Window and door installers face a distinct mix of on-site and off-site exposures. Many firms operate a showroom or retail space while also performing installations at residential and commercial job sites. That dual exposure creates potential for property damage, third-party bodily injury, and job-site liability—risks that require a focused general liability solution.
Novatae Risk Group offers a dedicated General Liability Insurance for Door and Window Installers program, underwritten by Empire Underwriters, built for small to mid-sized contractors. The program targets contractors who perform interior and exterior door and window installations in new construction and replacement work, and provides policy features that help meet common contractual and project-based requirements.
Targeted Accounts and Market Focus
This program is designed for contractors with less than $1,000,000 in annual payroll engaged primarily in:
- Interior and exterior door installation
- Window installation for new homes and remodeling projects
- Commercial and residential replacement work
Examples of appropriate submissions: a contractor who installs windows for single-family home remodels, or a shop that sells and installs interior doors for small commercial buildouts—provided the account meets program guidelines.
Eligible and Ineligible Risks
- Acceptable: New residential and commercial construction, including single-family homes
- Acceptable: Repair and remodeling projects
- Required: At least 75% of operations must fall within the program’s approved class codes
Generally ineligible:
- New construction of condominiums, condominium conversions, and townhouses (some exceptions may apply)
- Projects involving structures taller than three stories (exceptions may be considered on a case-by-case basis)
Coverage Features
- Blanket Additional Insured endorsements to help satisfy contractual requirements
- Waiver of Subrogation options
- Primary and Non-Contributory wording
- Per-Project Aggregate limits
- Subsidence and Prior Projects coverage available with limitations
These features are aimed at reducing gaps in coverage and helping your insureds meet owner/GC and vendor contract conditions tied to installations.
Submission Requirements
- Completed ACORD applications
- 3 to 5 years of currently valued loss runs
- Supplemental application
- Project-specific pollution application, if applicable
Minimum Premium and Carrier Strength
Minimum premiums start at $1,500. Coverage can be placed through admitted and non-admitted carriers, including markets rated as high as A-XV, giving flexibility where admitted paper may not be available.
State 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. Contact Novatae to confirm availability for a specific location or project.
Why Work With Novatae Risk Group?
As a wholesale broker, Novatae Risk Group specializes in niche construction and trades programs. We provide access to quality carriers and underwriting tailored to the door and window trades. Our team understands the common exposures and can often provide quick turnarounds on submissions—helping you place accounts that may be difficult to bind in the standard market.
Need a quote? Email your submissions to [email protected] or call 800-758-8113 to speak with an experienced underwriter today.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Small to mid-sized door and window installation contractors with under $1 million in payroll, performing residential or commercial installations, are the primary candidates for this program.
Are both new construction and remodeling projects eligible?
Yes. The program accepts new construction and remodeling/repair work as long as 75% or more of the operations fall within the approved class codes.
What are some common ineligible risks?
New condominium construction, condominium conversions, townhouses, and projects on structures over three stories are typically ineligible, though exceptions may be reviewed on a case-by-case basis.
Which states is this program available in?
The program is available in over 25 states, including CA, TX, FL, GA, and NC. Contact Novatae to confirm availability for a specific state or project.
What documents are needed to submit an account?
Submit completed ACORD applications, 3–5 years of currently valued loss runs, the supplemental application, and a pollution/project application if required.
Need help placing an account? Connect with a market specialist.