Search CompleteMarkets

...tions (CIS) platform. Built for residential and commercial artisan contractors...e accepted on a referral basis. Are umbrella or excess liability limits available?Yes—umbrella limits are available up to $25 mi...

...al subcontracting, or specialty residential work, this program delivers the ad...lear loss runs, contracts, and lead umbrella policy details for the fastest re...

...et waiver of subrogation No residential exclusions Commercial Auto ...ors working in both commercial and residential sectors. How quickly can I get ...

...ractors who perform the work on residential and commercial accounts across the...to $3,000,000 occurrence/aggregate, umbrella/excess up to $25,000,000, blanket...

Continental Risk / Continental Marine Insurance Services offers a focused Architects and Engineers (A&E) Insurance program that helps agents place reliable professional liability protection for design professionals. We understand the exposures A&E firms face — from alleged design errors and construction-phase claims to regulatory and disciplinary actions — and we deliver admitted coverage in most states through our carrier relationships and underwriting expertise. Our program is designed for agents and brokers who need flexible, market-ready solutions for small firms up to large consultancies. We provide access to competitive admitted markets in most states, options for project-specific excess limits, and policy features that address evolving risks such as green building, BIM services, and international project exposures. Ideal Accounts and Appetite This A&E program is a fit for a broad range of design professionals, including: Architects and architectural firms Civil, structural, electrical, and mechanical engineers Landscape architects and land surveyors Interior designers and urban planners LEED-certified professionals and firms using BIM technology We consider both start-ups and established practices. Accounts with green building projects, sustainable design elements, or complex multi-jurisdictional work match the program well. We also welcome clients returning from other carriers — loyalty credits may apply for certain renewals previously written with markets like Markel. Example placements you might bring: A mid-size civil engineering firm performing municipal infrastructure design with occasional international consulting assignments. An architectural studio specializing in LEED-certified multifamily projects that needs admitted coverage and available project-specific excess limits. Coverage Highlights and Advantages Key features agents can offer through this program include: No pollution exclusion — coverage can be available for claims involving pollution-related liabilities. Worldwide coverage — protection extends to international projects and exposures where admitted placement is acceptable. Broad definition of professional services — includes Green, LEED, and BIM-related services. Excess limits — additional limits can be placed for specific designated projects. Supplementary payments — standard supplementary payments are included. Regulatory and administrative actions — coverage up to $25,000 for ADA, FHA, OSHA and similar matters. Loss of earnings and expenses — up to $500/day, $15,000 total. Subpoena and record request coverage — up to $5,000. Professional license and disciplinary proceedings — up to $50,000. Underwriting Notes and Minimum Premiums Minimum premiums and terms depend on the firm’s scope of services, annual revenue, project types, and claims history. Underwriters assess exposures such as construction-phase services, contract wording, and international work when quoting. We can consider excess capacity and project-specific limits for higher-value placements. Territories and Availability Admitted coverage is available in most states. This program is currently offered in: 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 Work With Continental Risk / Continental Marine Insurance Services? As an experienced excess & surplus lines broker, Continental Risk / Continental Marine Insurance Services pairs specialized underwriting knowledge with broad market access for design professionals. Agents benefit from responsive service, pragmatic underwriting tailored to A&E exposures, and the ability to place both standard and complex risks. Whether your client is expanding into sustainable construction, managing multi-state projects, or seeking project-specific excess limits, our team can help you identify appropriate admitted markets and craft policy terms that address the client’s professional exposures. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for architects, engineers, LEED-certified professionals, and firms involved in sustainable design or complex projects. Is coverage available in all states?Admitted coverage is available in most U.S. states, including major markets such as CA, TX, NY, and FL. Are project-specific excess limits available?Yes. We can place excess limits tailored to designated projects when higher coverage amounts are required. Does the policy cover regulatory and administrative actions?Yes. Coverage of up to $25,000 is available for certain administrative matters involving ADA, FHA, OSHA, and similar regulations. What makes Continental Risk a strong partner for A&E insurance?We provide market access, underwriting expertise, and tailored coverage solutions specifically for architecture and engineering firms, with responsive service for both routine and complex placements. Need help placing an account? Connect with a market specialist.

... in: Landscape Services: Residential and commercial landscaping, snow r...ligible janitorial classes include residential and commercial interior cleanin...

Can an employee sue their employer for an injury sustained on the job? Are all job related injuries covered under a Workers Compensation policy? As an employer can they tell their employee not to file a claim? There are many ins and outs when it comes to Workers Compensation and can be very complex. It can get frustrating trying to get a policy that will provide the comprehensive coverage needed to protect the employer and employees so it seems easier to avoid it all together. Unfortunately, it can’t be avoided; Workers Compensation is a state mandated requirement for most businesses, so if a business is booming and growing with employees, there is no avoiding coverage. We have partnered with carriers providing Workers Compensation to many types of insureds. These markets are designed to help agents and their clients manage, reduce and control the costs of insurance. Product Highlights: • New Ventures • Multi-State locations • Small and Large Accounts • Higher Mods Considered • All States • Flexible Product and Pricing Approach • Quick Turnaround • A- Rated Carriers • Competitive Markets Target Classes Include: • Restaurants • Artisan Contractors • Janitorial – Building Management • Professional Services Industry • Day Care Centers • Beauty Shops • Machine Shops • Wholesale and Retail Trade • Home Healthcare • Auto Service and Repair/Car Dealers • Hotel and Motels • Landscaping • Manufacturers • Communities and Utilities • Construction/Excavators • Specialty Trade Contractors • Masonry and Concrete Work • Truckers and Transportation (in limited states) Submission Requirements: • Accord 130 Application • 3 Years Loss Runs • Historical Premium • Experience Mod Worksheet • Broad Description of Operations We understand the complexity and knowledge needed for this coverage and our team of experts can provide the service to agents and their clients for Workers Compensation needs. Please contact us today!

