Distributors and Manufacturers General Liability Insurance

Program Highlights:

Novatae Risk Group offers a General Liability insurance program specifically designed for manufacturers and distributors of building materials and construction-related products. Whether your client manufactures or distributes products used in residential or commercial construction, this program provides tailored coverage to help protect against third-party claims arising from their operations, products, or premises.

Contractor licensing is not a requirement to qualify, making this program accessible to a broad range of eligible businesses. With flexible underwriting and access to multiple carriers, Novatae can help you secure competitive terms for your clients in this niche space.

Eligible Classes Include:

Coverage Highlights and Advantages:

This program provides General Liability coverage designed to address the risk exposures common to manufacturers and distributors in the building materials sector. Coverage includes premises liability, products and completed operations, and can help protect against bodily injury or property damage claims related to the insured’s products or day-to-day operations.

The program can accommodate a wide range of operations, from small family-run distributors to regional manufacturers supplying specialty construction components.

Underwriting Notes and Minimum Premiums:

Minimum premiums vary depending on the class of business, size of operation, and risk characteristics. Novatae works with a variety of carriers to provide flexible solutions tailored to each submission. Submissions with clear product descriptions, safety protocols, and loss history will be reviewed promptly.

Territories and Availability:

This program is currently available in California, Nevada, and Texas. Most placements will be on a non-admitted basis, depending on the carrier and risk profile. Novatae’s team is well-versed in navigating E&S markets and helping you find competitive options for your hard-to-place or niche clients.

Why Work With Novatae Risk Group:

As a leading Managing General Underwriter and Excess & Surplus Lines Broker, Novatae brings deep expertise in niche markets and specialty industries. Their team understands the unique liability exposures faced by manufacturers and distributors and offers responsive service, underwriting insight, and access to a broad network of carriers. Whether you're placing a straightforward account or a more complex risk, Novatae is a reliable partner for your wholesale insurance needs.

You might have a client who manufactures HVAC components for residential construction, or a distributor that supplies electrical fixtures to contractors across Texas—both would be strong candidates for this program.