Sewer, Septic, & Pipeline Contractor General Liability Insurance

Sewer, septic, and pipeline contractors face a wide array of operational risks that can lead to costly claims and liability exposures. From ground shifting and code violations to property damage and environmental concerns, these contractors require tailored insurance solutions that address the specific hazards of their work. Novatae Risk Group offers a dedicated Sewer, Septic, & Pipeline Contractor General Liability Insurance program designed to help agents and brokers place this challenging class of business with confidence.

Backed by over 30 years of industry experience, our team—operating under the Empire Underwriters brand—has worked with thousands of sewer, septic, and pipeline contractors nationwide. Whether your client is a new venture, had prior claims, or operates across multiple states, we provide flexible underwriting solutions and fast turnaround times. Partner with us to gain access to multiple admitted and non-admitted markets, including certain Underwriters at Lloyd’s of London.

Ideal Accounts and Appetite:

• Pipeline Contractors
• Sewer Contractors
• Septic Contractors
• Private, Municipal, State, or Federal Contractors
• Accounts with prior or open claims
• Cancelled or lapsed policies
• New ventures and startups
• Multi-state operations
• Accounts requiring CG201185 equivalent endorsements

If you have a client with a sewer installation business that recently had a lapse in coverage or a pipeline contractor expanding into new states, we can help you secure the right general liability coverage to protect their operations and meet jobsite requirements.

Coverage Highlights and Advantages:

• Competitive general liability coverage tailored to underground utility work
• Quick turnaround on submissions and quotes
• Multiple carrier options, both admitted and non-admitted
• Solutions available for distressed or hard-to-place risks

Submission Requirements:

• ACORD 124 & 126 forms
• 3–4 years of loss runs
• Supplemental questionnaire
• Details on any large losses or lapses in coverage

Underwriting Notes and Minimum Premiums:

Minimum premiums vary depending on the size, scope, and location of the operation. We offer underwriting flexibility for accounts with prior claims, new ventures, and businesses with specialized liability needs.

Territories and 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. Availability includes both admitted and non-admitted options, depending on the state's regulatory landscape and account specifics.

Why Work With Novatae Risk Group:

As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group brings deep expertise and a broad market reach to this niche. Our team has decades of experience placing sewer, septic, and pipeline contractor business, and we understand the underwriting nuances that many standard markets overlook. Let us help you find the right solution for your contractor clients—quickly and effectively.

Please contact us at 800-758-8113 to speak with an experienced broker about your Sewer, Septic, & Pipeline Contractor General Liability Insurance accounts.

Do you need a General Liability Insurance quote for your Sewer, Septic, and Pipeline accounts?

Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately.