Commercial Insurance Frequently Asked Questions
Find answers to common questions about commercial insurance coverage options for your business.
If you have additional questions, please contact us for personalized assistance.
General Liability Insurance
What is General Liability Insurance and why do I need it?
General Liability Insurance protects your business from claims involving bodily injury, property damage, and advertising injury that occur on your premises or as a result of your operations. It’s essential because even a minor slip-and-fall accident can result in costly lawsuits that could threaten your business’s financial stability.
What does General Liability Insurance NOT cover?
General Liability does not cover professional errors or omissions, employee injuries (covered by Workers Compensation), intentional damage, pollution, auto accidents, or damage to your own property or products. These require separate coverage types.
How much General Liability coverage should my business carry?
Most businesses carry $1 million per occurrence and $2 million aggregate, though requirements vary by industry, contract requirements, and risk exposure. High-risk industries or those with significant client interaction may need higher limits.
Does General Liability cover legal defense costs?
Yes, General Liability policies typically cover legal defense costs, including attorney fees, court costs, and settlements or judgments, up to your policy limits.
Commercial Auto Liability
What’s the difference between personal auto insurance and Commercial Auto Liability?
Commercial Auto Liability covers vehicles used for business purposes, including higher liability limits, coverage for employees driving company vehicles, and protection for various vehicle types like trucks and vans. Personal auto policies typically exclude business use.
Does Commercial Auto cover employee-owned vehicles used for business?
This depends on your policy. A standard Commercial Auto policy covers company-owned vehicles. For employee-owned vehicles used for business, you may need hired and non-owned auto coverage as an addition to your policy.
What factors affect my Commercial Auto insurance rates?
Rates are influenced by your driving records, the types of vehicles, how vehicles are used, annual mileage, geographic location, number of drivers, cargo being transported, and your claims history.
Are rental vehicles covered under my Commercial Auto policy?
Most Commercial Auto policies include coverage for hired (rented) vehicles when used for business purposes, but you should verify this with your policy and ensure adequate limits.
Workers Compensation Insurance
Is Workers Compensation Insurance required for my business?
Requirements vary by state, but most states require Workers Compensation if you have employees. Some states have exceptions for very small businesses or specific industries. Independent contractors typically aren’t covered, though misclassification can create liability.
What does Workers Compensation Insurance cover?
Workers Compensation covers medical expenses, rehabilitation costs, lost wages, and disability benefits for employees injured on the job or who develop work-related illnesses. It also provides death benefits to dependents if a work-related fatality occurs.
Can employees sue my business if they’re covered by Workers Compensation?
Generally, no. Workers Compensation is typically an “exclusive remedy,” meaning employees cannot sue their employer for workplace injuries covered by the policy. This protects both employees and employers.
How are Workers Compensation premiums calculated?
Premiums are based on your payroll, the classification codes assigned to different job types (based on risk level), your claims history (experience modification rate), and your state’s rating system.
Inland Marine Insurance
What is Inland Marine Insurance?
Despite its name, Inland Marine Insurance covers property in transit over land, mobile equipment, and property at various locations. It’s ideal for contractors’ tools and equipment, valuable inventory being transported, or businesses with mobile operations.
How is Inland Marine different from Commercial Property Insurance?
Commercial Property Insurance covers property at fixed locations. Inland Marine covers property that moves, is mobile in nature, or is at various locations. It “follows” your property wherever it goes.
What types of businesses need Inland Marine coverage?
Contractors, HVAC technicians, plumbers, electricians, IT consultants, photographers, event planners, and any business that transports equipment, tools, or inventory regularly should consider Inland Marine coverage.
Does Inland Marine cover theft of equipment from vehicles?
Yes, Inland Marine policies typically cover theft, including equipment stolen from vehicles or job sites, subject to your policy terms, limits, and deductibles.
Professional Liability Insurance
What is Professional Liability Insurance (Errors & Omissions)?
Professional Liability Insurance, also called E&O, protects your business against claims of negligence, mistakes, failure to deliver services, or misrepresentation in the professional services you provide. It covers legal defense and settlements.
Who needs Professional Liability Insurance?
Any business providing professional advice or services should consider this coverage, including consultants, accountants, architects, engineers, real estate agents, insurance agents, IT professionals, lawyers, and healthcare providers.
What’s the difference between General Liability and Professional Liability?
General Liability covers bodily injury and property damage from your business operations. Professional Liability covers financial losses clients suffer due to your professional mistakes, negligence, or failure to perform promised services.
Is Professional Liability Insurance claims-made or occurrence-based?
Professional Liability policies are typically claims-made, meaning the policy must be active both when the incident occurred AND when the claim is filed. This is why “tail coverage” is important if you switch insurers or retire.
Additional Coverage Types
Pollution Coverage
Pollution Liability Insurance protects businesses from claims arising from the release of pollutants, contaminants, or hazardous materials into the environment. This coverage is essential because standard General Liability policies typically exclude pollution-related claims. Pollution coverage addresses both sudden and gradual pollution events, including soil contamination, groundwater pollution, air quality issues, and improper disposal of hazardous materials.
This insurance is particularly important for contractors, manufacturers, dry cleaners, auto repair shops, property owners, and any business that handles, stores, or transports chemicals or fuel. Coverage typically includes cleanup costs, third-party bodily injury and property damage claims, legal defense expenses, and regulatory compliance costs. Policies can be site-specific or contractor’s pollution liability (CPL) for businesses working at multiple locations. With environmental regulations becoming increasingly strict and cleanup costs often reaching millions of dollars, Pollution Liability Insurance provides crucial financial protection. Even businesses that don’t consider themselves “polluters” can face exposure from historical contamination, fuel tank leaks, or accidental spills during operations.
Cyber Liability Insurance
Cyber Liability Insurance protects businesses from the financial consequences of data breaches, cyberattacks, and other technology-related security incidents. In today’s digital economy, businesses of all sizes store sensitive customer information, employee data, and proprietary business information electronically, making them vulnerable to cyber threats. This coverage addresses both first-party costs and third-party liability claims resulting from cyber incidents.
First-party coverage typically includes data breach response costs, forensic investigations, customer notification expenses, credit monitoring services, business interruption losses, cyber extortion payments, and data restoration costs. Third-party coverage protects against lawsuits from customers, partners, or other affected parties alleging privacy violations, failure to protect data, or transmission of malware. Cyber Liability also often includes regulatory defense costs, as many industries face strict data protection regulations like HIPAA, GDPR, or state privacy laws.
Every business that maintains customer data, accepts credit card payments, or relies on computer systems for operations should consider Cyber Liability Insurance. Cyberattacks are increasing in frequency and sophistication, and even small businesses are targets because hackers often view them as having weaker security defenses.
Builder’s Risk Insurance
Builder’s Risk Insurance is a specialized property coverage designed to protect buildings under construction, renovation, or major remodeling. This policy covers the structure itself, materials, fixtures, and equipment being installed during the construction period. Coverage typically extends from the start of construction until the project is completed, occupied, or the policy expires—whichever comes first.
Builder’s Risk policies protect against risks like fire, lightning, wind, hail, theft, vandalism, and other covered perils that could damage the project during construction. The policy can be purchased by property owners, general contractors, or subcontractors, and coverage can be written on a completed value basis (covering the full project value) or a reporting form (where values are reported as construction progresses).
Additional coverages often include soft costs like architectural and engineering fees to redesign damaged work, expediting expenses to speed up construction after a loss, and debris removal. Builder’s Risk is essential for construction projects because standard property insurance doesn’t cover structures under construction, and the exposure during building is significant. Projects are particularly vulnerable due to open structures, valuable materials on-site, and limited security before completion.
Excess and Umbrella Liability
Excess and Umbrella Liability Insurance provides additional liability protection above your underlying insurance policies, offering higher limits to protect your business from catastrophic losses. While these terms are sometimes used interchangeably, there are important differences. Excess Liability coverage sits directly over a specific underlying policy and only provides additional limits for that coverage—nothing more. Umbrella Liability is broader, providing coverage over multiple underlying policies (General Liability, Auto Liability, Employer’s Liability) and may also cover some claims not included in underlying policies, subject to a self-insured retention.
These policies are critical because a single severe accident, major lawsuit, or disaster could easily exceed standard policy limits. For example, if your General Liability policy has a $1 million limit but you face a $3 million judgment, an Umbrella policy would cover the additional $2 million. Umbrella policies typically start at $1 million and can extend to $25 million or more for larger organizations.
Most businesses benefit from Umbrella coverage because it’s relatively affordable compared to the protection provided—often costing less than increasing underlying limits. The coverage is particularly valuable for businesses with significant public exposure, multiple vehicles, numerous employees, or substantial assets to protect.
Surety Bonds
Surety Bonds are three-party agreements where a surety company guarantees to a project owner (obligee) that a contractor or business (principal) will fulfill specific obligations, complete work as promised, or comply with laws and regulations. Unlike insurance, which protects the policyholder, surety bonds protect the obligee (the party requiring the bond). If the principal fails to meet their obligations, the surety pays the claim and then seeks reimbursement from the principal.
There are several types of surety bonds including contract bonds (bid bonds, performance bonds, payment bonds) required for construction projects, commercial bonds needed for business licenses and permits, and court bonds required in legal proceedings. Performance bonds guarantee project completion according to contract terms, while payment bonds ensure subcontractors and suppliers get paid. License and permit bonds guarantee businesses will comply with regulations and ethical standards.
Obtaining surety bonds requires the surety company to evaluate the principal’s financial strength, experience, and capacity to complete the work. Strong financials, good credit, and proven track records make bonds easier and less expensive to obtain. For contractors and businesses in regulated industries, surety bonds are often mandatory requirements and serve as proof of credibility and financial stability.
Underground Storage Tank (UST) Insurance
What does UST insurance cover that the California USTCF state fund no longer provides?
California’s Underground Storage Tank Cleanup Fund (USTCF) has dramatically curtailed its coverage, leaving many tank owners with a significant gap in third-party liability and cleanup cost protection. A dedicated UST pollution liability policy fills that gap by covering third-party bodily injury and property damage claims from a release, regulatory-mandated cleanup costs, legal defense expenses, and corrective action costs — coverage the USTCF either no longer provides or has capped at levels far below actual exposure. If you own or operate USTs in California and have been relying on the USTCF as your primary financial assurance mechanism, you almost certainly need a private UST policy now.
Who is required to carry UST insurance in California?
California requires UST owners and operators to demonstrate financial responsibility under the State Water Resources Control Board (SWRCB) regulations. This applies to owners of underground storage tanks storing petroleum or hazardous substances. Financial assurance can be demonstrated through a UST pollution liability insurance policy, a state-approved surety bond, a letter of credit, self-insurance for large operators meeting net worth thresholds, or the USTCF — though USTCF eligibility has become increasingly restricted. Most small to mid-size operators now need private insurance to remain in compliance.
How much does underground storage tank liability insurance cost?
UST insurance premiums vary based on the number of tanks, tank age and condition, product stored (gasoline, diesel, used oil, hazardous substances), prior release history, site conditions, and coverage limits selected. For a single-site operator with newer tanks and no prior releases, annual premiums typically range from $2,500 to $8,000. Multi-site operators, older tank systems, or accounts with prior release history will see higher premiums. Coverage limits of $1 million per occurrence / $2 million aggregate are standard minimums; many regulators and lenders require higher. Contact CVI at (818) 974-8117 for a quote specific to your tank inventory and state requirements.
What is the difference between UST pollution liability and a standard General Liability policy?
Standard Commercial General Liability (CGL) policies contain a broad pollution exclusion that eliminates coverage for virtually all claims arising from the release of pollutants — and petroleum products are explicitly defined as pollutants. This means a fuel release from an underground storage tank that contaminates soil or groundwater, injures a third party, or triggers a regulatory cleanup order receives zero coverage under a standard GL policy. UST pollution liability is a specialized policy written specifically for these exposures. It covers sudden and gradual releases, cleanup costs, third-party claims, and regulatory defense — none of which a standard GL policy will touch.
Can I get UST coverage if I’ve had a prior release or a history of claims?
Yes, in many cases. As a surplus lines broker, CVI has access to specialty markets that underwrite USTs with prior release history, older tank systems, and accounts that have been declined by standard carriers. The key factors underwriters evaluate are the current status of any known releases (active vs. closed), tank age and upgrade status (double-walled with leak detection?), and the operator’s maintenance and compliance history. Prior releases do not automatically disqualify you — but they do require full disclosure and usually result in coverage being written on a claims-made basis. Call us at (818) 974-8117 to discuss your specific situation.
Oil & Gas and Control of Well Insurance
What is control of well insurance and who needs it?
