With the daily risks of running a small business, having reliable Commercial General Liability (CGL) insurance is essential. Whether incidents occur on-site, off-site, with employees, or customers, the right coverage protects your clients from costly exposures.
Novatae Risk Group offers a flexible and robust monoline General Liability program designed to meet the unique needs of small to mid-sized businesses across more than 200 classes. Our program is built for speed and flexibility—offering same-day quote, bind, and policy issuance capabilities to help you move quickly for your clients.
This program is available in most states and backed by A.M. Best rated carriers (as high as A-XV), with both admitted and non-admitted options. Whether you're working with a retail shop, contractor, or niche account, we provide access to markets that can handle a broad range of exposures.
Call our experienced brokers at 800-758-8113 to discuss your client's General Liability needs.
Program Highlights:
- SAME-DAY QUOTE, BIND, AND ISSUE!
- $1,000,000 / $2,000,000 CGL Limits on ISO Form Standalone
- Excess Liability up to $5,000,000 AVAILABLE
- Property Values up to $25,000,000 (Submit for Fast Approval)
Program Features:
- Carriers rated A-XV by A.M. Best
- Minimum Premium: $500
- Minimum Deductible: $500
- ISO Form General Liability
Target Accounts:
- Apartments
- Office Buildings
- Bed & Breakfasts
- Health Clubs
- Plant Nurseries
- Restaurants
- Upholsterers
- Retail Stores
- Hardware Distributors
- Gas Stations
- Mini-Golf Centers
- Appliance Distributors
- Gun Clubs
- Video Stores
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- Barber / Beauty Salons
- Home Improvement Stores
- RV Parks
- Funeral Homes
- Health & Sports Clubs
- Theatres
- Taxidermists
- Auto Parts Distributors
- Hotels / Motels
- Museums
- Open-Air Parking Lots
- Printers
- Warehouses
- Vacant Land & Property
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Target Contractor Classes:
We welcome a wide range of artisan contractor classes including Sewer Contractors, Roofers, Sign Erectors, Painters, Drywallers, Plumbers, Septic Tank Cleaners, HVAC Technicians, Appliance Installers, and Metal Erectors.
Submission Requirements:
- ACORD 125 and 126 for General Liability
- ACORDs for Property / Equipment if applicable
- 3 Years of Loss Runs
- Supplemental Application
Territories and Availability:
This program is available in AL, AK, AZ, CA, CO, CT, FL, GA, IL, KY, LA, MN, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, WV, and WI. Both admitted and non-admitted options are available depending on your client’s state and risk profile.
Why Work With Novatae Risk Group?
As a wholesale brokerage with extensive market access and underwriting expertise, Novatae Risk Group is committed to helping agents write more business quickly and efficiently. Our same-day processing capabilities, broad class appetite, and competitive pricing make this program ideal for agents looking to place a wide variety of small business accounts. Whether you're working with a roofer in Texas or a retail store in New Jersey, we can help you secure the coverage your clients need—fast.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program targets over 200 small to mid-sized business classes, including contractors, retail stores, apartments, restaurants, and more.
Can I get coverage issued the same day?
Yes, Novatae can quote, bind, and issue policies the same day for qualified submissions.
Is this program available on an admitted basis?
Both admitted and non-admitted options are available, depending on the risk and state.
What documents are required for a submission?
Submissions should include ACORD 125 and 126, 3 years of loss runs, and any applicable supplements or property/equipment ACORDs.
What is the minimum premium for this program?
The minimum premium starts at $500, making it accessible for even smaller accounts.
Need help placing an account? Connect with a market specialist.