Search CompleteMarkets

...000 (varies by class and state) Utilities Public and investor-owned utilities Independent power producers and m...

...aviation, trucking, agriculture, utilities, and municipalities. What is the mi...

Overview — National Environmental Coverage Corporation: Monoline Contractors Pollution Liability National Environmental Coverage Corporation (NECC) offers a Monoline Contractors Pollution Liability program designed for contractors who face environmental exposures during construction, remediation, demolition, or maintenance work. This program is intended for independent agents and brokers placing accounts that require targeted pollution liability protection on either an annual or per-project basis. Coverage is available on occurrence or claims-made forms, with options for prior acts (retroactive) coverage where underwriting approval and proof of prior continuous coverage exist. Occurrence or Claims Made Form Nose Coverage and Prior Acts Available Annual & Per Project Policies Defense Costs can be in addition to or included in the policy limits Mold coverage is available (if requested) for most types of contractors Examples of Eligible Classes: Asbestos Abatement Boiler Inspection / Installations Concrete Construction Debris Removal Demolition Dredging Drillers (Not Oil & Gas) Electrical Excavation / Grading of Land Fencing General Contracting Hazardous Materials Heating, Ventilation & AC Industrial Maintenance Insulation / Fire Proofing Landscapers Lead Abatement Liquid Waste Masonry Mechanical Construction Metal Extraction Mold Remediation Painters Paving Pile Driving Plumbing Restoration Rigging Roofing Salvage Operations Sewer & Water Main Soil Remediation Street & Road Maint. Tunneling UST / AST Utility Waste Water Welders And Many More !!!! Coverage Highlights and Advantages Flexible form options: occurrence or claims-made forms to suit the insured’s exposure and placement needs. Prior acts (retroactive) coverage available subject to underwriting and verification of prior comparable coverage. Policy period options: annual master policies or per-project (per job) limits for single-job exposures. Defense costs can be handled inside or outside the policy limit, based on program selections and underwriting. Mold coverage can be added by endorsement for most contractor classes when requested. Standard Limits, Deductibles and Minimums Standard base limits up to $1,000,000 per occurrence with a $1,000,000 policy aggregate (lower limits also available). Limits up to $5,000,000 are available on either an annual or a per-job basis. Minimum deductible: deductibles start at $2,500. Minimum premium: starting at $2,000 (excluding mold). Accounts including mold typically start at $4,000 and up. Taxes and fees are additional where applicable. Underwriting Appetite and Typical Restrictions NECC targets contractors with environmental exposures arising from construction, remediation, demolition, waste handling, and site work. Typical acceptable accounts include general contractors, specialty trade contractors (plumbing, roofing, paving), demolition and asbestos/lead abatement contractors, soil and groundwater remediation contractors, and restoration firms. Accounts with clearly documented controls, strong safety programs, and stable prior coverage histories are preferred. Underwriting may decline or restrict accounts with: ongoing or poorly documented contamination, oil & gas drilling operations, large-scale industrial chemical manufacturing, or histories of repeated pollution incidents. Mold coverage is underwritten separately and is not available for all risks. Territories and Availability This program is available through NECC in the following states: 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, WV, WI, WY. Availability, terms and capacity will vary by state and by the specific exposures of the risk. This program is non-admitted in certain situations; confirm market status with NECC underwriting for placements in regulated admitted markets. Why Place This Business with NECC Program expertise: NECC focuses on environmental liability for contractors and offers flexible forms and limits suited to construction and remediation exposures. Flexible placement: annual or per-project options let you match coverage to the insured’s operational and contractual needs. Underwriting support: NECC evaluates prior acts requests and mold extensions on a case-by-case basis and can structure defense within or outside limits. Wide class appetite: an extensive list of eligible contractor classes helps you place diverse accounts through a single program. Example Accounts That Fit This Program You have a remediation contractor performing soil excavation and groundwater treatment on multiple small to mid-size sites — consider an annual policy with prior acts if they have continuous claims-made coverage history. A general contractor bidding on a single demolition and asbestos abatement project — a per-project (per job) policy with appropriate limits and a mold endorsement (if requested) can be placed. * This is a brief outline only. Occurrence form CPL and/or CGL is not available for some exposures/risks. Mold coverage extension is not offered for all risks. Security and coverage availability will vary depending on exposure, risk factors & location. The minimum premium is the base for the smallest eligible risk. Taxes and Fees are in addition to premium. Prior Acts (retroactive) coverage requires proof of comparable continuous claims made coverage and is subject to underwriting approval. Some risks may be offered limited retroactive coverage or in some cases no retroactive coverage. Frequently Asked Questions What types of contractor accounts are a good fit for NECC’s Monoline Contractors Pollution Liability program?This program fits contractors with environmental exposures from construction, demolition, remediation, restoration, utility and site-work operations — for example, asbestos/lead abatement, excavation, soil remediation, demolition, plumbing, roofing, and general contracting. High-risk industrial manufacturing or oil & gas drilling are typically not a good fit. Does NECC offer occurrence and claims-made forms, and can prior acts be added?Yes. The program offers both occurrence and claims-made forms. Prior acts (retroactive) coverage is available on a case-by-case basis and requires proof of comparable continuous claims-made coverage and underwriting approval. Can I bind coverage on a per-job basis?Yes. NECC supports both annual policies and per-project (per-job) policies. Per-job placement is commonly used for single-site demolition, abatement or remediation contracts. What are the minimum premium and deductible expectations?Deductibles start at $2,500. The minimum premium typically starts at $2,000 excluding mold; accounts including mold generally start around $4,000 and up. Final premiums depend on exposure, limits, form, and coverage extensions. Need help placing an account? Connect with a market specialist.

