Novatae Risk Group offers a specialized General Liability Insurance program tailored for Commercial and Residential Developers through Empire Underwriters. Designed for agents and brokers seeking flexible, dependable coverage solutions, this program is backed by over 20 years of underwriting expertise in construction-related risks. With access to both admitted and non-admitted markets—including select Underwriters at Lloyd's of London—Novatae provides a competitive edge for hard-to-place and high-exposure accounts.
Our program is ideal for developers involved in mid- to large-scale construction projects, including both ground-up and renovation work. Whether you're working with new ventures or accounts with prior losses, we are equipped to handle challenging submissions with a responsive and knowledgeable underwriting team.
Ideal Accounts and Appetite
- Shopping Centers, Malls, and Retail Plazas
- Tract Home and Custom Home Builders
- Condominium and Apartment Complex Developers
- Hi-Rise Construction Projects
- Accounts with Prior or Open Claims
- New Ventures and Lapsed Policies
- Multi-State Operations
- Paper Contractors
- Hard-to-Place or Tough Classes
You might have a client developing a multi-unit condo building with prior claims history, or a new developer entering the market with a complex project. These are the types of accounts we can help you place.
Coverage Highlights and Advantages
- Access to multiple carriers for flexible quoting
- Fast turnaround times on submissions
- Coverage available in most states on either admitted or non-admitted paper
- Capability to offer CG201185 equivalent endorsements
- Deep underwriting knowledge in construction and development risks
Our brokers work directly with you to understand your client’s operations and identify the right coverage structure. We take pride in our consultative approach and attention to detail.
Submission Requirements
- ACORD 124 & 126 Applications
- 3–4 Years of Loss Runs
- Explanation of Lapses in Coverage (if applicable)
- Details on Any Large Losses
- Supplemental Questionnaire
Territories and Availability
This 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. We provide coverage through admitted and non-admitted carriers depending on the state and risk profile.
Why Work With Novatae Risk Group
As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group offers agents a trusted resource for placing complex construction liability risks. Our relationship with Empire Underwriters delivers access to a broad market selection, timely service, and seasoned underwriting insight. We welcome hard-to-place accounts and are committed to helping our broker partners grow their construction books with confidence.
Please contact us at 800-758-8113 to speak to our experienced brokers about your Residential and Commercial Developer General Liability Insurance accounts.
Do you need a General Liability Insurance quote for your Commercial and Residential Developer accounts?
Email your submission to [email protected] or call 800-758-8113 to connect with an underwriter today.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for commercial and residential developers, including tract home builders, condo developers, high-rise construction, and accounts with prior claims or lapses in coverage.
Can you help with new ventures or accounts with no prior coverage?
Yes, we welcome new ventures and are experienced in handling accounts without prior coverage or with lapsed policies.
Are both admitted and non-admitted options available?
Yes, we offer both admitted and non-admitted options through multiple carriers, including certain Underwriters at Lloyd's of London.
What states is this program available in?
Coverage is available in most states, including CA, FL, TX, NJ, and many others. Please refer to the full list above for all eligible states.
What documents are needed to submit an account?
We require ACORD 124 and 126 forms, 3–4 years of loss runs, a supplemental questionnaire, and details on any large losses or lapses in coverage.
Need help placing an account? Connect with a market specialist.