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...r businesses that operate concrete pumps — boom pumps, line pumps, and trailer-mounted units. Typical e... using boom, line, or trailer-mounted pumps — are a strong fit when equipment ...

...tions with owned or leased mixers, pumps, and specialized equipment Accounts..., and contractors who operate mixers, pumps, and related equipment in the conc...

...specially those using boom or line pumps, this program offers tailored coverag...all and large, operating boom or line pumps. Multi-state operators and ACPA me...

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Flat concrete contractors face distinct liability exposures because their work forms the foundation for structures and surfaces. Defective workmanship, inferior materials, or unexpected site conditions can lead to expensive claims—even years after a job finishes. Novatae Risk Group’s General Liability Insurance for Flat Concrete Contractors helps your clients manage those risks with tailored coverage and underwriting expertise. Through our relationship with Empire Underwriters, Novatae provides access to a program supported by “A”-rated admitted and non-admitted carriers. The program is built for small to mid-sized flat concrete contractors with annual payrolls under $1,000,000. Whether your client does smooth concrete, decorative finishes, or commercial and residential slabs, this market offers focused coverage and underwriting guidance designed for the trades you place. To discuss Flat Concrete Contractor accounts, call our brokers at 800-758-8113. Overview of the Program: This general liability program addresses the common and specialized exposures of flat concrete contractors working in residential and light commercial sectors. Coverage and endorsements are targeted to risks associated with flatwork slabs, decorative concrete, cleaning services, footers, and related site work. Ideal Accounts and Target Appetite: We are actively seeking small to medium-sized contractors with less than $1,000,000 in annual payroll. Target operations include: Smooth concrete flatwork (driveways, sidewalks, patios) Decorative, stamped, and finished concrete Concrete cleaning and restoration services Residential and light commercial slabs and footings Example fits: you might have a client who installs residential driveways and patios or a subcontractor placing slabs on small commercial projects. Those operations typically match this program’s appetite. Coverage Highlights: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per-project aggregate limits Subsidence coverage (subject to limitations) Prior project coverage (subject to limitations) Underwriting Requirements and Minimum Premium: Completed ACORD applications 3–5 years of currently valued loss runs Supplemental contractor application Project-specific pollution application (if applicable) Minimum premiums typically start at $1,500, and final pricing depends on state and class codes. Territories and Carrier Access: Coverage is available in most states, including AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, and WV. We place both admitted and non-admitted options with highly rated carriers (up to A-XV) depending on state and risk profile. Why Work With Novatae Risk Group: As a wholesale broker focused on construction, Novatae Risk Group delivers responsive service, deep market access, and practical underwriting support. We understand flat concrete exposures and work with brokers to place hard-to-bind or nuanced accounts efficiently. Our relationship with Empire Underwriters gives you expanded carrier options and tailored wording that matter on construction projects. Need a quote for a flat concrete contractor? Email submissions to [email protected] or call 800-758-8113 to speak with an underwriter. Frequently Asked Questions What types of accounts are a good fit for this program?Small to medium flat concrete contractors with payrolls under $1,000,000 — for example, residential flatwork specialists, decorative concrete installers, and light commercial slab contractors. What are the minimum premium requirements?Minimum premiums typically start at $1,500, but the final minimum depends on the state and operations class. What do I need to submit for a quote?Provide completed ACORD applications, 3–5 years of currently valued loss runs, the supplemental contractor application, and a pollution application if the account has pollutant exposures. Is coverage available in my state?The program is available in most states listed above. Contact us to confirm availability and admitted vs. non-admitted options for your client’s state. What carrier markets are used for this program?We utilize both admitted and non-admitted carriers, with available markets rated as high as A-XV depending on the risk profile and jurisdiction. Need help placing an account? Connect with a market specialist.

Personal Safeguards Group, LLC offers a comprehensive Product Warranty Insurance Program designed specifically for manufacturers, distributors, and retailers who want to enhance their value proposition by extending limited warranties or offering new extended warranty coverage to their customers. This program allows your insureds to provide long-term protection for a wide range of products, helping them stand out in competitive markets and build stronger consumer trust. Ideal Accounts and Appetite This program is ideal for businesses that manufacture or sell durable goods and high-tech products. Target classes include: Appliance and electronics manufacturers Automobile and powersport dealers Computer, mobile device, and smart tech providers LED lighting and energy-efficient technology companies Internet of Things (IoT) device manufacturers Medical equipment suppliers Power generator and solar panel producers HVAC and heat pump manufacturers You might have a client who manufactures smart home devices and wants to offer a 5-year extended warranty as a value add—or a regional HVAC supplier looking to offer 10-year parts and labor protection. These are excellent fits for this program. Coverage Highlights and Advantages The Product Warranty Insurance Program offers flexible coverage options, including: Coverage terms up to 10 years for parts and/or labor Customizable solutions to match your client’s warranty structure Protection for both new and existing product lines Support for branding and customer satisfaction efforts These insured warranty solutions can help clients reduce financial risk, support customer retention, and gain a competitive edge in their industry. Underwriting Notes and Minimum Premiums Underwriting is focused on product type, usage, historical performance, and warranty terms. Customized solutions are available, and Personal Safeguards Group works closely with agents to structure appropriate coverage based on your client’s product offering and volume. Contact the team for underwriting criteria and premium thresholds. Territories and Availability This program is available nationwide, including in all 50 states and the District of Columbia. Coverage is offered on a non-admitted basis, providing flexibility in designing custom warranty solutions that fit your client’s risk profile and product lifecycle. Why Work With Personal Safeguards Group, LLC? Personal Safeguards Group, LLC brings niche expertise in extended warranties and product protection solutions. With a dedicated focus on complex and emerging technology products, they offer the insights and flexibility agents and brokers need to serve a broad range of commercial clients. From initial consultation to program design, the team is committed to responsive service, custom underwriting, and long-term partnership. Frequently Asked Questions What types of accounts are a good fit for this program?Manufacturers, distributors, and retailers of appliances, electronics, HVAC systems, medical devices, and smart technologies are strong candidates. How long can the warranty coverage extend under this program?The program allows for warranty coverage terms of up to 10 years for parts and/or labor, depending on the product type and underwriting review. Is this program available in all states?Yes, the Product Warranty Insurance Program is available in all 50 states and the District of Columbia. Can this program be tailored to match a client's existing warranty plan?Yes, Personal Safeguards Group specializes in custom solutions that align with your client’s existing warranty offering and business goals. What is the underwriting process like?Underwriting considers product type, volume, historical data, and warranty terms to provide a tailored solution. Agents should be prepared to submit detailed product and sales information. Need help placing an account? Connect with a market specialist.