Garage Insurance — Ashley General Agency Ashley General Agency offers a specialized Garage Insurance program designed for agents placing auto-related businesses in Texas. As a managing general agency, we provide access to admitted and non-admitted capacity through markets including Catlin, Acceptance, Mesa, and Underwriters at Lloyds. Our garage markets write limits up to $1,000,000 per occurrence / $3,000,000 aggregate and can handle dealer physical damage and garagekeeper exposures with limits up to $1,000,000. Programs accept drivers age 18 and older, with minimum premiums starting around $500. Ideal Accounts and Appetite This program is built for a broad range of garage-related risks. Typical classes we underwrite include: Auto repair shops and general auto repair Used auto sales / internet auto sales Dealers (including dealer physical damage and garagekeeper exposures) Auto parts sales and installation Car washes Mobile auto repair and towing-related operations RV, motorcycle, scooter, and golf cart sales & repair Heavy truck repair/sales and utility trailer sales/repair Impound yards and emergency vehicle sales/repair We are willing to consider niche operations such as mobile mechanics and internet-based auto sellers, subject to underwriting review. Coverage Highlights and Advantages Commercial general liability and garage liability limits available up to $1,000,000/$3,000,000 agg. Dealer physical damage and garagekeeper coverage offered up to $1,000,000. Competitive minimum premiums (from approximately $500) for smaller accounts and select risk profiles. Flexible appetite across common garage exposures—parts installation, service operations, and vehicle sales. Access to multiple specialty carriers through Ashley General Agency’s MGA platform for tailored placements. Underwriting Notes and Minimums Minimum driver age is 18 for program eligibility. Minimum premium: approximately $500 (final premium subject to underwriting and state rules). We evaluate account details including loss history, operations mix, physical premises, and protective safeguards (signage, keys, secured lots) for garagekeeper and dealer placements. Certain high-hazard operations, excessive exposure to long-haul towing, or accounts with frequent high-severity claims may be declined or require higher limits/deductibles. Territories and Admitted Status This program is available in Texas. Note: the carrier panel includes non-admitted capacity; Ashley General Agency places these risks through specialty markets. Check state-specific placement rules and filing requirements before submission. Why Work With Ashley General Agency Ashley General Agency combines focused garage underwriting with direct access to specialty carriers experienced in automotive classes. Agents benefit from hands-on underwriting, quick turnarounds on straightforward risks, and competitive minimums for smaller accounts. We can work with you on multi-line placements and handle dealer physical damage and garagekeeper exposures that many standard markets limit. Example Accounts That Fit This Program A two-bay independent auto repair shop with modest payroll, routine parts installation, and a secured lot—seeking combined general and garage liability with garagekeeper limits. A small used-car dealer that needs dealer physical damage and liability for inventory and customer vehicles, with drivers aged 18+ and a lower premium budget. For more information on our Garage program, call us today! Frequently Asked Questions What types of accounts are a good fit for this program?Accounts such as independent repair shops, used car dealers, auto parts installers, car washes, mobile repair services, and specialty sellers (motorcycle, RV, golf cart) are good fits. We particularly focus on operations with standard safety controls and manageable loss histories. What limits and garage-specific coverages are available?We offer liability limits up to $1,000,000 per occurrence / $3,000,000 aggregate and can provide dealer physical damage and garagekeeper coverage with limits up to $1,000,000, subject to underwriting review. What are the key underwriting requirements or red flags?Key considerations include driver age (minimum 18), past loss activity, premises security, vehicle inventory controls, and the mix of operations. Accounts with frequent or high-severity claims, poor inventory controls, or unusual exposures may be declined or require modified terms. How do I submit a submission and what turnaround can I expect?Submit complete applications and loss runs through your usual wholesale channels to Ashley General Agency. Straightforward accounts typically receive faster responses; complex or higher-limit submissions may require additional underwriting review and documentation. Is this program available outside Texas?This specific garage program is currently available in Texas. Coverage may be placed through non-admitted markets on our carrier panel; verify state filing requirements before submission. Need help placing an account? Connect with a market specialist.

