General Liability Insurance for Bridge Contractors

Bridge construction projects come with significant risks, from working at heights and around heavy machinery to managing multi-state operations. Novatae Risk Group offers a specialized General Liability Insurance program for Bridge Contractors through Empire Underwriters, built to help brokers and agents place hard-to-insure accounts with confidence. Whether your client builds pedestrian walkways, highway overpasses, or bridges over water, this program provides the tailored protection they need to operate securely and compliantly.

Designed for small, mid-size, and large operations, this program addresses the wide variety of exposures that bridge contractors face. In addition to General Liability, Empire Underwriters can also assist with complementary coverages such as workers’ compensation, alternative comp solutions, commercial property, bonds, and more—giving agents a one-stop solution for their clients.

Ideal Accounts and Appetite

• Bridge contractors with at least $40,000 in payroll
• Owner-operated businesses with 2 or more employees
• New ventures and startups
• Accounts with prior claims or open losses
• Cancelled or lapsed policies
• Multi-state operations
• Hard-to-place and artisan contractors
• Paper contractors and those requiring CG201185 equivalent

You might have a client who recently launched a bridge construction company and needs help securing their first general liability policy—or a seasoned contractor with a lapse in coverage due to a prior loss. This program is built for both scenarios and more.

Coverage Highlights and Advantages

• General Liability tailored to bridge construction risks
• Quick turnaround and responsive service
• Access to multiple carriers, including admitted and non-admitted options
• Available in most states with flexible underwriting

Empire Underwriters works with a wide network of markets, including certain Underwriters at Lloyd’s of London, allowing for flexible solutions across a range of risk profiles.

Submission Requirements

• ACORD 124 and 126 forms
• 3–4 years of loss runs
• Explanation of any lapses or large losses
• Completed supplemental questionnaire

To discuss a submission or get a quote for your bridge contractor accounts, contact us at 800-758-8113 or email [email protected].

Territories and Availability

This program is available in a wide range of states, including 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.

Why Work With Novatae Risk Group?

As a leading Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group brings specialized underwriting expertise and access to flexible markets. Their focus on hard-to-place and high-risk contractor classes makes them a valuable partner for agents who need creative solutions for challenging accounts. Whether you're working with a new venture or a complex multi-state contractor, Novatae and Empire Underwriters are ready to help you place the business.