and Workers’ Compensation through admitted or E&S carriers as appropriate. Access to multiple carriers to match the account’s admitted/non-admitted needs and risk characteristics. Underwriting Notes and Minimums Underwriting focuses on operations, revenue, employee training, pesticide storage, application procedures and vehicle use. The program typically requires a minimum premium of $500.00. Submission may include loss runs, a description of services, pesticide use profiles, and details on company vehicles and hired/leased equipment. Territories and Admitted Status Available in AZ, CA and NV. Admitted placement is available in some states; where admitted markets are not available, placements will be made through excess & surplus lines carriers. J.L. von Arx & Associates will work with you to determine the appropriate admitted or non-admitted option based on the risk and state requirements. Why Work With J.L. von Arx & Associates on Pest Control Business Niche focus — program wording and endorsements are targeted to common pest control exposures (property in care, in-transit pollution, inspection liability). Market access — as an MGA and E&S broker, the firm can place accounts across multiple carriers to secure competitive terms. Practical flexibility — higher limits and additional coverages are available on a case-by-case basis. Agent support — underwriting guidance on documentation and exposure control to help speed placement. Example Account Scenarios You have a local termite and general pest company with three service vans, limited on-site pesticide storage, and revenue under industry mid-market levels — this program can provide GL, property in care, auto and in-transit pollution limits appropriate to the operation. A sole-proprietor inspecting homes for wood-destroying organisms who needs professional liability for inspection reports — professional liability for WDO inspection services is available for an additional fee. Contact J.L. von Arx & Associates for submission requirements, appetite details, or to discuss a specific account. Commercial auto, workers’ compensation and other ancillary lines can often be placed alongside the Pest Control program where appropriate. Frequently Asked Questions What types of pest control accounts are a good fit for this program?Small to mid-size pest control and termite operators, inspection services and similar contractors with routine pesticide application, limited bulk storage, and company vehicles in AZ, CA or NV are the primary targets. Is professional liability for WDO inspections included?Professional liability for wood-destroying organism (WDO/WDI) inspection services is available for an additional fee; request it on submission if the insured performs inspection and reporting work. What is the minimum premium and what else should I submit?The program’s minimum premium is $500.00. Typical submission items include a description of operations, revenue, employee counts, vehicle schedules, loss runs and details on pesticide storage and application procedures. Are admitted placements available?Admitted markets are available in some states. Where admitted coverage is not available or suitable, J.L. von Arx & Associates can place the account through excess & surplus markets to secure coverage. Can you add commercial auto or workers’ compensation with this program?Yes. Commercial auto and workers’ compensation options are commonly placed alongside this program through the appropriate admitted or E&S markets—discuss combined placement when you submit the account. Need help placing an account? Connect with a market specialist.