Window and door installers face a unique mix of on-site and off-site risks. They often operate both a retail or showroom environment and perform installations at residential or commercial job sites. This dual exposure requires specialized general liability coverage that accounts for property damage, bodily injury, and job site risks.
Novatae Risk Group offers a specialized General Liability Insurance for Door and Window Installers program designed for small to mid-sized contractors. This program, underwritten by Empire Underwriters, addresses the specific liability risks associated with interior and exterior door and window installations. Whether your clients are involved in new construction or replacement work, this program helps protect them from unexpected claims that could impact their business operations.
Targeted Accounts and Market Focus
This program is ideal for contractors with less than $1,000,000 in annual payroll engaged in:
- Interior and exterior door installation
- Window installation for new homes and remodeling projects
- Commercial and residential replacement work
You might have a client who installs windows for residential renovations or a contractor working on interior doors for new offices—both would be a good fit for this program, provided they stay within the program’s guidelines.
Eligible and Ineligible Risks
- Acceptable: New residential and commercial construction, including single-family homes
- Acceptable: Repair and remodeling projects
- Required: 75% or more of operations must fall within approved class codes
Ineligible risks include:
- New construction of condominiums, condominium conversions, and townhouses (some exceptions apply)
- Projects involving structures taller than three stories (exceptions may be considered)
Coverage Features
- Blanket Additional Insured endorsements
- Waiver of Subrogation options
- Primary and Non-Contributory wording
- Per Project Aggregate limits
- Subsidence and Prior Projects coverage (with limitations)
These features help your clients meet contractual requirements and protect against costly third-party claims arising from installation activities.
Submission Requirements
- Completed ACORD applications
- 3 to 5 years of currently valued loss runs
- Supplemental application
- Pollution – Project-specific application, if applicable
Minimum Premium and Carrier Strength
Minimum premiums start at $1,500. Coverage is written through a combination of admitted and non-admitted carriers, including markets rated as high as A-XV, offering flexibility and financial security for your clients.
State Availability
This program is available in most 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. Please contact us to confirm availability in your client’s location.
Why Work With Novatae Risk Group?
As a wholesale broker, Novatae Risk Group provides specialized access to niche programs like this one and works with high-quality carriers to deliver tailored solutions. Our experienced brokers understand the trades and construction space and can offer quick turnarounds on submissions. We’re committed to helping you attract and retain business by providing competitive and comprehensive general liability options for your installer clients.
Need a quote? Email your submissions to [email protected] or call 800-758-8113 to speak with an experienced underwriter today.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Small to mid-sized door and window installation contractors with under $1 million in payroll, handling residential or commercial work, are ideal candidates.
Are both new construction and remodeling projects eligible?
Yes. The program accepts both new construction and remodeling/repair work, provided 75% or more of the operations fall within approved class codes.
What are some common ineligible risks?
Projects involving new condominium construction or buildings over three stories are generally ineligible, though exceptions may be reviewed case-by-case.
Which states is this program available in?
This program is available in over 25 states, including CA, TX, FL, GA, NC, and others. Contact us to confirm availability in specific locations.
What documents are needed to submit an account?
You’ll need completed ACORD applications, 3–5 years of loss runs, a supplemental application, and a pollution application if applicable.
Need help placing an account? Connect with a market specialist.