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Septic tank contractors face unique liability exposures due to the nature of their work—often involving excavation, environmental risks, and specialized equipment. Novatae Risk Group offers a tailored General Liability Insurance program specifically designed to address the needs of small to mid-size septic tank contractors. Through our partnership with Empire Underwriters and a top-rated "A" carrier, we deliver a market that understands the real risks your clients face and offers meaningful protection at competitive pricing. Whether your client installs new septic systems or performs ongoing service and repairs, we provide access to coverage options that support their business operations and satisfy contractual requirements. Our streamlined submission process and experienced brokers make it easy for you to secure coverage that fits. Ideal Accounts and Appetite This program is designed for septic tank contractors with annual payrolls under $1,000,000. We have a strong appetite for: Septic tank installation (residential and light commercial) Septic system service and repair Eligible risks include new construction and remodeling projects for both residential and commercial properties, including single-family homes. We are not a market for new construction of condominiums, townhouses, or buildings over three stories—except in limited cases. Coverage Highlights and Advantages Blanket Additional Insured endorsements Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate limits Subsidence coverage (with limitations) Prior Projects coverage (with limitations) These coverage features help your septic tank contractor clients meet the requirements of general contractors, municipalities, and private property owners—while giving them peace of mind against costly liability claims. Underwriting Requirements and Minimum Premium Completed ACORD Applications 3–5 years of currently valued loss runs Supplemental Application Pollution – Project Specific Application Minimum premium starts at $1,500, depending on risk characteristics and state-specific factors. We write on both admitted and non-admitted paper, using carriers rated as high as A-XV. Available States This septic tank contractor liability 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. Why Work With Novatae Risk Group? As a trusted wholesale broker, Novatae Risk Group connects agents and brokers to specialized insurance solutions. With 30+ years of experience through Empire Underwriters and access to top-tier carriers, we bring deep industry insight and responsive service to every account. Our team understands the unique risks septic tank contractors face—and how to craft coverage that meets both underwriting guidelines and your client’s operational needs. Ready to quote? Send submissions to [email protected] or call 800-758-8113 to speak with our broker team directly. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-size septic tank contractors involved in installation, repair, or maintenance, with annual payrolls under $1,000,000. What are some common ineligible risks?We typically do not write new construction for condominiums, townhouse projects, or structures over three stories, except in limited cases. Is this program available on admitted paper?Yes, we offer both admitted and non-admitted options through carriers rated as high as A-XV, depending on the state and risk profile. What states is this program available in?We offer coverage in 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. What is the minimum premium?The minimum premium for eligible accounts starts at $1,500, subject to underwriting and state-specific factors. Need help placing an account? Connect with a market specialist.

...offers a specialized Construction Workers Compensation Insurance program under...A-rated carriers to provide reliable workers’ compensation coverage for construction clien...

...nsible. Keating’s Contractors and Workers Compensation program helps agents place the workers’ comp and contractor exposures your ...ents so you can place contractor and workers’ compensation business efficiently. Frequent...

Workers' Compensation for Contractors from N... safety practices are ideal. Is this Workers' Comp program available outside F...

...ative energy facilities; municipal water and sewage utilities Chemical man...

Sloan Mason Insurance Services, Inc. offers a specialized insurance program for businesses that transport hazardous materials and hazardous waste. Through a network of ‘A’-rated carriers, Sloan Mason provides competitive terms and tailored solutions for General Liability, Pollution Liability, and Auto coverage designed for this higher-risk sector. Ideal Accounts and Appetite This program is built for carriers that move bulk chemicals, fuels, blended liquid products, and other hazardous substances. Typical accounts must operate a minimum of 10 power units, with at least 25% of operations involving hazardous materials or hazardous waste transport to qualify for a full underwriting review. Example accounts that fit well include: A regional fuel hauler with a fleet of 15 power units transporting diesel and gasoline between terminals, refineries, and retail sites. A waste management carrier hauling industrial or regulated waste interstate for treatment, recycling, or disposal. Coverage Highlights and Advantages Comprehensive General Liability and Pollution Liability options, with program minimum premiums beginning around $20,000. Auto Liability and physical damage solutions tailored to fleets that handle hazardous loads, with Auto minimums starting near $10,000. Access to multiple ‘A’-rated admitted carriers as well as non-admitted markets to handle complex or large-limit needs. Flexible terms available to match high-hazard exposures, specialized hauls, and multi-state operations. Underwriting Notes and Submission Requirements To obtain a competitive quote and full underwriting consideration, provide complete submissions that include: Five-year payroll history Five years of currently valued carrier loss runs by line (must be within 120 days of the requested effective date) ACORD applications/forms by line of coverage requested Completed supplemental applications Download the Hazardous Material and Hazardous Waste Transporters Data Sheet for full submission details. Territories and Availability This program is available nationwide in the U.S., except Massachusetts. Sloan Mason can place accounts that operate locally, regionally, or across multiple states and will work to match the risk to admitted or non-admitted markets as appropriate. Why Work With Sloan Mason Insurance Services, Inc.? As a wholesale broker with deep experience in complex transportation risks, Sloan Mason specializes in hazardous materials and waste haulers. Our underwriting team understands the operational and environmental exposures unique to these accounts and leverages long-standing carrier relationships to secure capacity—even for accounts with challenging loss histories or specialized operations. We provide practical placement guidance, timely responses, and access to markets that can accommodate high limits and specialized endorsements. Frequently Asked Questions What types of accounts are a good fit for this program?Companies with at least 10 power units and a minimum of 25% of operations dedicated to transporting hazardous materials or hazardous waste are ideal candidates for this program. Is this program available in all states?Coverage is available in all U.S. states except Massachusetts. What are the minimum premiums for this program?Minimum premiums typically start at $20,000 for General Liability and Pollution coverage, and $10,000 for Auto coverage, depending on the account and coverages requested. What documentation is required for a quote?Provide five years of payroll history, five years of currently valued loss runs by line, ACORD forms, and completed supplemental applications to receive a full underwriting review. Are admitted carriers available for this program?Some admitted markets are available, but the program commonly uses non-admitted carriers to offer flexibility and capacity for complex or high-limit accounts. Need help placing an account? Connect with a market specialist.

