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McGowan Excess & Casualty General Contractors Umbrella Insurance Overview The McGowan Companies offers General Contractors Umbrella Insurance through its McGowan Excess & Casualty program to help agents place excess/umbrella capacity for commercial general contractors. This program provides standalone commercial umbrella liability and follow-form excess liability, with lead umbrella limits starting at $1 million and capacity available up to $100 million. Coverage is underwritten by a variety of carriers and is available in most states. Ideal Accounts and Appetite This program targets commercial general contractors and GC operations for mid-size to large projects. Typical classes we can consider include: Office buildings Schools and educational facilities Post offices and government facilities Nursing homes and assisted care facilities Shopping centers and retail developments Accounts with established loss control practices, disciplined subcontractor management, and lead umbrella placements from admitted or non-admitted carriers are preferred. Heavy civil, mining, oil & gas well sites, and specialty subcontractor-only operations are generally outside the appetite unless specifically negotiated. Coverage Highlights Products: Commercial Umbrella Liability and Follow-Form Excess Liability. Umbrella Limits: Lead umbrella placements from $1M (capacity available up to $100M). Excess Layers: Ability to write excess layers over lead umbrellas from $1M to $100M. Required Underlying Rating: A- / VII (exceptions may be made for employers’ liability carriers where appropriate). Carriers: Varies by submission—The McGowan Companies places with multiple facultative and treaty markets to secure capacity. Underwriting Notes Underwriters review account-level exposures such as payroll and contract values by operation, subcontractor usage, safety programs, and loss history. Typical information that speeds placement includes current primary and umbrella policies, five years of loss runs, a description of current operations and project types, and contractor payroll or project values by trade. The program can place follow-form excess layers over existing lead umbrellas subject to carrier approval. Territories and Admitted Status Availability: Most Available States. The program is available in the following jurisdictions: 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, DC, WV, WI, WY. Some placements may be admitted or non-admitted depending on the carrier and state rules; please consult underwriting on a per-submission basis. Example Accounts You have a regional general contractor building a new office campus with a $10M project value and a $1M lead umbrella—this program can provide follow-form excess layers up to higher limits to align with contract requirements. You represent a developer GC for multiple school renovation projects seeking $5M–$20M aggregate umbrella capacity where consolidated excess placement and coordinated terms reduce gaps in coverage. Why Place This Business With The McGowan Companies Managing general underwriter with a construction-focused excess and casualty practice. Access to multiple carriers and the ability to assemble layered capacity up to $100M. Flexible placement—standalone umbrella or follow-form excess options to match primary program structure. Underwriting experience in commercial GC classes and willingness to consider reasonable exceptions for underlying employers’ liability carriers. Submission Tips To expedite evaluation, include complete primary and umbrella policy forms, five years of loss runs, description of operations by trade, payroll and contract values, and any risk control/safety documentation. If seeking excess layers over an existing lead umbrella, provide the lead umbrella policy and information on the lead carrier. Frequently Asked Questions What types of general contractors are a good fit for this program?Commercial general contractors working on office buildings, schools, nursing homes, post offices, shopping centers and similar projects are the primary targets. Accounts with formal safety programs, controlled subcontractor use, and stable loss history fit best. What limits and layering options are available?Lead umbrella limits start at $1M with capacity available up to $100M. The program can also write excess layers over existing lead umbrellas ranging from $1M to $100M, subject to underwriting and carrier approval. Are there minimum underlying carrier requirements?Yes. The typical required underlying rating is A- / VII. Underwriters may consider exceptions for employers’ liability carriers on a case-by-case basis—discuss exceptions with McGowan Excess & Casualty underwriters at submission. Which states is this program available in?The program is available in most states (see the list on the program page). Admitted vs. non-admitted placement depends on the carrier selected and state regulations; confirm availability with underwriting for the specific jurisdiction. Need help placing an account? Connect with a market specialist.