Control of well insurance covers the extraordinary costs associated with regaining control of an oil or gas well that has experienced a blowout, kick, or loss of control. Coverage includes well-control expenses (firefighting, well-killing operations), re-drilling costs to restore the well to its pre-loss condition, seepage and pollution cleanup, and care, custody, and control liability. It is required by most operators for drilling contractors, well service companies, and exploration and production operators. Anyone who drills, completes, works over, or operates oil and gas wells should carry control of well coverage — the costs of a blowout without it can easily reach $10 million or more.
Does my General Liability policy cover a blowout or well kick?
No. Standard CGL policies exclude both the control of well exposure and the pollution liability that accompanies a blowout. Even if your GL policy does not have an explicit control of well exclusion, the costs of firefighting, re-drilling, and well-killing operations are property-damage and cost-of-control expenses that fall entirely outside standard GL coverage. Additionally, the pollution exclusion eliminates any claim arising from the release of hydrocarbons into the environment. You need a dedicated control of well policy — and ideally a separate pollution/OEE policy — to be properly covered for oil and gas drilling operations.
What is the difference between OEE (Operators Extra Expense) and control of well insurance?
These terms are often used interchangeably, but there is a technical distinction. Control of well coverage is the broader term and typically includes four insuring agreements: control of well costs, re-drilling and restoration, seepage and pollution liability, and care/custody/control of property. Operators Extra Expense (OEE) is a specific insuring agreement within many control of well forms that covers the extra expenses incurred during the well-control operation itself — things like specialist contractors, firefighting foam, and well-kill materials. When reviewing a control of well policy, confirm all four insuring agreements are included, not just the OEE component.
What does control of well insurance cost in Texas vs. North Dakota?
Premiums are driven primarily by well depth, formation type, wellbore pressure, location, and the contractor’s or operator’s experience and loss history — not simply by state. That said, North Dakota Bakken wells (typically 10,000+ feet, high-pressure horizontal completions) generally command higher premiums than shallower conventional Texas vertical wells. A typical drilling contractor working in the Permian Basin might pay $15,000 to $50,000 annually depending on the well program, while a Bakken operator running a more aggressive horizontal program could pay significantly more. Contact CVI for a program quote — we write control of well coverage in TX, ND, OK, WY, NM, and AK.
Do I need pollution liability if I already have control of well coverage?
Ideally yes — and here is why. Control of well policies include a seepage and pollution insuring agreement, but it is typically triggered by a well control event (a blowout, kick, or cratering). Pollution that arises from day-to-day operations — produced water spills, pipeline leaks, tank battery releases — falls outside control of well coverage. A separate Environmental Impairment Liability (EIL) or Operators Pollution Liability policy covers those ongoing operational pollution exposures. Many oil and gas operators need both: control of well for catastrophic loss of control events, and pollution/EIL for routine operational pollution liability.
Mining Insurance
What insurance does a mining operation need to satisfy MSHA requirements?
The Mine Safety and Health Administration (MSHA) does not mandate specific insurance policies the way some state agencies do, but it enforces compliance standards that create significant liability exposure. The core coverages a mining operation needs are: Workers Compensation (required by state law), General Liability, Pollution and Environmental Impairment Liability for tailings, process water, and runoff exposure, Inland Marine for equipment and mobile machinery, and Surety Bonds for reclamation obligations. Many states where CVI operates — Wyoming (WDEQ), Nevada, New Mexico, and Alaska — have additional bonding and insurance requirements specific to mining permits.
What is reclamation bonding and how much do I need?
Reclamation bonds are surety bonds required by state and federal agencies to guarantee that a mining operation will restore the land to an approved post-mining condition if the operator fails to do so or goes bankrupt. The bond amount is set by the regulatory agency (WDEQ in Wyoming, NDEP in Nevada, NMED in New Mexico, etc.) based on the estimated cost of reclamation — which can range from $5,000 for a small exploration operation to $200 million or more for a large open-pit mine. Bond amounts are recalculated as disturbed acreage grows. CVI works with surety markets that specialize in mining reclamation bonds across all states we serve.
Can I get mining insurance with a prior loss history?
Yes. As a surplus lines broker, CVI accesses specialty markets that evaluate mining risks that standard admitted carriers decline. Prior losses, high-hazard mining methods (underground, open pit blasting, hard rock), and newer operations without extensive track records are all risks we can work with. The key is full and accurate disclosure of loss history, current safety programs, and MSHA compliance record. Markets will price the risk accordingly, but coverage is generally available. Call CVI at (818) 974-8117 to discuss your operation and loss history before assuming you are uninsurable.
