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Veracity Insurance Solutions, LLC offers an agent-focused Contractors General Liability Insurance program designed to meet the varied needs of contractors nationwide. As a Managing General Agency and Excess & Surplus Lines Broker, Veracity gives agents and brokers access to both admitted and non-admitted markets so you can place tailored solutions that fit your clients’ coverage needs and budgets. Whether you represent a new startup or an established contractor expanding operations, Veracity’s underwriting flexibility and market access help you place business efficiently and competitively. Our team specializes in contractor exposures and works with producers to structure terms that reflect each insured’s operations and risk profile. Ideal Accounts and Appetite This program fits a broad range of contracting businesses, from general contractors to specialty trades. We welcome new ventures and non-standard risks, and we can develop terms for accounts with additional exposures. Typical accounts include: Start-up residential contractors needing a low minimum premium and flexible coverage terms Established HVAC contractors expanding into multiple states and requiring higher umbrella limits Veracity can also craft solutions for more complex or unusual risks, including operations with pollution liability concerns or inland marine exposures. Coverage Highlights and Advantages Veracity’s program places business with "A" rated carriers and offers a range of features useful to agents and insureds: Nationwide availability (all 50 states and D.C.) Wide range of eligible contractor classes Low minimum premiums and deductible options for smaller contractors Occurrence and claims-made forms available Higher liability and umbrella limits where needed Both admitted and non-admitted paper, depending on state and risk Complementary lines are available to help you place a complete program: Pollution Liability, Business Owners Policy (BOP), Property and Inland Marine, E&O, D&O and more—so you can coordinate multiple exposures through a single wholesaler relationship. Underwriting Notes and Minimum Premiums Minimum premiums and final terms vary by class, location, and scope of work. Veracity’s underwriting team partners with producers to evaluate operations, recommend appropriate limits and endorsements, and tailor pricing to the account’s size and risk profile. Territories and Availability This contractors program is available in all 50 states and Washington, D.C. — if your client operates in multiple jurisdictions, Veracity’s licensing and carrier relationships support multi-state placements. Why Work With Veracity Insurance Solutions? Veracity combines deep contractor-market expertise with responsive service and broad market access. As an MGA and E&S broker, we solve placement challenges by offering flexibility in paper, access to multiple carriers, and underwriting that understands trade-specific exposures. We focus on long-term broker relationships and practical solutions that help you win and retain accounts. Example scenarios you might place through this program: A startup residential contractor needing basic general liability with a low minimum premium while they build payroll and revenue. An established mechanical contractor seeking higher umbrella limits and a coordinated placement for pollution and inland marine exposures as they expand into new states. To learn more or submit a risk, contact us at [email protected] or call 1-866-395-1308. Frequently Asked Questions What types of contractor classes does this program cover?The program covers a wide range of contractor types, including general contractors, electricians, plumbers, HVAC specialists, landscapers, and many other trades. Is this program available for new ventures?Yes. Veracity welcomes new ventures and offers flexible coverage options and low minimums designed to support start-up contractors. Are higher liability limits available?Yes. Higher liability and umbrella limits are available to meet the needs of larger or more complex accounts. Can this program be written on either admitted or non-admitted paper?Yes. Depending on the risk and state regulations, coverage can be placed through admitted or non-admitted carriers. Which states is this program available in?This program is available in all 50 states and Washington, D.C., providing nationwide access for your contractor clients. Need help placing an account? Connect with a market specialist.

...for manufacturers, distributors, researchers and service providers—helping ret...nd contractors Medical centers, research institutions and universities ...

VIP has developed exclusive insurance coverage forms to respond to the unique needs of the vape and e-cigarette industry. VIP is your vape insurance solution! The risks faced by vape retailers and manufacturers go far beyond standard exposures like slip-and-fall. Product malfunction claims, liability for e-liquid ingredients, and regulatory compliance issues are just a few of the complex challenges these businesses face—challenges that many carriers avoid. That’s where VIP steps in with a specialty solution designed for this evolving industry. Exclusive Vape Insurance Program from Veracity Insurance Solutions VIP, a division of Veracity Insurance Solutions, LLC, offers a specialized program tailored specifically for vape-related businesses. As a Managing General Agency and E&S Broker, VIP understands the nuances of this sector and provides comprehensive solutions to protect your clients and their operations. Ideal Accounts and Target Classes This program is designed for a wide range of vape-related businesses, including: Importers & Exporters Retailers and Vape Shops Mixers/Blenders of E-Liquids Manufacturers and Distributors Retail Stores with Vape Lounges Whether your client is a startup e-liquid blender or an established vape hardware importer, this program can accommodate a variety of business models. Coverage Highlights and Advantages VIP’s vape insurance program offers flexible and robust coverage options, including: Two policy forms to choose from Low minimum premiums starting at $2,500 Coverage through “A” rated carriers No health hazard exclusion for e-cig hardware or liquids Startups and new ventures eligible Property coverage available In-house underwriting for faster service General liability limits from $250,000 to $20 million Optional product recall and transit coverage Pollution liability coverage available These options help you protect clients from costly legal expenses and product-related liability claims that could otherwise threaten their business survival. Underwriting Notes and Minimum Premium With a minimum premium starting at $2,500, this program is accessible for both new and growing vape businesses. In-house underwriting allows for fast turnaround and personalized service. The program is written on a non-admitted basis using various carriers, giving you the flexibility to place challenging risks. Available Nationwide This program is available in most U.S. states, including: 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 Veracity Insurance Solutions Veracity Insurance Solutions has set a new standard in specialty insurance. With a strong focus on compliance, product knowledge, and responsive service, VIP delivers a seamless experience for agents and brokers. You’ll work with a team that values efficiency and is committed to protecting your clients' businesses during claims and beyond. This is where our Vape Insurance program comes in—offering specialized coverage and peace of mind for your clients in this unique industry. Frequently Asked Questions What types of accounts are a good fit for this vape insurance program?This program is ideal for vape shops, e-liquid manufacturers, importers, exporters, and distributors—including startups and new ventures. Is this coverage available in all states?The program is available in most U.S. states, including CA, NY, TX, FL, and many others. Contact us to confirm availability in your client’s state. Are startups or new vape businesses eligible?Yes, this program welcomes new ventures and startups, including first-time vape retailers or manufacturers. What liability limits are available?General liability limits range from $250,000 up to $20 million, with optional product recall and pollution coverage also available. Is there a health hazard exclusion in the policy?No, there is no health hazard exclusion for e-cigarette hardware or e-liquids, providing broader protection for your clients. Need help placing an account? Connect with a market specialist.