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Crisis Centers Insurance Program from AFC Insurance Inc. AFC Insurance Inc. offers a specialized Crisis Centers Insurance program designed to support organizations that provide vital emergency and advisory services to individuals in distress. This program is part of AFC’s broader Social & Human Services Insurance offerings, built to address the complex risk profiles of nonprofits and community-focused organizations. Whether your client operates a 24/7 crisis hotline, a walk-in mental health facility, or a rehabilitation program, this insurance solution is designed to deliver comprehensive protection tailored to their services. AFC Insurance Inc. serves as a Program Administrator, giving agents and brokers access to competitive coverage options through a variety of carriers. Ideal Accounts and Target Classes This program is best suited for organizations that offer urgent or ongoing crisis support services, including but not limited to: Mental Health Care Facilities Domestic Violence Programs and Shelters Alcohol & Drug Rehabilitation Centers Suicide Prevention Programs and Hotlines You might have a client who runs a nonprofit crisis center offering emergency counseling and temporary housing. Or perhaps a regional behavioral health organization providing outpatient services and referral hotlines—these are the kinds of accounts that fit well within this program’s appetite. Coverage Highlights and Advantages The program offers a robust range of coverages that respond to the unique exposures found in crisis intervention services. Available coverages include: Package Policies General Liability and Professional Liability Abuse & Molestation Coverage Umbrella Liability Property and Auto Coverage (with some restrictions) Coverage Endorsements for Volunteers and Independent Contractors Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insureds These features help agents provide peace of mind to clients who rely on a mix of paid staff, volunteers, and third-party providers to deliver critical community services. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on class, size of operations, services provided, and location. AFC Insurance works with agents to understand the nuances of each submission, aiming for efficient underwriting and tailored solutions. Accounts with strong risk management practices, documented procedures, and staff training are especially desirable. Territories and Availability This program is available in most states, including 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, and WY. The program is admitted in most of these states, though availability and restrictions may vary by location and class. Why Work With AFC Insurance Inc.? AFC Insurance Inc. brings deep expertise in the social and human services sector, with a long-standing commitment to helping community-based organizations secure the right protection. As a program administrator, AFC offers access to multiple carriers and flexible underwriting approaches. Their team understands the unique challenges that crisis centers face and can help you deliver responsive, well-rounded insurance solutions to your clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for crisis centers, mental health facilities, domestic violence shelters, suicide prevention hotlines, and substance abuse treatment programs. Are volunteers and independent contractors covered?Yes, the program includes endorsements that allow for coverage of volunteers and independent contractors as insureds. Is Abuse & Molestation coverage included?Yes, Abuse & Molestation coverage is available as part of the program, helping protect against serious liability exposures in crisis care environments. In which states is the program available?The Crisis Centers Insurance program is available in most states across the U.S., including CA, NY, TX, FL, and many others. Availability may vary by state and class. What is the minimum premium for this program?Minimum premiums vary by type of account, size of operation, and coverage needs. AFC Insurance Inc. evaluates each submission individually to determine pricing. Need help placing an account? Connect with a market specialist.

