Novatae Risk Group
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Novatae Risk Group
Contact Us
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Contractor BOP/GL and Property Insurance Package

Small contractors are constantly looking to save money where they can. They also want to protect their company as well as it assets from accidents that could cause financial pitfalls. Empire has a comprehensive solution to better help you clients protect their company’s.


Empire has put together a Contractors BOP / General Liability and Property Insurance package program to help combine programs and save your clients money. Also, with this new program Empire has the ability quote, bind, and issue new accounts in house, this will allow you to help your clients quickly and more reliably.


Please contact us at 800-758-8113 to speak to our experienced brokers about your Contractor BOP/GL and Property Insurance Package accounts.

Program Highlights:

  • 4 Hour Indications/Quotes!
  • Same Day Bind and Issuance of Policy!
  • $1,000,000 / $2,000,000 CGL Limits
  • Excess Liability up to $5,000,000
  • In -House Authority ON PROPERTY Up to $5,000,000 Total Value any one Location
  • Higher Property Values to $25,000,000 Submit – Fast Approval
  • Broad Class Code Acceptance

*Property Coverage for Building, Business Property, Contractors Equipment, Business Income and/or Extra Expense

Program Features:

  • A.M. Best Rated AXV Carrier
  • $500 Minimum Premium
  • $500 Minimum Deductible
  • ISO Form GL

Coverages Available:

  • Property and Inland Marine Coverage: Basic Form Coverage and Broad Form Coverage Available$5,000,000 per location available for Buildings, Contents, and Business Income
  • $250,000 sub-limit on Contractor’s Equipment and Tools (owned, leased or rented to others)
  • Extensions of coverage:
    • $25,000 blanket limit on Fire Extinguishing System Expense
    • Lock Replacement; Outdoor Signs; Outdoor Trees Shrubs, Plants and Lawns; and Tenant Move Back Expense
    • $10,000 sub-limit on: Back up of Sewers and Drains; Employee Dishonesty; Forgery or Alteration
    • $5,000 sub-limit on: Money and Securities; Spoilage due loss of Refrigeration

Target Contractor Classes: (Not a Complete List)

  • Appliance Installation
  • Carpentry
  • Concrete & Asphalt
  • Developer - Builder
  • Dirt Work
  • Drywallers
  • Electricians
  • Excavation
  • General Contractors
  • HVAC
  • Landscaper
  • Metal Erectors
  • Masonry
  • Painters
  • Paving
  • Pipeline
  • Plumbers
  • Pool Contractors
  • Road & Bridge Contractors
  • Roofing Contractors
  • Septic Tank Cleaners
  • Sewer Contractors
  • Sheet Metal
  • Sign Erectors

Submission Requirements:

  • Acord 125 and 126 for GL
  • Acords for Property / Equipment when Applicable
  • Supplemental

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:
    12.5%
  • Min Premium:
    $500

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Novatae Risk Group has other insurance programs like “Tough” or Difficult to Place Risks Program.