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BERT Emergency Response Training: BERT International is a non profit organization that prepares business managers and executives to take care of themselves and their families during large scale emergencies until first responders arrive. The company offers online and in person training for anyone who wants to be more prepared during active shooter events, natural disasters and other emergencies that affect the workplace. Mission/Purpose: BERT Emergency Response Training's mission is to develop the expertise, relationships and tools to help you prepare for, respond to and recover from large scale emergencies.… alleviating fear since 2008 Key Facts: • BERT stands for Business Emergency Response Training. • During its training, BERT reminds civilians to: Be Calm, Evaluate and Plan, Review for safety concerns and Take Action • BERT works with business leaders and first responders to form a team approach to successfully managing an unexpected disaster or event. BERT Emergency Response Training Participant Testimonial : ...the other day I watched a wreck on I-10 where a car hit a truck and sent it out of control to where it flipped into the other lane. Your course kicked in.... Me and my guy jumped out of our truck I told him to call 911 and get that handled and I ran to the old man in the truck. A lady stopped and asked what she could do... I sent her to my truck and gave her my employee's name to ask for my first aid box. The others came up and asked, I had them directing traffic until authorities came up and I was putting bandages on the 92 year old head to stop the bleeding. Then another man came up with a medical kit and I asked if he had any training and he had first responders cert so I then stepped back and took direction from him until the medical staff got there to take him to the hospital. The old man never passed out and never complained. The rail of the truck or the strut that holds the roof bent down and scalped the old man when the truck flipped. After it was over, I thought of your (BERT) training and the fact that it all fell into place. To get training and more information about the BERT Foundation and its activities, please contact: Scott Robertson, APR Robertson Communications Corp. 949-212-7096 [email protected] http://www.bertinc.org/

Construction & Contractors Insurance Program from Kaigler & Company Kaigler & Company offers a flexible construction and contractors insurance program available nationwide. Designed for accounts that are difficult to place in standard markets, the program pairs experienced underwriting with access to multiple specialty carriers to help you place complex or high-hazard construction risks with confidence. Ideal Accounts and Appetite This program fits both general and trade contractors, especially those that need a specialized market. Typical guidelines include: General contractors with substantial subcontracting (up to 95% subcontracted work) Trade contractors with limited subcontracting (generally up to 20%) Heavy construction and infrastructure contractors with elevated hazard profiles Target classes include roofing, structural steel erection, bridge/street/road and pipeline construction, excavation, millwright services, marine and wet work, cranes and rigging, and high-steel operations. Kaigler & Company will consider both small town trades and large infrastructure contractors when their exposures match the carrier appetites. Coverage Highlights and Advantages The program emphasizes primary general liability and umbrella/excess capacity tailored to construction exposures. Working with multiple carriers allows underwriters to customize limits, endorsements, and terms for operations involving hot work, work at elevation, over-water exposures, heavy equipment, or other elevated hazards. Examples of accounts that may be a good fit: A roofing contractor with prior claim activity that needs a market for renewal. A bridge contractor performing work over water that requires coordinated GL and excess limits. Underwriting Notes and Minimum Premiums Kaigler & Company focuses on “semi-tough” accounts—those that were declined or limited in standard markets but remain insurable with specialized underwriting. Artisan and tradesmen submissions generally begin at a minimum premium of $5,000. Underwriters are comfortable with detailed submissions that include loss runs, safety programs, and subcontractor oversight practices. Territories and Availability The program is available in all 50 states and the District of Columbia. Kaigler & Company can place business in coastal, inland, and remote regions by leveraging non-admitted capacity where appropriate. Why Work With Kaigler & Company? Kaigler & Company combines construction-specific underwriting expertise with access to multiple specialty markets. Their flexible approach and non-admitted options give agents more ways to place higher-risk or unusual accounts. If you need a market for complex construction exposures, Kaigler & Company aims to provide practical solutions and responsive service. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for general and trade contractors, including those with higher-risk operations such as roofing, steel erection, marine work, and infrastructure construction. Is this program available in all states?Yes. Kaigler & Company offers this construction program in all 50 states and the District of Columbia. What is the minimum premium for this program?Tradesmen and artisan contractor accounts generally start at a minimum premium of $5,000. Does the program accept accounts with a high percentage of subcontracted work?Yes. The program can accommodate general contractors with up to 95% subcontracted work and trade contractors with up to about 20% subcontracting, depending on the class and other risk factors. What coverage lines are available through this program?Primary general liability and umbrella/excess coverage are the core offerings, with tailored terms for construction-specific exposures. Need help placing an account? Connect with a market specialist.

