Garage door installers play a key role in residential and commercial property safety and functionality. As an insurance agent or broker, your garage door contractor clients depend on you to help protect their operations from the unique risks they face—from property damage and bodily injury claims to completed operations exposures. Novatae Risk Group offers a specialized General Liability Insurance program tailored for garage door installation businesses, giving you a reliable market to place your small to mid-sized contractor accounts.
Through our partnership with Empire Underwriters and an “A” rated carrier, we deliver a comprehensive General Liability solution designed for the garage door industry. Our team understands the specific risks these contractors face on both residential and commercial projects, and we’re committed to providing fast, responsive underwriting and support.
Program Overview
This program is focused on small to medium-sized garage door installation contractors with annual payrolls under $1,000,000. Whether your client focuses on new construction, remodeling, or repair, we can help you provide the coverage they need to operate with confidence.
Target Risks and Eligible Accounts
We’re looking for garage door contractors involved in:
- New residential or commercial construction, including single-family homes
- Remodeling and repair work on existing homes or buildings
- Operations where 75% or more of work falls within approved class codes
You might have a client who installs garage doors for new home developments or services commercial roll-up doors in office parks—these are ideal fits for this program.
Coverage Highlights
The program offers important general liability enhancements to help your clients meet contract requirements and stay protected:
- Blanket Additional Insured Endorsements
- Waiver of Subrogation
- Primary and Non-Contributory wording
- Per Project Aggregate limits
- Subsidence (with limitations)
- Coverage for Prior Projects (with limitations)
Submission Requirements
- Completed ACORD applications
- 3–5 years of currently valued loss runs
- Supplemental application
- Project-specific Pollution application (if applicable)
Minimum Premium and Underwriting Notes
The minimum premium for this program starts at $1,500. Our underwriting team is experienced in evaluating garage door installation risks and can provide quick turnaround on qualified submissions.
Territory and Carrier Information
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. Both admitted and non-admitted options are available through carriers rated as high as A-XV.
Why Work With Novatae Risk Group?
Novatae Risk Group is a trusted wholesale broker with access to top-rated markets and a deep understanding of contractor risks. When you work with us, you gain access to dedicated brokers who can help you navigate submissions, endorsements, and coverage solutions for your garage door installer clients. We offer responsive service and a commitment to helping you grow your contractor book of business.
For more information or to discuss a specific account, call us at 800-758-8113 to speak with an experienced broker.
To submit for a quote, email your applications and coverage needs to [email protected].
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for small to mid-sized garage door installation contractors with under $1,000,000 in annual payroll. Both residential and commercial project work is eligible.
Are both new construction and repair jobs eligible?
Yes, we accept risks involved in new construction, remodeling, and repair for both residential and commercial properties.
What states is this program available in?
The 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.
What documents are needed to submit an account?
We require ACORD applications, 3–5 years of currently valued loss runs, a supplemental application, and a project-specific pollution application if applicable.
Is the coverage on an admitted basis?
We offer both admitted and non-admitted options depending on the state and risk profile, with carriers rated as high as A-XV.
Need help placing an account? Connect with a market specialist.