Garage door installers play a critical role in residential and commercial property safety and functionality. As an agent or broker, you need a reliable wholesale market that understands the unique exposures these contractors face — from property damage and bodily injury to completed operations and project-specific pollution. Novatae Risk Group offers a focused General Liability Insurance program tailored for garage door installation businesses so you can place small to mid-sized contractor accounts with confidence.
Through our partnership with Empire Underwriters and an “A” rated carrier, Novatae delivers a comprehensive General Liability solution built for the garage door industry. Our underwriting team is familiar with on-site risks, contract requirements, and endorsement needs for both residential and commercial work. We emphasize quick, responsive service to keep your submissions moving.
Program Overview
This program targets small to medium-sized garage door installation contractors with annual payrolls under $1,000,000. We write risks involved in new construction, remodeling, and repair — whether a client installs doors for new home developments or services commercial roll-up doors in office parks.
Target Risks and Eligible Accounts
Ideal accounts include contractors who:
- Perform new residential or commercial construction, including single-family homes
- Provide remodeling and repair services on existing homes or buildings
- Have operations where at least 75% of work falls within approved class codes
Examples: a small company installing sectional garage doors for a suburban builder, or a contractor servicing and replacing commercial roll-up doors for retail and office parks.
Coverage Highlights
The program includes liability enhancements that help your clients meet contract requirements and manage exposures:
- Blanket Additional Insured endorsements
- Waiver of Subrogation
- Primary and Non-Contributory wording
- Per-project Aggregate limits
- Subsidence coverage (subject to limitations)
- Limited coverage for Prior Projects
Submission Requirements
- Completed ACORD applications
- 3–5 years of currently valued loss runs
- Completed supplemental application
- Project-specific pollution application, if the account includes pollution exposures
Minimum Premium and Underwriting Notes
Minimum premium starts at $1,500. Our underwriters evaluate class codes, job mix, safety practices, and loss history. Accounts with frequent losses, substantial pollution exposures, or operations outside approved class codes may be declined or require specialty handling.
Territory and Carrier Information
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 provide both admitted and non-admitted options through carriers rated as high as A-XV.
Why Work With Novatae Risk Group?
Novatae Risk Group is a specialist wholesale broker with deep contractor expertise and access to top-rated markets. When you work with us you get:
- Direct access to dedicated brokers who understand garage door contractor exposures
- Responsive underwriting and timely quote turnaround
- Flexible admitted and non-admitted placement options to meet contract needs
- Support with endorsements and certificate requirements
For more information or to discuss a specific account, call us at 800-758-8113 to speak with an experienced broker.
To submit for a quote, email your applications and coverage needs to [email protected].
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is designed for small to mid-sized garage door installation contractors with annual payrolls under $1,000,000. Both residential and commercial project work are eligible, provided operations align with approved class codes.
Are both new construction and repair jobs eligible?
Yes. We accept risks involved in new construction, remodeling, and repair for residential and commercial properties.
What states is this program available in?
The 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.
What documents are needed to submit an account?
We require completed ACORD applications, 3–5 years of currently valued loss runs, a supplemental application, and a project-specific pollution application when pollution exposures apply.
Is the coverage on an admitted basis?
We offer both admitted and non-admitted placements depending on the state and the account profile, using carriers rated as high as A-XV.
Need help placing an account? Connect with a market specialist.