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Novatae Risk Group
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Novatae Risk Group
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General Liability Insurance for Metal Erection Contractors

```html Metal erection contractors face a range of liability exposures due to the nature of their work—operating heavy machinery, transporting expensive equipment, and working with structural steel at varying heights and job sites. These operations create potential risks including third-party bodily injury, property damage, theft of materials, and job site accidents. To help agents place this class of business confidently, Novatae Risk Group offers a comprehensive General Liability Insurance program tailored specifically for Metal Erection Contractors.

Empire Underwriters, a division of Novatae Risk Group, has partnered with an “A” rated carrier to deliver responsive and reliable general liability solutions. Backed by over 30 years of construction industry experience, our team understands the unique exposures that come with metal, steel, and iron erection—making us a trusted partner for agents seeking customized coverage and quality underwriting support.

Program Overview:

This program is designed for small to mid-sized metal erection contractors with annual payrolls under $1,000,000. We focus on helping agents serve clients involved in architectural and ornamental metal work, decorative metal installations, structural steel erection, and related activities.

Target Classes:
  • Architectural and Ornamental Metal Work
  • Decorative Metal Work
  • Metal Erection Contractors
  • Metal Fabrication
  • Steel or Iron Erection
Eligible Operations:
  • New residential and commercial construction, including single-family homes
  • Repair and remodeling of residential and commercial structures
Ineligible Operations:
  • New construction of condominiums, conversions, or townhouses (some exceptions may apply)
  • Projects involving structures over 3 stories tall (some exceptions may apply)
Key Coverage Features:
  • Blanket Additional Insured
  • Waiver of Subrogation
  • Primary and Non-Contributory wording
  • Per Project Aggregate limits
  • Subsidence coverage (with limitations)
  • Prior Projects coverage (with limitations)

Submission Requirements:
  • Completed ACORD applications
  • 3–5 years of currently valued loss runs
  • Program-specific supplemental application
  • Pollution questionnaire (if applicable)

Minimum Premium: $1,500
Carrier Access: Admitted and Non-Admitted markets with A-XV rated carriers
Availability: Program available in AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, WV

You might have a client that fabricates and installs decorative iron railings for upscale residential homes or a small steel erection contractor working on single-story commercial builds. These are ideal fits for our program.

Contact us today at 800-758-8113 to speak with an experienced underwriter, or email your submissions to [email protected].

Frequently Asked Questions

What types of accounts are a good fit for this program?

Small to mid-sized metal erection contractors with payrolls under $1 million, including those performing architectural, ornamental, and structural metal work.

Are residential and commercial projects both eligible?

Yes, the program accepts both new construction and remodeling/repair work for residential and commercial properties.

What types of projects are excluded from eligibility?

New condominium construction, condo conversions, townhouse projects, and buildings over three stories are generally ineligible, though some exceptions may apply.

What states is the program available in?

The program is available in over 20 states, including CA, TX, FL, GA, IL, and more. Reach out for specific state eligibility.

What documents are required to submit a quote?

Submissions should include ACORD applications, 3–5 years of loss runs, a supplemental application, and a pollution questionnaire if applicable.

Need help placing an account? Connect with a market specialist.

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U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Wholesale Broker
  • Admitted:
    Most Available States
  • Carriers:
  • Carrier Ratings:
    As high As A-XV Rated Carriers
  • Commission:
    10%
  • Min Premium:
    $1,500

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