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Environmental Insurance IPMG offers access to comprehensive Environmental Insurance markets designed to help agents and brokers place coverage for a wide range of environmentally exposed businesses. Whether your client is an environmental contractor, a non-environmental service provider with incidental exposures, or a transporter of hazardous materials, IPMG can help you find the right market to protect them. This program addresses the growing need for customized environmental coverage across multiple industries. With access to both admitted and non-admitted markets, IPMG provides flexible solutions tailored to protect against pollution liabilities, site risks, transportation exposures, and more. Targeted Classes Our Environmental Insurance program is ideal for a wide range of businesses, including: • Environmental Consultants • Environmental and Restoration Contractors • Non-Environmental Contractors with incidental pollution exposures • Transportation and logistics companies handling environmental products • Site Risks – any class of occupancy or use • Manufacturers • Healthcare and Medical Facilities • Real Estate Owners and Developers • Municipalities, Schools, and Universities • Oil & Gas operations • Underground and Above Ground Storage Tank operators Coverage Highlights Available coverages through IPMG include: • Contractors Pollution Liability (CPL) • Professional Liability for consultants and service providers • Transportation Pollution Liability • Site Pollution Liability – for both waste and non-waste operations • Coverage for Mold, Asbestos, and Lead exposures • Commercial General Liability • Commercial Excess Liability Underwriting Notes and Minimum Premiums Minimum premiums start at $1,500, making this program accessible for small to mid-sized accounts. IPMG works with brokers to evaluate each submission on its own merits and deliver tailored options based on the client’s operations and exposure levels. Appetite includes both new ventures and established firms with environmental risk components. Available Territories This Environmental Insurance program is currently available in the following states: Arkansas (AR), Florida (FL), Iowa (IA), Illinois (IL), Indiana (IN), Missouri (MO), Ohio (OH), and Wisconsin (WI). Why Work With IPMG? IPMG is a wholesale broker with deep experience in the environmental insurance market. Their team understands the complex risks associated with pollution exposures and works closely with agents to navigate specialty markets. Whether you're placing a standalone CPL policy for a remediation contractor or a site liability policy for a redevelopment project, IPMG helps you access the right carriers and coverages for your client’s needs. You might have a client who owns a portfolio of older industrial sites being redeveloped for mixed-use – IPMG can help secure site pollution coverage to protect against legacy contamination. Or perhaps your client is a plumbing contractor occasionally handling mold remediation – the program can provide CPL to address incidental exposures. Partner with IPMG to find solutions for your environmental accounts and gain access to markets that understand the unique challenges of this niche. Frequently Asked Questions What types of accounts are a good fit for IPMG's Environmental Insurance program?This program is ideal for environmental contractors, consultants, transportation firms, manufacturers, healthcare facilities, and real estate developers with pollution exposures. Are non-environmental contractors eligible for coverage?Yes, non-environmental contractors with incidental pollution exposures—such as general contractors or plumbers—may qualify for Contractors Pollution Liability and related coverages. What is the minimum premium for this program?The minimum premium starts at $1,500, depending on the class and exposure level of the account. Is this program available in all states?No, IPMG currently offers this program in AR, FL, IA, IL, IN, MO, OH, and WI. Does IPMG offer admitted or non-admitted markets for this program?IPMG offers access to both admitted and non-admitted markets, depending on the risk profile and class of business. Need help placing an account? Connect with a market specialist.

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Novatae Risk Group offers a specialized General Liability Insurance program tailored for Commercial and Residential Developers through Empire Underwriters. Designed for agents and brokers seeking flexible, dependable coverage solutions, this program is backed by over 20 years of underwriting expertise in construction-related risks. With access to both admitted and non-admitted markets—including select Underwriters at Lloyd's of London—Novatae provides a competitive edge for hard-to-place and high-exposure accounts. Our program is ideal for developers involved in mid- to large-scale construction projects, including both ground-up and renovation work. Whether you're working with new ventures or accounts with prior losses, we are equipped to handle challenging submissions with a responsive and knowledgeable underwriting team. Ideal Accounts and Appetite Shopping Centers, Malls, and Retail Plazas Tract Home and Custom Home Builders Condominium and Apartment Complex Developers Hi-Rise Construction Projects Accounts with Prior or Open Claims New Ventures and Lapsed Policies Multi-State Operations Paper Contractors Hard-to-Place or Tough Classes You might have a client developing a multi-unit condo building with prior claims history, or a new developer entering the market with a complex project. These are the types of accounts we can help you place. Coverage Highlights and Advantages Access to multiple carriers for flexible quoting Fast turnaround times on submissions Coverage available in most states on either admitted or non-admitted paper Capability to offer CG201185 equivalent endorsements Deep underwriting knowledge in construction and development risks Our