...re, such as sidewalks, roads, or utilities, and the bond ensures that any affe...

Energy P&C Insurance — Victor O. Schinnerer & Company, Inc. Energy P&C is Victor O. Schinnerer & Company, Inc.’s admitted property & casualty program for energy and utility risks. Underwritten through Arch Insurance Company and administered by Schinnerer as the managing general underwriter, this program bundles core commercial lines tailored for oil, gas and pipeline exposures. Package policies are available to simplify placement for accounts that need multiple coverages under a single policy form. Program coverages Auto (fleet and contractor vehicles) General liability Crime Property (locations, leasehold, equipment) Inland marine (mobile equipment, tools, materials in transit) Excess liability Ideal accounts and appetite This program targets energy-sector operations where admitted placements and a coordinated package are important. Typical fits include: Upstream and midstream oil & gas operators with owned or leased well sites and related equipment Pipeline operations — operators, maintenance contractors and right-of-way exposures Schinnerer’s underwriting focus favors accounts with documented safety programs, routine maintenance records, and clear operational controls. The program is best suited for small to mid-sized operators and contractors whose exposures match the product lines above. Accounts with unusually large environmental liabilities, unresolved regulatory actions, or highly speculative operations may require referral or differenced terms. Coverage highlights and advantages Admitted paper (see availability below) with broad form property and GL options designed for energy operations Ability to package multiple coverages — simplifies billing and claims reporting for insureds Access to Arch Insurance Company capacity via Schinnerer’s MGA platform Inland marine and excess layers available to address equipment and catastrophic exposure gaps Underwriting notes When submitting, provide: Loss runs for the past five years Summary of operations, including number and type of sites, pipeline mileage, and contract work performed Safety and maintenance programs, permits and regulatory status Schinnerer underwriters value clear documentation of controls and loss mitigation. Package pricing and limits are determined case-by-case based on operations, limits requested, and loss history. Territories and availability The Energy P&C program is offered on admitted paper and is available across the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, 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 place this business with Victor O. Schinnerer & Company, Inc. Schinnerer combines program underwriting expertise for energy risks with admitted-market capacity through Arch Insurance Company. Agents benefit from coordinated placement of multiple casualty and property lines, experience handling energy-specific exposures, and streamlined package options when insureds prefer a single policy solution. The MGA relationship allows responsive underwriting decisions on standard energy accounts while preserving admitted paper advantages for your clients. Example account scenarios You have a regional pipeline operator with multiple pump stations, company-owned compressor equipment and routine contractor traffic — Energy P&C can provide property, GL and inland marine coverages under an admitted package. You represent a small exploration firm with several well sites and mobile equipment — the program can combine auto, property and excess liability to consolidate limits and reduce administrative complexity. Frequently Asked Questions What types of energy accounts are a good fit for this program?Accounts in oil & gas production, gathering and pipeline operations that need admitted coverage and a multi-line package are the primary target. Small to mid-sized operators and contractors with documented safety programs typically fit best. Which coverages can I package through Energy P&C?The program can combine auto, general liability, property, inland marine, crime and excess liability. Packages are used to simplify administration and ensure coordinated limits across coverages. What submission materials does underwriting expect?Provide current loss runs (typically five years), an operations summary (sites, mileage, equipment), and documentation of safety and maintenance programs. These items speed review and improve placement chances. Need help placing an account? Connect with a market specialist.

