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Policy Highlights: Colonial General Insurance Agency, Inc. offers property and liability coverages on a mono-line or package basis for contractors who perform excavation and land grading operations. This program is tailored to contractors and operators engaged in site preparation, lot grading, trenching and similar earthwork. It is not intended for public street or road construction, mining operations, installation or removal of underground tanks, landfills, dam or tunnel construction, or snow removal operations. Overview of the Excavation Insurance Program from Colonial General Insurance Agency, Inc. This program provides flexible solutions for agents placing excavation and grading risks. Available through Colonial General as a managing general agent and excess & surplus lines broker, the program offers both property and commercial general liability coverages with admitted and non-admitted market access depending on the state and risk profile. Carriers vary by account and there are selective admitted markets where available. Ideal Accounts and Appetite Small to mid-sized excavation and grading contractors Operators performing site work for residential and commercial developments (excluding public road or heavy civil projects) Contractors that own and operate their equipment and require contractor's equipment coverage Accounts needing package solutions combining property, equipment, and liability limits Typically not a fit: large heavy civil contractors, mining, tunnel or dam work, landfill operators, underground tank removal projects, public street/road construction, or snow removal operations. Coverage Highlights and Advantages Coverage options are designed for placement flexibility and include: Property Coverage available for excavation insurance: • Accounts Receivable • Basic, Broad, or Special Form • Building • Business Income • Business Personal Property • Computer Equipment • Contractor's Equipment • Equipment Breakdown • Outside Signs • Replacement Cost or Actual Cash Value • Valuable Papers Commercial General Liability Coverage available: • Primary limits up to $3 million occurrence and aggregate • $5,000 Medical Payments Coverage—Included • Additional Interests—$100 each • Excess or Umbrella limits up to $25 million • $1,000 minimum deductible required Crime Coverage available: • Inside the Premises—Theft of Money and Securities • Inside the Premises—Robbery or Safe Burglary of Other Property • Outside the Premises Underwriting Notes and Minimum Requirements Minimum deductible: $1,000 (as a program requirement for liability placement). Limits: primary GL available up to $3M with umbrella/excess options to $25M—subject to carrier approval. Underwriting focuses on experience, loss history, scope of operations, equipment values, and site-specific exposures (e.g., shoring, trenching near utilities). Submission requirements typically include contractor’s application, loss runs, equipment schedule, and a description of operations and project types. Territories and Availability Available in AZ, CA, CO, ID, NV, NM, UT, and WY. Some coverages are offered through admitted markets where available; other placements may be written non-admitted depending on state and carrier appetite. Why Work With Colonial General on Excavation Business Specialized underwriting for excavation and grading contractors through an experienced MGA/E&S broker. Package capability to combine property, equipment, crime and liability coverages for a more complete placement. Access to multiple carrier markets to secure competitive limits, including umbrella/excess follow-form options. Practical appetite guidance to help you avoid non-fit accounts and improve placement speed. Sample accounts that fit this program A residential site contractor performing grading, pad preparation and utility trenching for single-family lots with owned compactors, excavators and skid steers. A commercial site work subcontractor hired for earthmoving and drainage installation on a shopping center project (non-public road work), requiring contractor’s equipment and GL limits with an umbrella. Submission Tips Provide a detailed operations description and equipment schedule up front. Include five years of loss runs when available and explain any recent large losses. Identify any subcontracted work and whether the insured performs utility excavation or trench shoring. Note project types that are excluded by the program (public roads, mining, tunnels, landfills, etc.) to avoid delays. Frequently Asked Questions What types of excavation contractors are a good fit for this program?Contractors focused on site preparation, lot grading, trenching and general earthwork for residential and commercial projects (not public road or heavy civil work) are the primary fit. Those who own and operate their equipment and have manageable loss history are preferred. What limits and deductibles can I expect to place?Primary GL limits are available up to $3 million (occurrence and aggregate) with excess/umbrella capacity to $25 million. The program requires a $1,000 minimum deductible for liability; specific deductible and limit combinations depend on carrier underwriting. Are there operations or exposures that this program will not accept?Yes. Typical exclusions include public street/road construction, mining, tunnel or dam construction, landfills, underground tank installation/removal, and snow removal operations. Large heavy civil or specialty hazardous operations are also outside the appetite. What documentation should I include with a submission?Provide a completed application, current equipment schedule, five years of loss runs, and a clear description of operations and project types. Notes on subcontractor use and safety/shoring procedures help expedite underwriting. Is this program admitted in all states listed?Colonial General places coverage through admitted markets where available and uses non-admitted markets as needed. Availability varies by state—AZ, CA, CO, ID, NV, NM, UT and WY are served by the program. Need help placing an account? Connect with a market specialist.

