Commercial Insurance Submission — Broker Email Template
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Revenue % & Payroll by Classification
Subject
Commercial Insurance Placement Submission: Multi-Classification Mobile Operations – MXM Turbinetec LLC
Dear [Broker Name or Marketing Team],
Please accept this email and the details below as our formal underwriting submission packet for our upcoming commercial insurance placement.
Our company operates under a highly structured regulatory framework. Per Section 2.3 of our Regulatory Alignment Policy, operations must strictly assign every field ticket, quote, and contract to its exact matching regulatory classification to ensure appropriate billing and compliance. Because our operations span specialized medical remediation and FAA-regulated mechanical maintenance, we require a broker with direct access to the Excess & Surplus (E&S) and Specialty Lines markets who can successfully place a blended multi-line portfolio.
1. Risk Profile & Operational Summary
Operating Model: 100% Mobile. We own/lease no fixed hangar facilities or hazardous storage yards. All services are performed entirely on-site at customer medical clinics, industrial facilities, and local airfields.
Aviation Credentials: 100% of our aviation mechanical maintenance is executed by fully certified, on-staff A&P (Airframe and Powerplant) mechanics. Complete FAA license verification and training records are available upon request.
Pollution Exposure Control: Our teams perform on-site cleaning and neutralization only. We do not transport, haul, or manifest hazardous or bio-medical waste off-site; all disposal is arranged directly by the client on their own premises.
2. Multi-Classification Coding (NAICS / SIC)
Primary Base NAICS: 561720 (Janitorial Services — Medical, clinical, and food spaces)
Secondary NAICS Codes: 811310 (Commercial Machinery Repair), 562910 (Remediation Services), 561790 (Industrial Pressure Washing), 488190 (FAA Mechanical Maintenance), 238990 (Specialty Trade Contractors).
Primary SIC Code: 7349 (Building Cleaning and Maintenance Services)
Secondary SIC Codes: 7699 (Industrial Machinery Repair), 4581 (Airports and Terminal Services), 1799 (Special Contractors).
3. Estimated Annual Revenue & Payroll Breakdown
To assist underwriters with premium rating, our projected split based on our multi-classification field ticket tracking is as follows:
- Medical Janitorial (561720): [ ]% of revenue | Estimated Annual Payroll: $[_________]
- Commercial Machinery Repair (811310): [ ]% of revenue | Estimated Annual Payroll: $[_________]
- Bio-Remediation Services (562910): [ ]% of revenue | Estimated Annual Payroll: $[_________]
- FAA Mechanical Maintenance (488190): [ ]% of revenue | Estimated Annual Payroll: $[_________]
4. Mandatory Policy Specifications & Endorsements
We require quotes for a coordinated insurance program featuring the following lines and specific language:
- Commercial General Liability (CGL): Must include a Per-Project / Per-Classification Aggregate endorsement and explicit Action-Over Coverage to protect against employee injury litigation.
- Aviation Products & Mobile Ground Hangarkeeper's Liability: Dedicated policy or specialized rider covering off-premises FAA mechanical maintenance (NAICS 488190) for aircraft under our temporary care, custody, and control.
- Contractors Pollution Liability (CPL): Must feature On-Site Focus extensions covering localized remediation operations (NAICS 562910). Policy must explicitly include coverage for Fungi, Mold, Legionella, Biohazard/Microbial matter, and a minimum 2-year Completed Operations discovery window.
- Commercial Auto: Must include the CA 99 48 (Pollution Liability Broadened Coverage) endorsement to cover accidental transit spills of our on-site cleaning chemicals.
- Inland Marine (Scheduled Equipment Floater): To cover our mobile pressure systems, diagnostic computers, and specialty mechanical tools while in transit and deployed on job sites.
- Workers' Compensation: Must allow a split-payroll system utilizing NCCI codes matching our NAICS tracking (e.g., 9014/9026 for janitorial, 3724/5190 for machinery, 7423/7409 for aviation ground crew) to ensure accurate auditing.
Please let me know what additional supplemental applications or loss runs you require to take this submission to market. I look forward to reviewing your indications.
Best regards,
[Your Name]
[Your Title]
MXM Turbinetec LLC
[Your Phone Number]