General Liability Insurance for Drywall Contractors

Drywall contractors face distinct liability exposures across residential and commercial projects. Novatae Risk Group offers a specialized General Liability insurance program underwritten by Empire Underwriters, built for small- to medium-sized drywall contractors who need reliable, cost-effective protection for third-party claims arising from their operations.

Whether your client focuses on new construction or remodels and tenant improvements, Novatae’s program provides tailored coverage options for contractors with less than $1,000,000 in annual payroll and whose operations fall primarily within approved class codes. The program fits businesses that work on single-family homes, commercial office build-outs, retail tenant improvements, and similar contracts.

Ideal Accounts and Appetite

Novatae targets drywall contractors involved in:

• New residential or commercial construction, including single-family homes
• Repair, renovation, or remodeling projects
• Operations where at least 75% of exposure falls within approved class codes

Typical exclusions or ineligible risks include new condominium construction or conversions, most townhouse projects (some exceptions may apply), and buildings over three stories in height (limited exceptions considered by underwriting).

Coverage Highlights and Advantages

• Blanket Additional Insured endorsements to simplify client obligations
• Waiver of Subrogation where required by contract
• Primary & Non-Contributory wording available
• Per-Project Aggregate limits for controlled exposure on specific jobs
• Subsidence coverage (subject to limits and underwriting review)
• Prior Projects coverage available with restrictions

These features address common exposures—property damage, bodily injury, and defense costs—that drywall contractors face on job sites and after completed work.

Underwriting Notes and Minimum Premiums

To submit a risk for quotation, provide:

• Completed ACORD applications
• 3–5 years of currently valued loss runs
• Completed supplemental application
• Project-specific pollution application when applicable

Minimum premiums start at $1,500. Coverage is available on both admitted and non-admitted paper through highly rated carriers (as high as A-XV), with exact options depending on state and risk profile.

Territories and 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. Coverage availability and carrier selection vary by state—check with underwriting for state-specific terms.

Why Work With Novatae Risk Group?

Novatae Risk Group is a wholesale broker with specialty market access and hands-on underwriting relationships. Their partnership with Empire Underwriters gives you entry to targeted General Liability capacity for drywall contractors, competitive pricing, and responsive underwriting service. Whether you’re placing a startup contractor or an experienced operator with a clean loss history, Novatae can help identify appropriate paper and structure terms.

Example scenarios where this program is a good fit:

• A small contractor performing single-family home drywall installations and repairs seeking broad additional-insured and waiver provisions for GC contracts.
• A medium-sized subcontractor doing tenant improvements and office build-outs who needs per-project aggregate limits and options for prior-work coverage.

Do you need a General Liability Insurance quote for your Drywall Contractor account?

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