For more than 30 years, Ohio E & S Agency has specialized in excess and surplus (E&S) lines placement for independent agents and brokers in Ohio and Michigan. Our long-standing relationships with leading E&S carriers — including Mid-Continent Insurance Company, Scottsdale Insurance Company, and a network of trusted brokerages — give you access to flexible, competitive markets for hard-to-place or non-standard risks. Service and speed are core to how we work. For risks we can rate in-house, our underwriters typically return indicative terms within 1 to 3 business days. Our team focuses on practical, marketable solutions and helps you navigate non-admitted placement options when admitted capacity is limited. Ideal Accounts and Appetite Ohio E & S Agency writes property and casualty risks that the standard market often declines or restricts due to prior losses, unique exposures, or non-standard operations. Target classes include, but are not limited to: Commercial property with higher-risk characteristics or prior claims General liability for contractors, manufacturers, and specialty operations Professional liability for both for-profit and non-profit organizations Directors & Officers (D&O) liability Employment Practices Liability Insurance (EPLI) Self-insured workers’ compensation excess Commercial umbrella and excess liability We do not write auto fleets, long-haul trucking, or garage liability exposures. Coverage Highlights and Advantages Our E&S capacity helps you place accounts with unusual loss histories, uncommon exposures, or limited operating histories. Key advantages include: Access to admitted and non-admitted markets through established carrier and brokerage relationships Customizable excess and umbrella limits to match complex liability profiles Professional and management liability products, including D&O and EPLI Flexible terms for emerging or niche exposures that need tailored language Typical fits include clients who own multiple vacant commercial buildings, contractors with atypical operations, or non-profits seeking D&O and EPLI solutions. Underwriting Notes and Minimum Premiums We evaluate risks on a case-by-case basis and aim to provide quick, indicative terms for accounts we can rate internally. Turnaround is typically 1–3 business days for in-house quotes. Minimum premiums vary by line and carrier; underwriters will advise on specific minimums once the risk and desired coverage are identified. Provide loss runs, detailed descriptions of operations, and any risk-control measures to speed the review. Territories and Availability This program is available to properly licensed agents and brokers in Ohio and Michigan. Most placements are completed on a non-admitted (E&S) basis, though admitted options may be available in certain states or for select risks through our carrier partners. Why Work With Ohio E & S Agency Agents choose Ohio E & S Agency for our depth of E&S experience, responsive underwriting team, and practical approach to placing difficult risks. We combine decades of market knowledge with strong carrier relationships to help you close business that might otherwise be hard to place. Work with us when you need fast, market-aware underwriting and access to specialty capacity. Learn more about our capabilities by visiting our company profile or start placing business through our storefront. Frequently Asked Questions What types of accounts are a good fit for this program?We’re best for accounts the standard market will not fully accept or will price restrict—examples include commercial property with prior losses, specialty contractors, and non-profits needing D&O or EPLI coverage. What coverages does Ohio E & S Agency offer?We place non-admitted property and casualty, professional/management liability (D&O, EPLI), self-insured workers’ comp excess, and umbrella/excess liability. We do not place auto, long-haul trucking, or garage liability. How quickly can I expect a quote?For risks we can rate in-house, you can expect indicative terms within 1 to 3 business days. More complex submissions that require brokerage placement may take longer. Which states is this program available in?This program supports licensed agents and brokers in Ohio and Michigan. Most business is placed non-admitted, though admitted options may be available in select situations. Do you offer admitted coverage?Most placements are non-admitted E&S lines. We do have access to admitted markets through carrier partners in some states or for specific risks—ask an underwriter for details. Need help placing an account? Connect with a market specialist.

...ractors, ROV operators, dredging companies, and marine salvage businesses. Wha...

