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...rs Compensation Program for Waste Haulers PMC Insurance Group offers a special...ram?Commercial and residential waste haulers (automated pickup only), construction waste haulers, recycling/salvage companies, and...

Septic tank contractors face unique liability exposures due to the nature of their work—often involving excavation, environmental risks, and specialized equipment. Novatae Risk Group offers a tailored General Liability Insurance program specifically designed to address the needs of small to mid-size septic tank contractors. Through our partnership with Empire Underwriters and a top-rated "A" carrier, we deliver a market that understands the real risks your clients face and offers meaningful protection at competitive pricing. Whether your client installs new septic systems or performs ongoing service and repairs, we provide access to coverage options that support their business operations and satisfy contractual requirements. Our streamlined submission process and experienced brokers make it easy for you to secure coverage that fits. Ideal Accounts and Appetite This program is designed for septic tank contractors with annual payrolls under $1,000,000. We have a strong appetite for: Septic tank installation (residential and light commercial) Septic system service and repair Eligible risks include new construction and remodeling projects for both residential and commercial properties, including single-family homes. We are not a market for new construction of condominiums, townhouses, or buildings over three stories—except in limited cases. Coverage Highlights and Advantages Blanket Additional Insured endorsements Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate limits Subsidence coverage (with limitations) Prior Projects coverage (with limitations) These coverage features help your septic tank contractor clients meet the requirements of general contractors, municipalities, and private property owners—while giving them peace of mind against costly liability claims. Underwriting Requirements and Minimum Premium Completed ACORD Applications 3–5 years of currently valued loss runs Supplemental Application Pollution – Project Specific Application Minimum premium starts at $1,500, depending on risk characteristics and state-specific factors. We write on both admitted and non-admitted paper, using carriers rated as high as A-XV. Available States This septic tank contractor 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, and WV. Why Work With Novatae Risk Group? As a trusted wholesale broker, Novatae Risk Group connects agents and brokers to specialized insurance solutions. With 30+ years of experience through Empire Underwriters and access to top-tier carriers, we bring deep industry insight and responsive service to every account. Our team understands the unique risks septic tank contractors face—and how to craft coverage that meets both underwriting guidelines and your client’s operational needs. Ready to quote? Send submissions to [email protected] or call 800-758-8113 to speak with our broker team directly. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-size septic tank contractors involved in installation, repair, or maintenance, with annual payrolls under $1,000,000. What are some common ineligible risks?We typically do not write new construction for condominiums, townhouse projects, or structures over three stories, except in limited cases. Is this program available on admitted paper?Yes, we offer both admitted and non-admitted options through carriers rated as high as A-XV, depending on the state and risk profile. What states is this program available in?We offer coverage in 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. What is the minimum premium?The minimum premium for eligible accounts starts at $1,500, subject to underwriting and state-specific factors. Need help placing an account? Connect with a market specialist.

...ents and brokers seeking reliable Workers Compensation Insurance markets. With...es are eligible for this program?Our Workers Compensation program is available in most US...

...erations Transfer stations Trash hauling operations Coverage Highlig... many medical waste handlers. Hazmat haulers can qualify with 25+ power units,...

...Transit Vehicles Water Haulers Trash/Garbage Hauling Companies Beverage ...

LET CMS PUT THE PIECES TOGETHER FOR YOU!!! CMS, LLC offers a comprehensive Pollution Liability Insurance program designed to meet the needs of agents and brokers placing environmental and pollution-related risks. Whether your client is a contractor, consultant, manufacturer, or distributor, we provide access to flexible, non-admitted solutions backed by multiple carriers. Overview of the Program From CMS Our Pollution Liability Insurance program includes General Liability, Contractors Pollution Liability, Professional Liability, and Environmental Impairment Liability. These coverages are available on a package or standalone basis, making it easy to tailor solutions to fit your client’s operations and exposures. Ideal Accounts and Appetite We target a wide range of businesses involved in environmental operations or with pollution-related risks, including: Environmental and abatement contractors and consultants General and trade contractors with pollution exposures Manufacturers and distributors seeking product, site, or contractor pollution coverage Environmental consultants (excluding disaster restoration contractors) For example, if you have a client who handles asbestos or mold remediation, or a manufacturer concerned about site contamination, we can help you place that business quickly and efficiently. Coverage Highlights and Advantages General Liability (GL): Designed for environmental contractors and those needing products pollution or site pollution coverage. Contractors Pollution Liability (CPL): Coverages include lead, asbestos, mold remediation, and pollution liability during transportation. Professional Liability (PL): Coverage for environmental consultants for errors and omissions, excluding disaster restoration operations. Environmental Impairment Liability (EIL): Available on request, tailored to site-specific exposures. Coverage Basis: Offered on either Occurrence or Claims-Made forms. Limits Available: Up to $10,000,000 per occurrence / $10,000,000 aggregate. Underwriting Notes and Minimum Premiums Minimum premiums start at $2,500 for a standard term or $4,000 for a two-year policy term. Submission requirements include a completed Acord application, program supplement, and current loss runs. Submissions can be emailed to [email protected] or [email protected], or faxed to (516)799-8602. Territories and Availability This program is available in the following states: New York (NY), New Jersey (NJ), Connecticut (CT), Pennsylvania (PA), and Florida (FL). All products are provided on a non-admitted basis, giving you the flexibility to serve hard-to-place risks. Why Work With CMS on This Business As a wholesale broker with access to a variety of environmental markets, CMS, LLC is positioned to support agents and brokers with fast, knowledgeable service. We understand the complexity of environmental exposures and can help you secure tailored solutions for your clients. Whether your client is a small contractor or a large manufacturer, we’ll help you put the right pieces together. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for environmental contractors, general and trade contractors with pollution exposures, environmental consultants, and manufacturers or distributors requiring pollution-related coverage. Is this program available on an admitted basis?No, all coverages are offered on a non-admitted basis through various carriers. Which states is this program available in?The Pollution Liability Insurance program is currently available in NY, NJ, CT, PA, and FL. What are the minimum premium requirements?Minimum premiums begin at $2,500 for a standard term and $4,000 for a two-year policy term. What documentation is needed to submit a risk?Submissions require a completed Acord application, a program-specific supplement, and current loss runs. Need help placing an account? Connect with a market specialist.