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Excavation Insurance Program from Joseph Distel & Co. Inc. Joseph Distel & Co. Inc., through The Distel Group, offers a specialized Excavation Insurance program designed for excavation and land grading contractors operating with heavy equipment and operators. This program meets the unique property and liability needs of excavation businesses and is available on a monoline or package basis to provide flexible protection for your clients. Ideal Accounts and Appetite This program is tailored for contractors engaged in excavation and grading of land—particularly those working on private/commercial land development and site preparation. It is not designed for higher-risk operations such as: Public street or road construction Mining operations Installation or removal of underground tanks Landfill management Dam or tunnel construction Snow removal services If you have clients operating backhoes, trenchers, or bulldozers for site clearing or grading work, this program offers a smart market solution. Coverage Highlights and Advantages Property Coverage Options Include: Buildings Business Personal Property Business Income Broad, Basic, or Special Form Actual Cash Value or Replacement Cost Accounts Receivable Computer Equipment Contractor’s Equipment Equipment Breakdown Outside Signs Valuable Papers General Liability Coverage (CGL): Primary limits up to $3 million occurrence/aggregate $5,000 Medical Payments Coverage included $100 each for Additional Interests Excess or Umbrella limits up to $25 million Crime Coverage Options: Theft of Money and Securities Inside the Premises Robbery or Safe Burglary of Other Property on the Premises Theft Outside the Premises Underwriting Notes and Minimum Premiums A $1,000 minimum deductible applies to this program. The minimum premium starts at $750, making it accessible for small to mid-sized contractors. The program supports a broad range of property and liability exposures, but underwriting focuses on land-based excavation and grading with operator services. Territories and Market Access This program is available in the following New England states: Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont. Coverage is placed with a variety of carriers, with most options available on an admitted basis. Why Work with The Distel Group As a Managing General Agency and Excess & Surplus Lines Broker, The Distel Group offers deep expertise in construction-related risks. Their streamlined online quoting platform, Strategic Technologies & Agency Rating (STAR), enables you to get comparative quotes quickly and efficiently. Whether you're placing business for a startup excavation contractor or a well-established grading operation, you can rely on The Distel Group for responsive service and competitive market access. Use http://mgastar.com to get started with online quoting today, or contact The Distel Group directly to discuss your Excavation Insurance submissions. Frequently Asked Questions What types of accounts are a good fit for this Excavation Insurance program?This program is ideal for contractors specializing in excavation and grading of land with equipment and operators, particularly those involved in site prep and land development projects. What types of operations are excluded from this program?The program does not cover public road construction, mining, underground tank work, landfills, dam or tunnel construction, or snow removal services. Is the coverage available on an admitted basis?Most available markets for this program are on an admitted basis, depending on the specific risk and state. What is the minimum premium for this program?The minimum premium starts at $750, with a required $1,000 deductible for most accounts. In which states is this program available?Coverage is currently available in Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont. Need help placing an account? Connect with a market specialist.

