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... Social Services • Home Health/Visiting Nurse Associations • Medical Temporary Staffing S...ram available in all states?Yes, our Workers' Compensation program is available in all 50 ...

... - On-site physician/nurse - Recreational ...

Residential Carpentry Workers Compensation Insurance from IPMG I...to partner for Residential Carpentry Workers Compensation Insurance. Frequently Asked Q...

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.

...ronments. Target classes include visiting nurse associations, home health agen... liability, property, D&O, auto, workers’ comp, umbrella, and third-party ...

General Liability Insurance is a critical coverage for contractors working with Exterior Insulation and Finishing Systems (EIFS), especially given the specialized risks associated with these materials and installations. Novatae Risk Group offers a tailored EIFS General Liability Insurance program designed to meet the unique exposures your contractor clients face in this niche sector of the construction industry. Through our program, administered by Empire, we help agents and brokers secure dependable coverage solutions for EIFS contractors, including those with challenging underwriting profiles. Whether your client is a new venture, has prior or open claims, or has experienced a lapse in coverage, we have the tools and expertise to evaluate the risk and provide competitive options. Ideal Accounts and Appetite: EIFS Contractors specializing in installation, stucco, or plastering Structural and decorative EIFS work Accounts with prior or open claims New ventures and recently formed businesses Previously cancelled or lapsed policies Multi-state operations Contractors carrying CG201185 equivalent endorsements Owner-operator businesses with 2+ employees Accounts with payroll of $40,000 or more Coverage Highlights and Program Advantages: Quick turnaround on submissions Access to multiple carriers—both admitted and non-admitted markets including certain Underwriters at Lloyds of London Flexible underwriting for complex risks Specialized focus on California and multi-state contractor exposures Submission Requirements: Acord 124 & 126 forms 3–4 years of loss runs Explanation of any coverage lapses Details on large or unusual losses Completed supplemental questionnaire Admitted Status and Minimum Premiums: Coverage is available on both admitted and non-admitted paper depending on the risk profile and state. Minimum premiums vary based on underwriting factors, but we work to ensure competitive pricing even for harder-to-place accounts. 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 Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group provides agents and brokers with niche programs designed for difficult or specialized classes. Our EIFS General Liability program reflects our commitment to underwriting expertise, market access, and responsive service. Let us help you deliver tailored solutions to your contractor clients with EIFS exposures. Need a General Liability quote for your EIFS contractor accounts? Send your submissions to [email protected] or call 800-758-8113 to speak directly with an experienced underwriter. Frequently Asked Questions What types of accounts are a good fit for this EIFS General Liability program?This program is ideal for EIFS contractors involved in installation, stucco, plastering, and decorative or structural EIFS work—especially those with payrolls over $40,000 and at least two employees. Can you consider accounts with prior claims or a lapse in coverage?Yes, our underwriting team is experienced in evaluating accounts with loss history or coverage gaps. We welcome submissions with prior claims, open claims, or recently cancelled policies. Is this program available for new ventures?Yes, new ventures are eligible for consideration. We can help you place startup EIFS contractors operating in approved states with appropriate documentation. Which states is this program available in?We currently offer this program in over 25 states, including CA, FL, TX, NJ, IL, and others. Please refer to our full list or contact us to confirm availability in your client’s state. What carriers are used for this program?We have access to both admitted and non-admitted markets, including certain Underwriters at Lloyds of London, allowing us to match the right carrier to the risk profile. 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.

Nursing Home Workers Compensation Dividend Program Caitl...side of Indiana?No, the Nursing Home Workers Compensation Dividend Program is currently o...

...or: Heterogeneous groups or associations Stand-alone individual self-insu...ndividual employers, and industry associations with strong risk control practi...

...MOs) Independent Physician Associations (IPAs), Physicians Hospital Organi...