Sloan Mason Insurance is pleased to offer access to a highly competitive Marine and Subsea Equipment Insurance program specifically tailored for owners and operators of specialized marine equipment. Whether your client’s equipment is onboard a vessel, on dry land, or operating over-side, this program is designed to provide comprehensive protection with flexible terms. Ideal Accounts and Target Equipment This program is ideal for insureds who own or operate high-value marine and subsea equipment used in industries such as marine construction, offshore energy, oceanographic research, and diving operations. Coverage applies whether the equipment is in use, in transit, or in storage. Contractors Equipment Construction Equipment Oil Field Equipment Remotely Operated Vehicles (ROVs) On-vessel Fixed Equipment Not Covered by Hull Insurance (e.g. Cranes, Hyperbaric Chambers) Oceanographic Survey Equipment (excluding steamer operations) Trenchers and Ploughs Dive Bells Coverage Highlights and Advantages Key benefits of the program include: Worldwide comprehensive all-risks coverage for all owned or operated equipment New-for-old loss settlement for total losses Flexible underwriting and pricing based on usage and geographic location Automatic coverage for additional equipment during the policy period (up to 125% of the total sum insured) 24/7 protection while in storage, transit, onboard, or in operation Free wreck removal coverage up to USD $25,000 per loss and USD $200,000 aggregate annually (marine equipment) Free loss of revenue coverage following equipment damage or loss: up to USD $300,000 per loss and USD $1,000,000 aggregate (each account separately) No claims bonus available Underwriting Requirements and Minimum Premiums To obtain the best terms and a full underwriting review, the following documentation is required: Completed and signed ACORD application Detailed equipment schedule in Excel format Currently valued loss runs for the past 5 years Minimum premiums vary depending on the size and nature of the risk. Territories and Availability This program is written on a non-admitted basis and is available in all 50 states, including Washington DC. Sloan Mason works with various carriers to deliver specialized solutions nationwide. Why Work With Sloan Mason Insurance As a wholesale broker with deep experience in complex and hard-to-place risks, Sloan Mason Insurance offers agents and brokers access to specialized marine insurance programs backed by flexible underwriting and responsive service. Their Marine and Subsea Equipment Insurance Program is built to address the unique risks faced by marine contractors, offshore operators, and subsea service providers. If you have clients operating ROVs, dive systems, or oceanographic equipment—especially those working internationally or in challenging marine environments—this program is designed to offer the robust coverage they need. Please view our Marine and Subsea Equipment Insurance Program Data Sheet for more detailed information. Frequently Asked Questions What types of accounts are a good fit for this program?This program is well-suited for businesses that own or operate marine and subsea equipment, including contractors, offshore service providers, dive operations, and oceanographic research firms. Is coverage available for equipment that is not onboard a vessel?Yes, coverage applies whether the equipment is onboard a vessel, over-side, in transit, or in storage on land. Are additional equipment acquisitions during the policy period covered?Yes, the policy includes automatic coverage for additional equipment up to 125% of the total sum insured during the policy period. Which states is this program available in?The program is available in all 50 states and Washington DC on a non-admitted basis. What documents are required to obtain a quote?You’ll need a completed and signed ACORD application, a detailed equipment schedule in Excel format, and currently valued loss runs for the last five years. Need help placing an account? Connect with a market specialist.

General Contractors Insurance Overview of the Program From Legends Environmental Services Legends Environmental Services offers a robust General Contractors Insurance program designed specifically for construction professionals. As a general agency and carrier with deep market access and industry knowledge, Legends brings specialized solutions for a wide range of contractor-related exposures. Whether your client is building custom homes or managing commercial renovations, this program provides the coverage flexibility and underwriting expertise you need to place quality business. Ideal Accounts and Appetite This program is tailored for general contractors and eligible subcontractors operating in both residential and commercial construction. Here’s a breakdown of the target classes: General Contractors Available in all states except NY, NV, CO, and LA Custom homebuilders preferred; tract builders allowed up to 25 homes Residential, commercial, condos, and townhomes (new construction and remodel) Revenue sweet spot is up to $10 million, but larger accounts will be considered Subcontractors (Interior Trades Only) Includes plumbers, electricians, HVAC, etc. Excludes roofers, framers, foundational work, pool contractors, waterproofing, fire sprinklers, elevator work, and shoring Accepts both residential and commercial work, including new and remodel projects Example: You might have a custom homebuilder with annual revenues under $10 million who also manages small condo developments—this account would be an excellent fit. Coverage Highlights and Advantages Includes Contractors Pollution Liability (CPL) with mold coverage Competitive rates and terms Coverage can be structured for silent subsidence Subcontractor work is covered, subject to eligibility Potential for defense costs outside the limits Underwriting Notes and Minimum Premiums Minimum premiums start at $4,500 Minimum retentions begin at $2,500 Maximum policy limits of $2M/$2M/$2M This is a non-admitted program with flexible underwriting, allowing you to place accounts that may not fit standard markets. Territories and Availability This program is available in most states across the U.S., with the exception of New York, Nevada, Colorado, and Louisiana. Agents can access coverage in states including California, Texas, Florida, Illinois, Washington, and many more. Why Work With Legends Environmental Services? Legends Environmental Services brings deep expertise in construction-related risks and access to multiple carriers, making them a reliable partner for hard-to-place or specialized contractor accounts. Their flexible underwriting approach and competitive options make them an excellent choice for agents looking to expand their contractor book with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for general contractors and select subcontractors in residential and commercial construction, especially custom homebuilders and remodelers with revenues under $10 million. Are subcontractors eligible for coverage?Yes, subcontractors performing interior trades such as plumbing, HVAC, and electrical work are eligible. However, roofers, framers, and other high-risk trades are excluded. Is this program available in all states?No, it is not available in NY, NV, CO, or LA. It is offered in most other states, including CA, TX, FL, IL, and many others. What are the minimum premium and retention requirements?The minimum premium starts at $4,500, with retentions beginning at $2,500. These may vary depending on the account specifics. Does the policy include coverage for pollution or mold?Yes, Contractors Pollution Liability (CPL) coverage with mold is included, providing valuable protection for environmental exposures. Need help placing an account? Connect with a market specialist.