Excavation & Grading of Land Insurance Program from Cochrane & Company Dig into new opportunities with Cochrane & Company's Excavation & Grading of Land Insurance program. Designed specifically for excavation and grading contractors operating with equipment, this program offers flexible coverage options on either a monoline or package basis. Whether your client is a small contractor or a larger excavation firm, Cochrane & Company provides tailored solutions to meet their unique risks and exposures. Ideal Accounts and Appetite This program is ideal for contractors engaged in site preparation, grading, trenching, and general excavation work. Target accounts include operators specializing in land clearing, grading for foundations, and utility trenching. Please note that this program is not intended for any of the following operations: Public street or road construction Mining operations Installation or removal of underground tanks Landfills Dam or tunnel construction Snow removal operations If you have clients working in general land excavation or site prep for residential or commercial development, they are likely a strong fit for this program. Coverage Highlights and Advantages Property Coverage: Building Business Personal Property Business Income Basic, Broad, or Special Form Replacement Cost or Actual Cash Value Accounts Receivable Computer Equipment Contractor's Equipment Outside Signs Valuable Papers Commercial General Liability: Primary limits up to $3 million occurrence/aggregate $5,000 Medical Payments Coverage – Included Additional Interests – $100 each Excess or Umbrella limits up to $25 million $1,000 minimum deductible required Crime Coverage: Coverage for theft of money and securities inside the premises Robbery or safe burglary of other property Coverage also available outside the premises Underwriting Notes and Minimum Premiums Minimum premiums vary depending on account size, operations, and coverage selected. A $1,000 deductible is required on liability coverages. Cochrane & Company underwrites each submission with attention to detail, ensuring appropriate coverage for each risk. Territories and Availability This program is available in the following states: AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Coverage is written on a non-admitted basis with access to a range of carriers. Why Work with Cochrane & Company? Cochrane & Company is a trusted Managing General Agency (MGA) with a deep understanding of contractor insurance needs. With access to multiple markets and a strong focus on excavation and grading contractors, they provide responsive service and flexible underwriting to help agents place hard-to-insure or niche risks confidently. Whether your client is grading land for residential development or performing trenching for utility installation, Cochrane & Company is ready to help you find the right solution. For more information about Excavation & Grading of Land Insurance, please feel free to contact us! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for contractors involved in land grading, site excavation, trenching, and site preparation services that do not involve public roads, underground tanks, or mining operations. Is this program available on an admitted basis?No, the Excavation & Grading of Land Insurance program is written on a non-admitted basis in all available states. Which states is this program available in?This program is offered in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Can I package property and liability coverages together?Yes, the program allows for both monoline and package policy structures, giving you flexibility to meet your client’s needs. What is the minimum deductible for liability coverage?The minimum deductible required for liability coverage is $1,000. Need help placing an account? Connect with a market specialist.

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Railroad Protective Liability Insurance Alexander J. Wayne & Associates, Inc. offers a focused Railroad Protective Liability Insurance program designed for agents placing contractor work near railroad property. This program makes it straightforward to provide the railroad with the liability protection it requires when contractors are performing work adjacent to tracks, bridges, tunnels, signal houses and other railroad-owned facilities. Overview of the Program from Alexander J. Wayne & Associates Our Railroad Protective Liability product is written to benefit the railroad as the named insured and is typically paid for by the contractor. It responds to bodily injury, third-party property damage, and physical damage to railroad property arising from the contractor’s operations—commonly within 50 feet of the tracks. Alexander J. Wayne & Associates places this business through admitted capacity with major markets including Lexington and Zurich, and we provide both primary and excess solutions. Coverage Highlights and Advantages Simple, one-page application to speed placement and binding. Fast, responsive underwriting and servicing tailored for wholesale brokers. Standard limits $2,000,000 / $6,000,000 with higher limits available. Primary or excess coverage available with capacity up to $100,000,000. Minimum premium typically starts at $4,500—flexible for a wide range of project sizes. Covers both first-party and third-party liability exposures to the railroad named insured. Ideal Accounts and Appetite This program is a strong fit when you represent contractors, utility companies, municipal agencies, or engineering firms performing work adjacent to active railroad property. Typical examples include: A construction contractor installing conduit or fiber optic cable crossing under tracks. A bridge repair crew performing maintenance on or near a railroad bridge. A municipal crew conducting signal or grade crossing improvements within the railroad right-of-way. Accounts that generally fit: short-term project work near tracks, routine maintenance and installation projects, small-to-large construction jobs requiring the railroad to be an insured party. If work extends well beyond the railroad right-of-way or involves unusual operations not directly related to the railroad, consult underwriting for acceptability. Underwriting Notes and Minimum Premiums Application: one page; include details of the scope of work, distance to track, and project duration. Limits: standard $2M/$6M; higher limits and excess towers available up to $100M capacity. Minimum