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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.

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.

As an excavation contractor, your clients encounter significant jobsite hazards every time they break ground. From back strains and soft-tissue injuries to severe accidents involving heavy equipment, the exposures are real—and so is the need for dependable Workers Compensation. Novatae Risk Group, working with Empire’s specialized contractors team, offers a focused Excavation Workers Compensation Insurance Program to help you place this challenging class of business. This program is underwritten specifically for excavation and similar high-hazard operations. Whether a client is a start-up, has a history of large losses, or has been declined elsewhere, our underwriting team will evaluate submissions and craft appropriate solutions. We place business with many "A"-rated carriers and access both admitted and non-admitted markets depending on state and risk profile. Contact us at 800-758-8113 to speak with our brokers about Excavation Workers Compensation accounts. Ideal Accounts and Appetite: Experience MODs of 1.30 or greater High-hazard or hard-to-place classifications (excavation, trenching, site prep) Blue, gray, and white collar job types on the same payrolls Accounts currently in state pools or assigned risk funds Distressed, lapsed, or non-renewed accounts New ventures with no prior coverage Multi-state operations — we have market expertise here Other hard-to-place Workers Compensation risks Example fits: a regional excavation contractor with a recent large loss seeking a stable market solution; or a multi-state site-preparation firm moving out of a state fund and needing coordinated coverage across jurisdictions. Coverage Highlights and Advantages: Fast turnaround on quotes and binding for time-sensitive accounts Access to numerous "A"-rated carriers across admitted and E&S markets Standalone Workers Compensation placements tailored to operations Guaranteed cost, dividend, and retrospective (retro) plans available High-deductible and alternative cost-control options Integrated claim handling and custom program servicing Underwriting Requirements: Completed ACORD 130 application 3–4 years of loss runs Details on any large or open losses Supplemental questionnaire when applicable Minimum Premium and Availability: Minimum premium for the program starts at $10,000. We underwrite accounts in most states — including, but not limited to, CA, FL, TX, NY, and PA — and can place business nationwide depending on carrier appetite and the risk profile. Why Work with Novatae Risk Group? Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines Broker with deep experience placing tough Workers Compensation risks. We understand the underwriting and operational challenges brokers face when placing excavation accounts. With broad market access, flexible underwriting, and responsive service, we help you protect clients while keeping accounts competitive. Need an Excavation Workers Compensation quote? Email [email protected] with submission materials or call 800-758-8113 to speak with an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?The program fits excavation contractors with elevated MODs, prior large losses, new ventures, multi-state operations, or those who have been lapsed or non-renewed. It’s built for high-hazard and hard-to-place exposures. Can you help with clients in the state risk pool?Yes. We frequently move accounts out of state pools and into tailored Workers Compensation solutions using competitive admitted and non-admitted markets. What information do you need to get a quote?Provide a completed ACORD 130, 3–4 years of loss runs, details on any large or open losses, and a supplemental questionnaire if requested. Is the program available nationwide?Yes — the program is available in most states, including CA, TX, FL, and NY. We can write in all 50 states and DC depending on carrier availability and the specific risk details. Do you work with new ventures that have no prior coverage?Absolutely. We have markets that will consider start-ups in the excavation and site-work trades. Need help placing an account? Connect with a market specialist.

Bridge construction projects come with significant risks, from working at heights and around heavy machinery to managing multi-state operations. Novatae Risk Group offers a specialized General Liability Insurance program for Bridge Contractors through Empire Underwriters, built to help brokers and agents place hard-to-insure accounts with confidence. Whether your client builds pedestrian walkways, highway overpasses, or bridges over water, this program provides the tailored protection they need to operate securely and compliantly. Designed for small, mid-size, and large operations, this program addresses the wide variety of exposures that bridge contractors face. In addition to General Liability, Empire Underwriters can also assist with complementary coverages such as workers’ compensation, alternative comp solutions, commercial property, bonds, and more—giving agents a one-stop solution for their clients. Ideal Accounts and Appetite Bridge contractors with at least $40,000 in payroll Owner-operated businesses with 2 or more employees New ventures and startups Accounts with prior claims or open losses Cancelled or lapsed policies Multi-state operations Hard-to-place and artisan contractors Paper contractors and those requiring CG201185 equivalent You might have a client who recently launched a bridge construction company and needs help securing their first general liability policy—or a seasoned contractor with a lapse in coverage due to a prior loss. This program is built for both scenarios and more. Coverage Highlights and Advantages General Liability tailored to bridge construction risks Quick turnaround and responsive service Access to multiple carriers, including admitted and non-admitted options Available in most states with flexible underwriting Empire Underwriters works with a wide network of markets, including certain Underwriters at Lloyd’s of London, allowing for flexible solutions across a range of risk profiles. Submission Requirements ACORD 124 and 126 forms 3–4 years of loss runs Explanation of any lapses or large losses Completed supplemental questionnaire To discuss a submission or get a quote for your bridge contractor accounts, contact us at 800-758-8113 or email [email protected]. Territories and Availability This program is available in a wide range of states, including 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 leading Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group brings specialized underwriting expertise and access to flexible markets. Their focus on hard-to-place and high-risk contractor classes makes them a valuable partner for agents who need creative solutions for challenging accounts. Whether you're working with a new venture or a complex multi-state contractor, Novatae and Empire Underwriters are ready to help you place the business. Frequently Asked Questions What types of accounts are a good fit for this Bridge Contractors program?This program is ideal for small to large bridge construction businesses, including those with prior claims, policy lapses, or high-risk operations. It also accepts new ventures and multi-state contractors. Is this program available in admitted or non-admitted markets?Both admitted and non-admitted options are available, including access to certain Underwriters at Lloyd’s of London, depending on the risk and state. What documents are required to submit an account?You’ll need ACORD 124 and 126 forms, 3–4 years of loss runs, a supplemental questionnaire, and details about any large losses or lapses in coverage. Can I submit a contractor with a recent coverage lapse?Yes, this program considers accounts with recent lapses, as long as reasons are provided and underwriting guidelines are met. What is the minimum premium for this program?Minimum premiums vary based on the risk profile, location, and size of the account. Contact the underwriter for specific pricing guidance. Need help placing an account? Connect with a market specialist.

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