Environmental Insurance Coverage — Cochrane & Company Cochrane & Company places hard-to-place environmental risk using broad market access and specialist underwriting. Our Environmental Insurance Coverage program helps you place contractors, restoration firms, manufacturers of environmental/industrial products, tank owners, dry cleaners and other accounts with pollution exposures. We work with multiple A-rated carriers and can assemble primary and excess solutions — including supported and unsupported excess — to match client needs. Overview of the Program This program supports Environmental Contractors General Liability, Pollution Liability, and Professional Liability. It also covers restoration contractors (fire/water damage, mold remediation, water extraction, air duct cleaning), environmental & industrial products (GL, products pollution, site pollution), storage tanks, dry cleaners, environmental auto, on-site and off-site site pollution exposures (including BI/PD), and environmental excess liability. Capacity is available up to $10,000,000 on excess layers. Ideal Accounts and Appetite Environmental contractors performing remediation, site work, or contracting services with pollution exposures. Restoration firms handling water/fire/mold jobs and requiring pollution and professional liability protection. Manufacturers/distributors of environmental or industrial products needing products pollution and site pollution coverage. Owners/operators of storage tanks, fuel handling locations, and dry cleaners. Fleets and autos where broadened pollution or MCS-90 filing is required (auto must be written with GL). Accounts that typically fit: firms with documented loss controls, trained remediation crews, stable revenue profiles, and manageable historic pollution claims. Accounts with ongoing large-scale environmental cleanup orders or complex legacy contamination may require specialized underwriting and additional site information. Coverage Highlights and Advantages Multiple cover types: General Liability, Contractors Pollution, Contractors Professional, Mold, Premises Pollution, Non-Owned Disposal Site, Transportation Pollution, and Auto Liability with broadened pollution endorsements. Excess placement up to $10,000,000 — supported and unsupported options depending on the account. Access to a panel of A-rated carriers (markets vary by account) through Cochrane & Company’s MGA relationships. Flexible solutions for on-site and off-site cleanups, including business interruption and property damage exposures tied to pollution events. MCS-90 filings available when auto is bound in conjunction with GL. Underwriting Notes and Minimum Premiums Underwriting focuses on the scope of operations, history of pollution claims, environmental controls, contracts and indemnity language, and the presence of professional services exposures. Standard submission materials include client applications, loss runs, scope-of-work documentation, and any environmental assessments or protocols relevant to the account. Minimum Premiums: Starting at $2,500.00. Final pricing, terms and availability depend on class, limits, prior loss history, and territory. Territories and Admitted Status Available in: AK, AZ, CA, CO, ID, MT, NV, NM, ND, OR, SD, UT, WA, WY. This program is placed through non-admitted markets; admitted availability is not indicated. Specific state rules and filings may apply — underwriters will confirm on a per-account basis. Why Work With Cochrane & Company Cochrane & Company offers specialist underwriting insight, daily market access, and experience placing complex environmental risks. We can tailor programs that combine GL, pollution, and professional products with excess capacity when needed. If you have a challenging environmental placement, our brokers can package submissions for multiple carriers to secure competitive terms. Example Accounts A mold remediation contractor performing commercial restorations seeking combined Contractors Pollution and Professional Liability with limits and endorsements for scope-of-work operations. An industrial products manufacturer requiring products pollution and premises pollution coverage after a product-related contamination claim, looking for primary limits plus excess capacity. Please contact your dedicated Cochrane & Company broker to tailor an environmental insurance coverage solution for your client. Cochrane & Company can access multiple A-Rated carriers on your behalf — call us for more information. Frequently Asked Questions What types of accounts are a good fit for this Environmental Insurance program?Good fits include environmental and restoration contractors, manufacturers or distributors of environmental/industrial products, storage tank owners, dry cleaners, and fleets with pollution exposures. Ideal accounts have documented controls, manageable loss history, and clear scopes of work. What minimum premium and limits should I expect?Minimum premiums start at $2,500.00. Limits are account-specific; excess capacity is available up to $10,000,000. Final pricing and available limits depend on class, loss history, and underwriting review. Are these placements admitted or non-admitted?This program is placed through non-admitted markets (no admitted filings indicated). State availability and filing requirements will be confirmed during underwriting. What submission information do underwriters typically require?Provide a completed application, recent loss runs, description of operations/scope of work, any environmental assessments or protocols, and relevant contracts or indemnity language. Additional site or project details may be requested for large or complex risks. Is MCS-90 available for accounts with auto exposure?Yes — broadened pollution endorsements and MCS-90 filings are available when Auto Liability is written in conjunction with General Liability. Underwriters will confirm specific filing requirements per state and account. Need help placing an account? Connect with a market specialist.

Program Highlights for Personal Umbrella Insurance: Colonial General Insuranc...10 million. Both primary and excess umbrella options are available depending o...

...tracted work Good fits include residential electricians, HVAC installers (non...vailable up to $1M/$2M, with excess/umbrella up to $5M. Property and equipment...