premium: commonly $4,500, but final premiums depend on exposure, limits, and territory. Admitted availability varies by state—contact our desk for admitted vs. non-admitted options in a specific jurisdiction. Territories and Availability Program availability includes a wide roster of states and territories. Because admitted status and market capacity can differ by state, please confirm availability for the specific state where the work will occur. Alexander J. Wayne & Associates can advise on admitted placement where available and non-admitted or excess solutions when needed. Why Work With Alexander J. Wayne & Associates As a wholesale broker, Alexander J. Wayne & Associates combines fast turnaround, streamlined paperwork, and access to established markets (including Lexington and Zurich) to help you place standard and hard-to-place railroad protective liability risks. Our team is experienced in the unique requirements railroads ask for, and we can help structure primary or excess placements to meet both the railroad’s requirements and your contractor client’s needs. Call Alexander J. Wayne & Associates today to discuss standard or complex Railroad Protective Liability placements and to get a quick quote for your client’s next project. Frequently Asked Questions What types of projects are a good fit for this Railroad Protective Liability program?Short-term construction, maintenance, utility installation, and bridge or signal work located adjacent to railroad property are ideal. Projects where the railroad will be named as an insured and the contractor wants the railroad’s protection are typical fits. What limits and capacity are available?Standard limits are $2,000,000 / $6,000,000. Higher limits and excess capacity are available, and the program can place primary or excess layers with aggregate capacity up to $100,000,000, subject to underwriting. How quickly can you bind coverage and what is required to submit?We use a one-page application to speed the submission process. Binding times are often quick; provide scope of work, project location and duration, and the railroad’s insurance requirements to start underwriting. Is this coverage available admitted in all states?Admitted availability varies by state. Alexander J. Wayne & Associates can advise whether admitted or non-admitted placement is appropriate for the state where the work will be performed. Who pays for the Railroad Protective Liability policy?Typically the contractor procures and pays for the policy, but the railroad is the named insured and the policy exists to protect the railroad against liability from the contractor’s operations. Need help placing an account? Connect with a market specialist.

Construction & Contractors Insurance Program from Kaigler & Company Kaigler & Company offers a flexible construction and contractors insurance program available nationwide. Designed for accounts that are difficult to place in standard markets, the program pairs experienced underwriting with access to multiple specialty carriers to help you place complex or high-hazard construction risks with confidence. Ideal Accounts and Appetite This program fits both general and trade contractors, especially those that need a specialized market. Typical guidelines include: General contractors with substantial subcontracting (up to 95% subcontracted work) Trade contractors with limited subcontracting (generally up to 20%) Heavy construction and infrastructure contractors with elevated hazard profiles Target classes include roofing, structural steel erection, bridge/street/road and pipeline construction, excavation, millwright services, marine and wet work, cranes and rigging, and high-steel operations. Kaigler & Company will consider both small town trades and large infrastructure contractors when their exposures match the carrier appetites. Coverage Highlights and Advantages The program emphasizes primary general liability and umbrella/excess capacity tailored to construction exposures. Working with multiple carriers allows underwriters to customize limits, endorsements, and terms for operations involving hot work, work at elevation, over-water exposures, heavy equipment, or other elevated hazards. Examples of accounts that may be a good fit: A roofing contractor with prior claim activity that needs a market for renewal. A bridge contractor performing work over water that requires coordinated GL and excess limits. Underwriting Notes and Minimum Premiums Kaigler & Company focuses on “semi-tough” accounts—those that were declined or limited in standard markets but remain insurable with specialized underwriting. Artisan and tradesmen submissions generally begin at a minimum premium of $5,000. Underwriters are comfortable with detailed submissions that include loss runs, safety programs, and subcontractor oversight practices. Territories and Availability The program is available in all 50 states and the District of Columbia. Kaigler & Company can place business in coastal, inland, and remote regions by leveraging non-admitted capacity where appropriate. Why Work With Kaigler & Company? Kaigler & Company combines construction-specific underwriting expertise with access to multiple specialty markets. Their flexible approach and non-admitted options give agents more ways to place higher-risk or unusual accounts. If you need a market for complex construction exposures, Kaigler & Company aims to provide practical solutions and responsive service. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for general and trade contractors, including those with higher-risk operations such as roofing, steel erection, marine work, and infrastructure construction. Is this program available in all states?Yes. Kaigler & Company offers this construction program in all 50 states and the District of Columbia. What is the minimum premium for this program?Tradesmen and artisan contractor accounts generally start at a minimum premium of $5,000. Does the program accept accounts with a high percentage of subcontracted work?Yes. The program can accommodate general contractors with up to 95% subcontracted work and trade contractors with up to about 20% subcontracting, depending on the class and other risk factors. What coverage lines are available through this program?Primary general liability and umbrella/excess coverage are the core offerings, with tailored terms for construction-specific exposures. Need help placing an account? Connect with a market specialist.

