Glass installation contractors face unique liability exposures across residential, commercial, and automotive projects. As an insurance professional, your glass installer clients rely on you to help them protect their businesses while they focus on delivering quality craftsmanship. Novatae Risk Group offers a specialized General Liability Insurance program tailored for small to medium-sized glass installation contractors through Empire Underwriters.
Our solution is built to address the day-to-day risks these contractors face—whether they’re working on new construction, remodeling jobs, or repairs. From property damage to third-party bodily injury, our program provides protection that helps keep your clients compliant and secure, giving you the tools to grow your book of business with confidence.
Overview:
We provide General Liability coverage for glass installers with an annual payroll under $1,000,000. This program is designed for small to mid-sized contractors working in both residential and commercial environments.
Ideal Accounts:
- Glass installation contractors working on new residential or commercial construction
- Contractors performing repairs or remodeling involving glass components
- Small businesses with consistent job flow and under $1M in payroll
Example: You might have a client who specializes in window and storefront installation for small retail buildouts or one who handles residential glass shower enclosures. These are ideal fits for our program.
Coverage Highlights:
- Blanket Additional Insured endorsement
- Waiver of Subrogation available
- Primary and Non-Contributory wording
- Per Project Aggregate limits
- Coverage for Subsidence and Prior Projects (with limitations)
Submission Requirements:
- Completed ACORD applications
- Currently valued loss runs (3 to 5 years)
- Supplemental application for glass installers
- Project-specific pollution application (if applicable)
Minimum Premium & Carrier Strength:
Minimum premium starts at $1,500. We offer access to both admitted and non-admitted carriers, with markets rated as high as A-XV, ensuring broad options for your accounts.
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. Most states offer admitted options.
Why Work With Novatae Risk Group:
As a trusted wholesale broker, Novatae Risk Group brings deep industry knowledge and underwriting expertise to every submission. Our dedicated team is ready to help you place your glass installer clients with the right coverage quickly and efficiently. We understand the nuances of this niche and are committed to helping you grow your business.
Call our experienced brokers at 800-758-8113 to discuss your General Liability accounts for glass installers today.
Need a quote? Email your submissions to [email protected] and our underwriting team will review your request promptly.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Glass installation contractors with annual payroll under $1,000,000, working on residential or commercial projects, including new construction and remodeling work.
Is this program available in my state?
The program is available in over 25 states, including CA, FL, TX, GA, and PA. Contact us to confirm eligibility in your client's state.
What documents are required to submit an account?
We require completed ACORD applications, 3–5 years of loss runs, a glass installer supplemental application, and a pollution application if applicable.
Are both admitted and non-admitted options available?
Yes, we offer both admitted and non-admitted options with carriers rated as high as A-XV, depending on the state and specific risk.
What is the minimum premium for this program?
The minimum premium is $1,500, though final pricing depends on the risk profile and underwriting details.
Need help placing an account? Connect with a market specialist.