What states require surety bonds for mining operations?
All states with active mining regulation require some form of financial assurance for permitted mining operations. Among the states CVI serves: Wyoming requires reclamation bonds through WDEQ for coal, trona, uranium, and hard rock mining; Nevada through NDEP and the Division of Minerals; New Mexico through NMED; North Dakota through the Public Service Commission for coal operations; Alaska through ADNR and ADEC; and Oklahoma and Texas have requirements for specific mining and aggregate operations. Federal operations on BLM or Forest Service land must also post bonds under the Surface Management Regulations (43 CFR 3809). CVI writes mining surety bonds across all ten of our licensed states.
Surplus Lines and Hard-to-Place Insurance
What does it mean that CVI is a surplus lines broker?
A surplus lines broker is licensed to place insurance with non-admitted carriers — insurers not licensed in your state but legally authorized to write coverage there under surplus lines regulations. Surplus lines markets exist specifically for risks that admitted (standard) carriers decline: high-hazard industries, unusual operations, large limits, prior losses, or simply risks that don’t fit a standard underwriting box. CVI is licensed as a surplus lines broker in all ten states we serve, which gives us access to specialty markets — including Lloyd’s of London syndicates and U.S.-based E&S carriers — that standard agencies cannot access. For hard-to-place commercial risks, surplus lines placement is often the only viable option.
Why was my insurance application declined by standard carriers?
Standard admitted carriers use rigid underwriting guidelines and decline any risk that falls outside their appetite — regardless of how well-run your operation is. Common reasons for declination include: operating in a high-hazard industry (oil and gas, mining, abatement, cell tower construction); prior losses or claims; pollution or environmental exposure; working in remote or extreme conditions; insufficient operating history; or simply a business type the carrier has stopped writing. A declination from a standard carrier does not mean you are uninsurable — it means you need a surplus lines broker. That is exactly what CVI specializes in.
Is surplus lines insurance less reliable than admitted coverage?
Not in terms of claims-paying ability. The major surplus lines markets — Lloyd’s of London, AIG, Markel, Berkley, and others — are among the most financially secure insurers in the world. The key difference is regulatory: surplus lines carriers are not backed by your state’s guarantee fund, meaning if the carrier becomes insolvent, you don’t have the same safety net as with an admitted policy. This is why CVI only places coverage with financially rated surplus lines carriers (typically A.M. Best rated A- or better). For the high-risk industries we serve, surplus lines is not a fallback — it is the appropriate and often only market.
How long does it take to get a quote for a hard-to-place risk?
It depends on the complexity of the risk and how complete the submission is. A straightforward surplus lines GL quote for a contractor can come back in 24 to 72 hours with a complete application. A complex oil and gas, mining, or environmental program with multiple coverage lines, high limits, and prior loss history may take one to two weeks as underwriters review the submission and potentially request site inspections or additional information. CVI can often accelerate the process because of our established relationships with specialty underwriters. Calling us directly at (818) 974-8117 with basic details about your operation is always the fastest starting point.
What industries do you specialize in that standard brokers won’t touch?
CVI’s core specialties include: underground storage tank (UST) owners and operators; oil and gas drilling and production; control of well; fracking and well stimulation operations; hard rock and surface mining; environmental and abatement contractors (asbestos, lead, mold); cell tower construction and maintenance; storage tank installers and removal contractors; pollution transportation; and manufacturers with environmental or product liability exposure. These are industries where standard commercial brokers either lack market access, lack the technical underwriting knowledge, or simply decline to write the coverage. If you’ve been told “we don’t write that,” call CVI at (818) 974-8117.
Abatement and Environmental Contractor Insurance
What insurance does an asbestos abatement contractor need?
Asbestos abatement contractors have one of the most complex insurance profiles in the contractor space because standard GL policies either exclude asbestos entirely or severely sublimit asbestos-related claims. The core program for an abatement contractor should include: Contractors Pollution Liability (CPL) with asbestos, lead, and mold coverage specifically endorsed; General Liability written to complement the CPL and cover non-pollution claims; Workers Compensation with appropriate classification codes for abatement work; and Inland Marine for specialized equipment. Many project owners and general contractors also require that abatement subs carry limits of $5 million or higher, sometimes requiring umbrella or excess liability as well. CVI specializes in placing abatement contractor programs across all ten states we serve.