Millions of working Americans cannot afford – or are not eligible for – health insurance through their workplace. In order to meet the benefit needs of these workers, Key Benefit Resources has developed a flexible, affordable limited benefit group healthcare plan that Employers can customize to suit the unique needs of their Employees. World-Class Service Years of experience working in the health and worksite insurance industry has shown us the value of and need for effective, efficient and reliable administration. A carrier might have the best plan benefits, great rates or top commissions. But without quality first-rate administration, what do you really have? Let us prove to you what “World Class Service” really means for the Employer, their Employees and for you the Broker. The Technological Advantage In a world with unlimited information available at the touch of a button, many insurance providers remain locked into complex, inefficient mainframe systems. We started from the ground up with an easy to access, open architecture web-based system that offers incredible flexibility. KeySelect provides easy to use on-line plan development, quotes, proposals and Broker reports. Real-World Benefits Greater system efficiency allows us to direct funds to other areas, including Broker commissions. With KeySelect, you will find competitive commissions for the MGA, GA and Producer. Empowered Enrollment With the KeySelect system, Employers and Brokers will utilize EZ Enrollment (www.EZenrollment.com) — our electronic web enrollment — to enter initial plan participants. A monthly in-house call center is included with the plan for timely enrollment of new hires, utilizing specially trained in-house professionals. And, as you would expect, a highly experienced onsite enrollment team is also available. Outstanding Flexibility The minimum group size for a KeySelect plan is five enrolled lives. Most importantly, Employers can choose and design the very best plan for their Employees from over three million plan option variations. As you can see, limited medical indemnity plans have come a long way. KeySelect is obviously not the limited benefit plan of yesterday. It’s the limited benefit plan of the future, available today.

