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...Safety Indemnity Company’s Storage Tank Pollution Insurance program. We manage...to submit a risk?We typically require tank schedules, site maps, age and construction details of the tanks, prior loss history, and any relev...

Comprehensive Coverage for Artisan Contractors Including New Residential Projects Continental Risk / Continental Marine Insurance Services offers a robust insurance solution tailored for artisan contractors, including those working in new residential construction. This program is designed specifically for agents and brokers seeking comprehensive coverage options for small to mid-sized contractors across a wide range of trades. Ideal Accounts and Target Classes This program is well-suited for residential and commercial artisan contractors across more than 30 classes. Target trades include: HVAC contractors Electricians Plumbers Carpenters Painters Small general contractors (GCs) New ventures are considered, and the program is also flexible in handling accounts that include up to 50% subcontracting costs. This makes it ideal for insureds managing their own teams while occasionally subcontracting for specialized services. Coverage Highlights and Program Advantages Continental Risk’s Artisan Contractors program includes key coverage enhancements designed to meet the needs of today’s contracting businesses: Blanket Additional Insured endorsements (CG2033 & CG2037) Primary and non-contributory wording Waiver of subrogation available No prior works exclusion No subsidence exclusion No sunset clause or manifestation clause Per Project Aggregate limits Coverage available for accounts with up to $10 million in annual sales These features provide strong protection for your clients in a competitive market, helping them meet contract requirements and protect against common project-related exposures. Underwriting Notes and Minimum Premium The program is available on a non-admitted basis, offering flexible underwriting for hard-to-place or emerging risks. The minimum premium for this program starts at $3,000, making it accessible for both established businesses and qualified startups. Submissions with subcontracting exposures, residential new construction, and high-limit needs are welcomed, provided they meet the overall underwriting guidelines. Territories and Availability This program is available in various states through Continental Risk / Continental Marine Insurance Services. Please contact the team directly to confirm availability in your client’s location and to discuss any state-specific underwriting considerations. Why Work With Continental Risk / Continental Marine Insurance Services? With deep expertise in contractor risks and access to specialty markets, Continental Risk / Continental Marine Insurance Services provides agents and brokers with dependable solutions for artisan contractors. Their flexible approach to underwriting and commitment to comprehensive coverage make them a valuable partner for placing both common and challenging contractor accounts. Whether you have a first-time electrician launching their own business or a small general contractor handling a mix of residential and commercial jobs, this program offers the flexibility and protection your clients need to operate with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for artisan contractors such as electricians, HVAC techs, plumbers, painters, and small general contractors, including those working on new residential construction. Are new ventures eligible for coverage?Yes, new ventures are eligible. The program welcomes startup contractors that meet other underwriting criteria. Can the program handle subcontracting exposures?Yes, accounts with up to 50% subcontracting costs are considered, provided subcontractors carry appropriate insurance and meet program guidelines. What exclusions are not present in this program?This program does not include prior works, subsidence, sunset, or manifestation exclusions, offering broader protection for your insureds. Is this program admitted or non-admitted?This is a non-admitted program, allowing for greater flexibility in underwriting and coverage customization. Need help placing an account? Connect with a market specialist.

..., Painters, Drywallers, Plumbers, Septic Tank Cleaners, HVAC Technicians, Appliance Install...

...ofing Contractors Septic Tank Cleaners Sewer Contractors ...

Carpet cleaning companies face unique liability exposures due to the mobile nature of their work. Whether operating in residential homes or commercial properties, these businesses are at constant risk for third-party bodily injury, property damage, and other unforeseen liabilities. A single slip-and-fall incident, chemical mishap, or accidental damage to high-value property can result in substantial claims. Novatae Risk Group, through its partnership with Empire Underwriters, offers a specialized General Liability Insurance program for Carpet Cleaning Services. Designed specifically for small- to mid-sized cleaning contractors, this program helps protect your insureds from the daily risks they encounter on the job—so they can focus on running their business with peace of mind. Ideal Accounts and Program Appetite This program is an excellent fit for: Commercial carpet cleaning companies Residential carpet cleaning businesses Contractors with less than $1,000,000 in annual payroll You might have a client who operates a small fleet of vans servicing office buildings, or a local residential cleaning company expanding into new neighborhoods—this program is built to support them. Coverage Highlights and Advantages Key coverage options available through this program include: Blanket Additional Insured endorsements Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate limits Limited Subsidence coverage Coverage for Prior Projects (with limitations) These features help meet the insurance requirements of property managers, commercial landlords, and other third parties your clients work with regularly. Underwriting Notes and Minimum Premiums To submit a risk, please provide: Completed ACORD applications 3 to 5 years of currently valued loss runs Supplemental application Project-specific pollution application (if applicable) Minimum premium starts at $1,500, making this a competitive option for smaller operations looking for quality protection. Territories and Carrier Access This General Liability program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, WV. Novatae Risk Group offers access to both admitted and non-admitted markets, using carriers rated as high as A-XV. This flexibility allows for customized solutions based on your client’s risk profile and state-specific requirements. Why Work With Novatae Risk Group? As a wholesale brokerage with deep expertise in contractor and service-based risks, Novatae Risk Group helps agents place challenging and niche accounts with confidence. Our experienced brokers understand the exposures of carpet cleaning businesses and work diligently to provide fast, reliable quotes and coverage recommendations. Have a Carpet Cleaning General Liability risk to place? Call us at 800-758-8113 to speak with a knowledgeable broker, or email your application to [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?Small to mid-sized residential and commercial carpet cleaning businesses with less than $1,000,000 in annual payroll are ideal risks for this program. What coverages are included in the program?The program offers General Liability with options such as Blanket Additional Insured, Waiver of Subrogation, Primary and Non-Contributory, and Per Project Aggregate limits. What underwriting information is required to submit a risk?Required submission documents include ACORD applications, 3–5 years of currently valued loss runs, a supplemental application, and a project-specific pollution application if applicable. Is coverage available in my state?The program is available in over 25 states including CA, FL, TX, GA, and IL. Contact us to confirm availability for your specific state. What is the minimum premium for this program?The minimum premium starts at $1,500, making it accessible for smaller carpet cleaning operations. Need help placing an account? Connect with a market specialist.