What is the difference between Contractors Pollution Liability (CPL) and Environmental Impairment Liability (EIL) for abatement contractors?
CPL (Contractors Pollution Liability) is a project-based or contractor-based policy that covers pollution conditions arising from the contractor’s work operations — it follows the contractor from job site to job site. EIL (Environmental Impairment Liability) is a site-specific policy that covers pollution conditions emanating from a specific owned or operated location. For an abatement contractor performing removal work at client sites, CPL is the appropriate coverage — it covers asbestos, lead, mold, and other hazardous material exposures arising from the removal and disposal process. EIL would be relevant if the contractor also owns a facility such as a staging yard or disposal site where contamination could occur.
Does CPL cover asbestos and lead removal operations?
Standard CPL policies exclude asbestos and lead by default. To get asbestos and lead coverage, the policy must specifically endorse those substances back onto the policy — this is not automatic and must be requested and confirmed in writing. When CVI places CPL coverage for abatement contractors, we specifically verify that asbestos, lead-based paint, and mold are covered perils under the policy form. We also check for PCO coverage at a contractor’s own premises, transportation coverage for waste in transit, and disposal site coverage. Do not assume your CPL covers asbestos removal without seeing it confirmed in the policy declarations or an endorsement.
Cell Tower Contractor Insurance
What makes cell tower contractor insurance different from standard contractor insurance?
Cell tower work combines several high-hazard exposures that standard contractor insurance programs exclude or severely restrict: working at extreme heights (towers of 200 to 2,000 feet), rigger’s liability for crane and rigging operations, electronics and equipment liability for damage to sensitive telecommunications hardware, and workers compensation exposures that most carriers decline entirely. Standard GL policies routinely contain height exclusions that eliminate coverage above 50 or 150 feet — rendering the policy worthless for tower climbers. A proper cell tower contractor program must specifically address height work, rigger’s liability, electronics errors and omissions, and workers comp written with the correct tower classification codes.
What is rigger’s liability and why do cell tower contractors need it?
Rigger’s liability covers damage to property of others — antennas, transmission equipment, tower components — that is in your care, custody, or control during lifting, hoisting, or rigging operations. Standard GL policies exclude property in the care, custody, or control of the insured — meaning if you drop a $200,000 antenna array while hoisting it to the top of a tower, your standard GL policy pays nothing. Rigger’s liability fills that gap. For cell tower contractors, where the equipment being installed is almost always owned by the carrier (AT&T, Verizon, T-Mobile) and extremely valuable, rigger’s liability is an essential — not optional — coverage.
Do standard workers compensation carriers write coverage for tower climbers?
Most standard admitted workers compensation carriers decline to write coverage for tower climbers due to the extreme height exposure and elevated fatality rate. The classification codes for tower climbing carry some of the highest experience modification factors in the workers comp system. CVI places workers comp for cell tower contractors through specialty surplus lines markets and non-admitted carriers that specifically underwrite this class. The key underwriting factors are safety program quality, fall protection protocols, OSHA compliance history, and foreman-to-climber ratios. A strong safety culture can meaningfully reduce premiums even in this high-hazard class.
What coverage limits do tower owners and wireless carriers require of contractors?
Requirements vary by tower owner and wireless carrier, but typical contractual insurance requirements for cell tower contractors include: General Liability of $2 million per occurrence / $4 million aggregate; Workers Compensation at statutory limits with Employer’s Liability of $1 million; Rigger’s Liability of $1 million to $5 million depending on the value of equipment being handled; Commercial Auto at $1 million; and an Umbrella or Excess Liability policy of $5 million to $10 million. Some tower owners (Crown Castle, American Tower, SBA Communications) have proprietary insurance requirement schedules that must be met exactly. CVI reviews contractor agreements and builds programs specifically to satisfy those requirements across all states we serve.
Still Have Questions About Your Specific Industry?
CVI specializes in hard-to-place commercial insurance for oil and gas, mining, storage tanks, abatement contractors, cell tower construction, and other high-risk industries. If you’ve been declined by a standard carrier or can’t find a broker who understands your business, call or text Steve McClure directly.
Contact CVI Today — (818) 974-8117
