General Liability Insurance for Flat Concrete Contractors

Flat concrete contractors face distinct liability exposures because their work forms the foundation for structures and surfaces. Defective workmanship, inferior materials, or unexpected site conditions can lead to expensive claims—even years after a job finishes. Novatae Risk Group’s General Liability Insurance for Flat Concrete Contractors helps your clients manage those risks with tailored coverage and underwriting expertise.

Through our relationship with Empire Underwriters, Novatae provides access to a program supported by “A”-rated admitted and non-admitted carriers. The program is built for small to mid-sized flat concrete contractors with annual payrolls under $1,000,000. Whether your client does smooth concrete, decorative finishes, or commercial and residential slabs, this market offers focused coverage and underwriting guidance designed for the trades you place.

To discuss Flat Concrete Contractor accounts, call our brokers at 800-758-8113.

Overview of the Program:

This general liability program addresses the common and specialized exposures of flat concrete contractors working in residential and light commercial sectors. Coverage and endorsements are targeted to risks associated with flatwork slabs, decorative concrete, cleaning services, footers, and related site work.

Ideal Accounts and Target Appetite:

We are actively seeking small to medium-sized contractors with less than $1,000,000 in annual payroll. Target operations include:

• Smooth concrete flatwork (driveways, sidewalks, patios)
• Decorative, stamped, and finished concrete
• Concrete cleaning and restoration services
• Residential and light commercial slabs and footings

Example fits: you might have a client who installs residential driveways and patios or a subcontractor placing slabs on small commercial projects. Those operations typically match this program’s appetite.

Coverage Highlights:

• Blanket Additional Insured
• Waiver of Subrogation
• Primary and Non-Contributory wording
• Per-project aggregate limits
• Subsidence coverage (subject to limitations)
• Prior project coverage (subject to limitations)

Underwriting Requirements and Minimum Premium:

• Completed ACORD applications
• 3–5 years of currently valued loss runs
• Supplemental contractor application
• Project-specific pollution application (if applicable)

Minimum premiums typically start at $1,500, and final pricing depends on state and class codes.

Territories and Carrier Access:

Coverage 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 place both admitted and non-admitted options with highly rated carriers (up to A-XV) depending on state and risk profile.

Why Work With Novatae Risk Group:

As a wholesale broker focused on construction, Novatae Risk Group delivers responsive service, deep market access, and practical underwriting support. We understand flat concrete exposures and work with brokers to place hard-to-bind or nuanced accounts efficiently. Our relationship with Empire Underwriters gives you expanded carrier options and tailored wording that matter on construction projects.

Need a quote for a flat concrete contractor?

Email submissions to [email protected] or call 800-758-8113 to speak with an underwriter.