Insulation Contractors play a crucial role in building and construction, whether they manufacture insulation products or provide installation services for residential and commercial properties. These operations involve significant financial investment, regulatory exposure, and onsite risks. As an insurance agent or broker, you can support your clients in this niche by placing them with a market that understands their unique challenges.
Novatae Risk Group offers a specialized General Liability Insurance program tailored for small to medium-sized Insulation Contractors. Through our partnership with Empire Underwriters, we help you secure comprehensive coverage that addresses the specific exposures your clients face—such as property damage, bodily injury, and project-specific risks. Whether your insured is working on new builds or remodeling projects, we can help you find the right fit.
Call 800-758-8113 to speak with an experienced broker about your insulation contractor accounts and get started on a quote today.
Program Overview
This General Liability Insurance program is designed for small to mid-sized insulation contractors with annual payrolls under $1,000,000. It provides risk management solutions that align with the operational realities of insulation work—whether your client is installing spray foam in residential attics or conducting commercial retrofits.
Target Accounts
We’re actively seeking accounts that fall into the following categories:
- New construction for residential and commercial projects, including single-family homes
- Remodeling or repair work for both residential and commercial structures
If you have a contractor client expanding into commercial insulation projects or a small business focused on home retrofits, this program could be a strong match.
Coverage Highlights
- Blanket Additional Insured
- Waiver of Subrogation
- Primary and Non-Contributory wording
- Per Project Aggregate limits
- Limited Subsidence and Prior Projects coverage available
These coverages are structured to meet contractor bid requirements and help your clients remain competitive while protecting their operations.
Submission Requirements
- Completed ACORD Applications
- 3–5 years of currently valued loss runs
- Supplemental Application
- Pollution - Project Specific Application (if applicable)
Minimum Premiums and Carrier Strength
Minimum premiums start at $1,500, with access to both admitted and non-admitted carriers rated as high as A-XV. This enables flexible solutions for diverse risk profiles and project scopes.
Program 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 Partner With Novatae Risk Group?
Novatae Risk Group is a trusted wholesale broker offering access to niche contractor programs and top-rated carriers. With deep underwriting knowledge and a responsive broker team, we help you move quickly from quote to bind, so you can focus on growing your book.
Need a fast quote? Email your submission to [email protected] or call 800-758-8113 to speak with a knowledgeable underwriter today.
Frequently Asked Questions
What types of accounts are a good fit for this program?
We target small to medium-sized insulation contractors with under $1,000,000 in annual payroll, including those working on residential or commercial new construction and remodeling projects.
Is this program available in my state?
The program is available in most states, including CA, FL, TX, GA, and more. Contact us to confirm availability in your client’s state.
Do you offer coverage for contractors doing spray foam insulation?
Yes, spray foam and other common insulation methods are eligible when part of residential or commercial projects that fit our appetite.
What documentation is required to submit a quote?
You’ll need completed ACORD forms, 3–5 years of loss runs, a supplemental application, and a project-specific pollution form if applicable.
Are admitted carriers available through this program?
Yes, admitted markets are available in most states, along with access to A-XV rated non-admitted carriers for more complex risks.
Need help placing an account? Connect with a market specialist.