A growing and highly competitive sector, the construction industry continues to see increasing demand for skilled contractors and tradespeople. Whether your clients are in roofing, drywall, electrical, carpentry, or another trade, their commercial vehicles are essential to daily operations. From job site transport to supply pickups and deliveries, these vehicles face constant exposure to risk. That’s why having the right Commercial Auto insurance coverage is not just important—it’s essential. Chenango Brokers, LLC offers a robust Commercial Auto insurance program tailored to the unique needs of contractors and similar industries. As a wholesale broker with deep industry knowledge, we understand the daily risks your clients face and the importance of reliable, flexible coverage. Our program is designed to support contractors, tradespeople, and other commercial operations that rely on transportation for their business success. Target Accounts and Ideal Classes We specialize in placing coverage for a wide range of business types within the construction and service sectors. Our appetite includes, but is not limited to: • Blacktop Paving • Carpentry • Carpeting • Concrete • Contract Carriers • Distributors • Drywall • Electrical • Framing • General Contractors • Household Movers – Up to 300 mile radius • HVAC • Janitorial/Cleaning • Landscaping • Masonry • Paper Contractors • Plumbing • Sidewalk Installation • Tile/Terrazzo • Wholesalers • Trucks up to 45,000 lbs *Higher weights available—contact us to discuss your needs If you’re working with a contractor who owns a small fleet of trucks or a distributor servicing a regional territory, our program can help you secure the appropriate coverage to meet their needs. Coverage Highlights and Additional Options Our Commercial Auto coverage is structured to protect your clients against the real-world exposures they face on the road every day. In addition to core auto coverage, we offer optional lines to help round out protection for your insureds: • Bonds • General Liability • Umbrella* • Workers Compensation *Please contact our office to confirm state availability for these coverages. Underwriting Process and Contracting We’ve streamlined our sign-up process for brokers, allowing us to approve most applications the same day we receive a completed form. While we can provide quotes before a broker is fully contracted, a signed agreement is required before binding coverage. For fast turnaround, our dedicated Commercial Auto underwriter, Dawn, can provide a quote in under 37 minutes. She’ll work with you to understand your client’s operations and tailor coverage recommendations accordingly. Availability and Market Access Chenango Brokers offers access to multiple carriers, giving us the flexibility to find competitive solutions across various risk profiles. Our Commercial Auto program is available in the following states: AZ, CT, FL, IL, MD, NV, NJ, NY, OH, PA, RI, VA, WA Some coverages are written on an admitted basis depending on the state. Please contact us to confirm availability and applicable markets in your client’s location. Why Partner With Chenango Brokers As a trusted wholesale broker, Chenango Brokers brings deep expertise in the construction and contractor space. Our team understands the complexity of these risks and works closely with agents to deliver tailored solutions that keep your clients protected and their businesses moving forward. Whether you're placing a new contractor's first commercial truck or a seasoned construction firm’s fleet, we’re here to support your success with fast quotes, responsive underwriting, and a broad market reach. Frequently Asked Questions What types of accounts are a good fit for this Commercial Auto program?Ideal accounts include contractors, distributors, and service providers in construction-related trades such as plumbing, HVAC, electrical, drywall, and more. We also write accounts with trucks up to 45,000 lbs and movers within a 300-mile radius. Can I get a quote before becoming appointed with Chenango Brokers?Yes, we can generate quotes before you're fully contracted. However, we cannot bind coverage until the contract is signed and returned. What states is this program available in?This Commercial Auto program is offered in AZ, CT, FL, IL, MD, NV, NJ, NY, OH, PA, RI, VA, and WA. Availability of additional coverages may vary by state. Are additional lines of coverage available?Yes, we offer Bonds, General Liability, Workers Compensation, and Umbrella coverage. Please contact us to confirm availability in your state. How quickly can I expect a quote?In most cases, we can provide a Commercial Auto quote in under 37 minutes once we have the necessary information about your client’s operations. Need help placing an account? Connect with a market specialist.