Demolition contractors face some of the highest-risk exposures in the construction industry, and having the right general liability insurance in place is critical to protect their operations, employees, and future contracts. Novatae Risk Group, through its relationship with Empire Underwriters, offers a comprehensive General Liability Insurance program tailored specifically for demolition contractors of all types and sizes. Whether your client is handling hand demos on home remodels or managing large-scale mechanical or implosion projects, we can help you find the right coverage solution.
We specialize in working with tough classes, including operations with prior claims, open losses, or coverage lapses. Our underwriting team is experienced in evaluating complex risks and finding creative solutions, even for hard-to-place demolition contractors. With access to both admitted and non-admitted markets—including certain Underwriters at Lloyd's of London—we can accommodate a wide range of risk profiles and business structures.
Target Classes and Appetite:
- Hand Demolition Contractors (e.g., interior demo for remodels)
- Manual Demolition Contractors (for smaller structures)
- Mechanical Demolition Contractors (using heavy equipment)
- Implosion and Deconstruction Contractors
- Accounts with Prior or Open Claims
- New Ventures and Contractors with Lapsed Coverage
- Multi-State Operations
- Hard-to-Place Risks and Tough Classes
- Minimum: $40,000 in Payroll and 2 or More Employees
If you have a demolition client who’s been turned away by standard markets or needs a quick turnaround, we can help. For example, you might be working with a contractor who recently launched a multi-state demolition firm with a few employees and a solid safety record, but no prior coverage—this program is designed for scenarios like that.
Program Highlights:
- Fast Turnaround on Submissions
- Access to Multiple Carrier Options
- High and Low Deductible Programs Available
- Coverage Options Including CG201185 Equivalent
Submission Requirements:
- ACORD 124 & 126 Applications
- 3–4 Years of Loss Runs
- Details on Large Losses or Lapse Reasons
- Completed Supplemental Questionnaire
Territories and Availability:
This program is available in most states, including 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 offer both admitted and non-admitted options based on the risk and state regulations.
Why Work With Novatae Risk Group?
As a Managing General Underwriter and E&S Broker, Novatae Risk Group provides access to exclusive markets and underwriting expertise that can help you place difficult demolition accounts with confidence. Our team is responsive, knowledgeable about construction risks, and focused on helping brokers grow their business in this niche.
Need a fast quote for your demolition contractor client?
Send an email to [email protected] or call 800-758-8113 to speak directly with a knowledgeable underwriter.
Frequently Asked Questions
What types of demolition contractors are eligible for this program?
This program accepts hand, manual, mechanical, deconstruction, and implosion demolition contractors, including those with challenging risk profiles.
Can I submit accounts with prior claims or a lapse in coverage?
Yes, we consider accounts with prior or open claims, as well as new ventures and businesses with a lapse in coverage. Details will help us underwrite effectively.
What submission documents are required?
We need ACORD 124 & 126, 3–4 years of loss runs, a supplemental questionnaire, and explanations for any large losses or coverage lapses.
Is this program available in my state?
The program is available in most states, including CA, TX, FL, GA, NC, PA, and many others. Contact us to confirm availability for your specific state.
How quickly can I get a quote?
We offer fast turnaround—once we receive a complete submission, our underwriters work quickly to provide a quote.
Need help placing an account? Connect with a market specialist.