...sses operating in the maritime and waterfront sectors. As a wholesale broker w...onal realities on docks, vessels, and waterfront job sites. Underwriting Note...

Sloan Mason Insurance Services, Inc. specializes in placing challenging and hard-to-place risks, with a strong focus on Product Liability Insurance and General Liability coverage. As a wholesale broker with access to multiple carriers, Sloan Mason offers flexible solutions for manufacturers and distributors whose products or operations fall outside of standard underwriting appetites. Whether your client produces industrial components or consumer goods, Sloan Mason can help tailor a liability policy that addresses complex exposures and risk transfer needs. Ideal Accounts and Appetite Sloan Mason is a strong market for agents and brokers working with niche or higher-risk manufacturers and distributors. They regularly consider accounts involving: Amusement Devices Automobile/Truck Parts (non-critical) Boats and Marine Products Chemicals and Pharmaceuticals Consumer Products and Toys Contractors Equipment and Machinery Fireworks Medical and Diagnostic Equipment Personal Protective Equipment Lawn & Garden Equipment Mining and Railroad Equipment Pesticides and Plastics Printing Presses Sporting Goods (excluding football helmets and trampolines) Trailers, Tanks, and Valves And more You might have a client who manufactures aftermarket marine components or distributes specialty consumer electronics—both examples of accounts Sloan Mason can evaluate. Their underwriters are prepared to review applications with unique exposures that traditional markets may decline. Coverage Highlights and Advantages Sloan Mason’s Product Liability solutions are built for complexity. Key benefits include: Access to multiple carriers, including some admitted markets where available Customized terms, including high deductibles and self-insured retention options Capacity up to $2 million per occurrence Support for emerging product technologies and legacy product exposures Their tailored approach makes them a valuable partner when navigating liability issues tied to manufacturing, importing, or distributing goods with challenging safety, compliance, or usage factors. Underwriting Notes and Minimum Premiums Limits available up to $2 million per occurrence Minimum premium: $15,000 for $1 million limit Minimum deductible: $10,000 Due to the specialized nature of this program, complete application submissions and detailed product information are strongly encouraged to ensure the best possible underwriting outcome. Territories and Availability This Product Liability Insurance program is available in most U.S. states, including but not limited to CA, TX, FL, NY, IL, and PA. Sloan Mason supports licensed agents and brokers across 48 states and Washington, D.C. Reach out to confirm specific state availability or to discuss multistate exposures. Why Work With Sloan Mason With years of experience in placing hard-to-place liability risks, Sloan Mason brings deep underwriting knowledge, a responsive service model, and access to multiple markets to help you secure reliable coverage for your manufacturing and distribution clients. Their strength lies in evaluating risks that require a more thoughtful, customized strategy—especially when standard markets say no. Call Sloan Mason today to discuss your Product Liability Insurance opportunities and get expert help navigating this complex line of business. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for manufacturers and distributors of products with elevated liability exposures, including amusement devices, consumer goods, medical equipment, and specialty machinery. Are admitted markets available for this coverage?Yes, Sloan Mason has access to both admitted and non-admitted markets, depending on the state and risk profile. What is the minimum premium for this Product Liability program?The minimum premium starts at $15,000 for $1 million in coverage, with higher limits available. Are certain products excluded from coverage?Yes, Sloan Mason does not typically write football helmets or trampolines. All submissions are reviewed on a case-by-case basis. Which states is this program available in?This program is available in most U.S. states, including CA, TX, NY, FL, and many others. Contact Sloan Mason to confirm availability in your client’s state. Need help placing an account? Connect with a market specialist.