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From culverts and driveways to major interstates and highway overpasses, Novatae Risk Group offers a tailored Workers Compensation Insurance solution designed specifically for bridge and road construction contractors. Through Empire Underwriters, a division of Novatae, agents can access a flexible and robust program that meets the complex needs of infrastructure and roadway contractors of all sizes—from small, local construction firms to large, multi-state operations. This program is an excellent fit for agents looking to place challenging or high-hazard construction accounts. Whether your client is a new venture, has a high MOD, or is operating in a state pool, Novatae can help provide competitive options through a wide network of carriers and risk management solutions. Ideal Accounts and Appetite Experience Mod of 1.30 or higher High hazard and tough class codes Blue, gray, and white-collar construction operations Accounts currently in state pools or funds Distressed, lapsed, non-renewed, or cancelled policies New ventures welcome Multi-state operations are a specialty You might have a client whose road construction company recently expanded into multiple states or one with a lapse in coverage due to claims activity. These are the types of accounts that this program is built to support. Coverage Highlights and Program Features Access to many “A” rated admitted and non-admitted carriers Stand-alone Workers Compensation policies Guaranteed cost, dividend, retro, and high deductible options Integrated workers comp solutions and custom account handling Fast turnaround on submissions This program is designed to deliver flexible underwriting and fast broker service, helping you retain or grow your book of business in the heavy construction sector. Submission Requirements & Minimum Premium Completed ACORD 130 application 3–4 years of loss runs Details on any large losses Supplemental questionnaire Minimum premium starts at $10,000, depending on the risk profile and state. Territories and Market Access This Bridge and Road Construction Workers Compensation Insurance program is available in most states, including but not limited to CA, FL, TX, NY, and IL. Novatae Risk Group works with a wide range of carriers (varies by state) across both admitted and non-admitted markets. Why Work With Novatae Risk Group? Novatae Risk Group, through Empire Underwriters, offers deep expertise in high-hazard workers compensation risks. As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae provides agents with access to markets and underwriting flexibility not always available through standard carriers. Whether you’re looking to place a tough risk or offer your client more competitive options, our team of experienced brokers is ready to assist. Please contact us at 800-758-8113 to speak to our experienced brokers about your Bridge and Road Construction Workers Compensation Insurance accounts. Do you need a Bridge & Road Construction Workers Compensation Insurance Quote? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?This program targets bridge and road construction contractors, especially those with high MODs, tough class codes, multi-state operations, new ventures, or distressed coverage histories. Is this program available for new construction businesses?Yes, new ventures are accepted. The program is designed to support both established contractors and startups in the bridge and roadway construction industry. Are multi-state risks eligible?Yes, one of the strengths of this program is handling accounts with multi-state exposures. It's especially suited for contractors operating across several jurisdictions. What documents are required to submit an account?You’ll need a completed ACORD 130, 3–4 years of loss runs, details on any large losses, and a supplemental questionnaire. What is the minimum premium for this program?The program typically starts at a $10,000 minimum premium, but this may vary depending on the risk and state. Need help placing an account? Connect with a market specialist.