brokers work directly with you to understand your client’s operations and identify the right coverage structure. We take pride in our consultative approach and attention to detail. Submission Requirements ACORD 124 & 126 Applications 3–4 Years of Loss Runs Explanation of Lapses in Coverage (if applicable) Details on Any Large Losses Supplemental Questionnaire Territories and Availability This 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. We provide coverage through admitted and non-admitted carriers depending on the state and risk profile. Why Work With Novatae Risk Group As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group offers agents a trusted resource for placing complex construction liability risks. Our relationship with Empire Underwriters delivers access to a broad market selection, timely service, and seasoned underwriting insight. We welcome hard-to-place accounts and are committed to helping our broker partners grow their construction books with confidence. Please contact us at 800-758-8113 to speak to our experienced brokers about your Residential and Commercial Developer General Liability Insurance accounts. Do you need a General Liability Insurance quote for your Commercial and Residential Developer accounts? Email your submission to [email protected] or call 800-758-8113 to connect with an underwriter today. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for commercial and residential developers, including tract home builders, condo developers, high-rise construction, and accounts with prior claims or lapses in coverage. Can you help with new ventures or accounts with no prior coverage?Yes, we welcome new ventures and are experienced in handling accounts without prior coverage or with lapsed policies. Are both admitted and non-admitted options available?Yes, we offer both admitted and non-admitted options through multiple carriers, including certain Underwriters at Lloyd's of London. What states is this program available in?Coverage is available in most states, including CA, FL, TX, NJ, and many others. Please refer to the full list above for all eligible states. What documents are needed to submit an account?We require ACORD 124 and 126 forms, 3–4 years of loss runs, a supplemental questionnaire, and details on any large losses or lapses in coverage. Need help placing an account? Connect with a market specialist.

General Liability Insurance is a critical first step in protecting appliance installation businesses from a wide range of risks. From property damage and bodily injury to advertising injury and reputational harm, this coverage forms the foundation of a risk management strategy for your clients in the appliance installation trade. Novatae Risk Group, through Empire Underwriters, offers a specialized General Liability Insurance program tailored to the needs of appliance installation contractors. Designed for small to mid-sized operations, this program offers flexible underwriting and access to both admitted and non-admitted carriers rated as high as A-XV. Whether your client installs appliances in residential or commercial settings, this program can help address their unique exposures. Overview: This program provides targeted General Liability coverage for Appliance Installation Contractors, helping your clients manage risks associated with on-site installations, customer property damage, and third-party injuries. With a minimum premium starting at $1,500, it's an accessible solution for smaller contractors seeking comprehensive protection. Ideal Accounts and Appetite: Appliance Installation Contractors Appliance Service Contractors Residential Appliance Installers Commercial Appliance Installers This program focuses on contractors with annual payrolls under $1,000,000. It's a great fit for agents working with insureds who handle appliance installation as their primary operation, whether in new construction or retrofit settings. Coverage Highlights and Advantages: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate Limits Subsidence coverage (with limitations) Prior Projects coverage (with limitations) These features help contractors meet contractual requirements and protect their business from claims arising during and after project completion. Underwriting Requirements: Completed ACORD Applications 3 to 5 years of currently valued loss runs Supplemental Application Project-Specific Pollution Application (if applicable) Territories and Availability: This 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. Why Work With Novatae Risk Group: As a national wholesale broker, Novatae Risk Group brings deep expertise in placing niche contractor risks. Our team can quickly evaluate your submissions and help place tough-to-place appliance installation accounts with top-rated markets. Whether you handle residential or commercial contractors, our access to both admitted and non-admitted solutions gives you flexibility and speed in quoting. Contact us today at 800-758-8113 to speak with a broker, or email submissions to [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized appliance installation contractors with under $1,000,000 in annual payroll, including both residential and commercial installers. Are both admitted and non-admitted markets available?Yes, the program offers access to both admitted and non-admitted carriers, with ratings as high as A-XV. Which states is this program available in?This program is available in over 25 states, including CA, TX, FL, NJ, and IL. Please contact us for availability in your state. What is the minimum premium for this program?The minimum premium starts at $1,500, making it accessible for small contractors needing essential General Liability protection. What documents are needed to submit an account?Submissions should include completed ACORD applications, 3–5 years of valued loss runs, a supplemental application, and a project-specific pollution application if applicable. Need help placing an account? Connect with a market specialist.