Comprehensive Insurance for Sewer and Water Main Contractors Sloan Mason Insurance Services, Inc. offers a specialized insurance program designed for sewer and water main contractors. This program is backed by A-rated, admitted carriers and provides a robust package of coverages, including Auto Liability, General Liability, Property, Inland Marine, Workers' Compensation, and Umbrella. Offered exclusively through Sloan Mason, this program is ideal for contractors operating in large-scale infrastructure environments. Ideal Accounts and Target Risks This program is specifically tailored for contractors working in new tract developments and public infrastructure projects. It is not intended for contractors performing residential hook-ups or other small-scale residential work. Ideal accounts include those involved in underground utility work, pipeline installation, and municipal water and sewer projects. Example accounts include: Contractors installing water mains for a new commercial development Firms replacing sewer lines for municipal improvement projects Coverage Highlights Key coverages available under this program include: Auto Liability General Liability Property Inland Marine Workers' Compensation Umbrella Liability Coverage is available on an admitted basis, providing agents and their clients with peace of mind and regulatory compliance in most states. Underwriting Requirements and Minimum Premiums To receive a full underwriting review and the most competitive quote, agents should be prepared to submit the following documentation: Five-year payroll history Five years of currently valued, carrier-issued loss runs (dated within 120 days of the requested effective date) Acord applications for AL, GL, Property, Inland Marine, and Umbrella Current NCCI or WCIRB Experience Rating Worksheet Completed contractor supplemental (generic forms accepted) Minimum premium thresholds: $25,000 for the combined AL/GL/Property/Inland Marine/Umbrella package $7,500 for Umbrella coverage alone For a detailed submission checklist, please refer to our Underground Utility Contractors Data Sheet. Territory and Availability This program is available in all 50 states and the District of Columbia. Sloan Mason works with various carriers to ensure broad access and flexible underwriting capabilities nationwide. Why Partner With Sloan Mason Insurance Services, Inc.? As a wholesale broker with deep expertise in contractor-related risks, Sloan Mason delivers tailored solutions for complex accounts. Their access to top-rated, admitted markets ensures that you can place your contractor clients with confidence. With a strong focus on underground utility and infrastructure contractors, Sloan Mason understands the unique liability and equipment exposures in this industry and provides responsive service and underwriting support to help you close more business. Frequently Asked Questions What types of accounts are a good fit for this program?This program targets sewer and water main contractors working on new tract developments and public infrastructure projects. It is not suitable for contractors performing residential hook-ups. Is this program available in all states?Yes, the program is available in all 50 states and the District of Columbia through Sloan Mason’s network of carriers. What is the minimum premium for this program?The minimum premium is $25,000 for the combined AL/GL/Property/Inland Marine/Umbrella package, and $7,500 for Umbrella coverage alone. What documentation is required to obtain a quote?Agents must provide five years of payroll history, five years of loss runs, Acord applications, a current NCCI or WCIRB worksheet, and a completed contractor supplemental form. Can residential plumbing contractors qualify for this program?No, this program does not cover contractors who perform residential hook-ups or small-scale residential work. Need help placing an account? Connect with a market specialist.

Program Coverage SPECIALTY PROGRAM SOLUTIONS (SPS) is a program administrator focused on the forestry and construction industry. Classes of business include logging/lumbering operations, and equipment, woodyard and sawmill equipment, construction contractor’s equipment, and all other inland marine products. Eligible Classes of Business: • Logging and Lumbering Operations • Wood Yard & Sawmills • Chipping Operations Land Clearing • Timber Dealers • General Contractors & Developers • Grading and Excavation Contractors • Right of Way Clearing • Street and Road Contractors • Artisan Contractors • Utility Contractors (no underground exposure’s) Ineligible Classes/Exposures: • Crane Operations • Crane Rental Companies • Erection Companies • Rigging Operations • Strip/Surface Mining • Oil & Gas Operations • Railroad Construction & Maintenance Lines of Business Commercial Inland Marine, AAIS Contractors Equipment Form and Related Endorsements Geography Territory: Alabama, Arkansas, Florida, Georgia, Indiana, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, West Virginia, Wisconsin & Virginia. (Additional States available check with Underwriting) Program Highlights • Key underwriting criteria includes determination of insureds operations, loss experience, maintenance and age of equipment, loss control inspections, and equipment valuations. • Industry Focused. • Unparalleled Underwriting and Claims Service • Long Standing, Admitted, AM Best A+XV rated partner Program Contact: Business Leader Jeff Vaughn [email protected]