...r client operates a full-service wrecking yard or a self-service dismantling l...eal accounts include salvage yards, wrecking yards, and auto dismantlers — bot...

At Global Marine Insurance, boats and yachts are our sole focus. We specialize exclusively in marine insurance and provide tailored coverage solutions for a wide range of vessels, from small boats and cruisers to sailboats, sport fishers, motor yachts, and luxury yachts. Whether your client uses their vessel for weekend getaways, full-time cruising, or tournament fishing, we can customize a policy that fits their lifestyle and risk exposure. As a general agency licensed in all 50 states, we partner with top-rated carriers including ACE, AIG, American Reliable, Geico, Markel, Progressive, and Travelers. All of our markets are A-rated or better, giving you access to quality coverage options for both admitted and non-admitted placements depending on the specific risk and state requirements. Ideal Accounts and Appetite Our program is designed for a variety of personal and commercial marine risks. Ideal accounts include: Recreational boat owners with vessels valued at $25,000 and up High-value yachts and performance boats Liveaboard vessels or boats used seasonally in multiple states Clients requiring specialized navigation territories (e.g., Bahamas, Gulf Coast, Great Lakes) You might have a client who just purchased a $300,000 motor yacht and plans to cruise from Florida to the Carolinas seasonally—our program is built for exactly that type of risk. Coverage Highlights and Advantages Coverage is tailored to each boat and lifestyle, with options that may include: Agreed value or actual cash value hull coverage Liability protection including pollution and wreck removal Personal effects and emergency towing Uninsured/underinsured boater protection Flexible navigation limits and lay-up options We understand the nuances of marine insurance and help agents navigate the underwriting process swiftly and efficiently. Underwriting Notes and Minimum Premiums The minimum premium starts at $100, making this program accessible for entry-level boat owners while still offering robust solutions for high-value yacht portfolios. There are no sign-up fees and no minimum production requirements for agents. Appointment forms are available through our agent portal at www.quotecommand.com. We're here to help you write and retain marine business with confidence. Territories and Availability We are licensed and actively writing in all 50 states, including coastal and inland markets. Whether your client is based in Florida, California, the Great Lakes region, or anywhere in between, we have a solution that fits. Why Work With Global Marine Insurance With decades of marine-only experience, Global Marine Insurance offers unmatched expertise in this niche. Our dedicated team understands the unique risks your boat and yacht clients face and has the carrier relationships to deliver competitive, reliable solutions. From quoting to servicing, we make it easy for agents to grow and support their marine insurance book. If you have any questions or would like to speak with a member of our sales team, call us toll-free at (800) 748-0224 or visit us online at globalmarineinsurance.com. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for personal and commercial clients with recreational boats, cruisers, sailboats, sport fishers, motor yachts, and luxury yachts. High-value vessels and clients with complex navigation needs are also a great fit. Is there a minimum premium requirement?Yes, the minimum premium starts at $100, making it accessible for smaller boats while still supporting larger vessels with more complex coverage needs. Do I need to meet production requirements to access this program?No, there are no minimum production requirements or sign-up fees to work with Global Marine Insurance. Which states is this program available in?The program is available in all 50 states, including coastal regions, inland waterways, and Great Lakes territories. What carriers does Global Marine Insurance work with?We offer access to A-rated carriers including ACE, AIG, American Reliable, Geico, Markel, Progressive, and Travelers. Need help placing an account? Connect with a market specialist.