Window and door installers face a distinct mix of on-site and off-site exposures. Many firms operate a showroom or retail space while also performing installations at residential and commercial job sites. That dual exposure creates potential for property damage, third-party bodily injury, and job-site liability—risks that require a focused general liability solution. Novatae Risk Group offers a dedicated General Liability Insurance for Door and Window Installers program, underwritten by Empire Underwriters, built for small to mid-sized contractors. The program targets contractors who perform interior and exterior door and window installations in new construction and replacement work, and provides policy features that help meet common contractual and project-based requirements. Targeted Accounts and Market Focus This program is designed for contractors with less than $1,000,000 in annual payroll engaged primarily in: Interior and exterior door installation Window installation for new homes and remodeling projects Commercial and residential replacement work Examples of appropriate submissions: a contractor who installs windows for single-family home remodels, or a shop that sells and installs interior doors for small commercial buildouts—provided the account meets program guidelines. Eligible and Ineligible Risks Acceptable: New residential and commercial construction, including single-family homes Acceptable: Repair and remodeling projects Required: At least 75% of operations must fall within the program’s approved class codes Generally ineligible: New construction of condominiums, condominium conversions, and townhouses (some exceptions may apply) Projects involving structures taller than three stories (exceptions may be considered on a case-by-case basis) Coverage Features Blanket Additional Insured endorsements to help satisfy contractual requirements Waiver of Subrogation options Primary and Non-Contributory wording Per-Project Aggregate limits Subsidence and Prior Projects coverage available with limitations These features are aimed at reducing gaps in coverage and helping your insureds meet owner/GC and vendor contract conditions tied to installations. Submission Requirements Completed ACORD applications 3 to 5 years of currently valued loss runs Supplemental application Project-specific pollution application, if applicable Minimum Premium and Carrier Strength Minimum premiums start at $1,500. Coverage can be placed through admitted and non-admitted carriers, including markets rated as high as A-XV, giving flexibility where admitted paper may not be available. State Availability This program is available in most 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. Contact Novatae to confirm availability for a specific location or project. Why Work With Novatae Risk Group? As a wholesale broker, Novatae Risk Group specializes in niche construction and trades programs. We provide access to quality carriers and underwriting tailored to the door and window trades. Our team understands the common exposures and can often provide quick turnarounds on submissions—helping you place accounts that may be difficult to bind in the standard market. Need a quote? Email your submissions to [email protected] or call 800-758-8113 to speak with an experienced underwriter today. Frequently Asked Questions What types of accounts are a good fit for this program?Small to mid-sized door and window installation contractors with under $1 million in payroll, performing residential or commercial installations, are the primary candidates for this program. Are both new construction and remodeling projects eligible?Yes. The program accepts new construction and remodeling/repair work as long as 75% or more of the operations fall within the approved class codes. What are some common ineligible risks?New condominium construction, condominium conversions, townhouses, and projects on structures over three stories are typically ineligible, though exceptions may be reviewed on a case-by-case basis. Which states is this program available in?The program is available in over 25 states, including CA, TX, FL, GA, and NC. Contact Novatae to confirm availability for a specific state or project. What documents are needed to submit an account?Submit completed ACORD applications, 3–5 years of currently valued loss runs, the supplemental application, and a pollution/project application if required. Need help placing an account? Connect with a market specialist.