Sheet Metal Contractors face a broad range of general liability exposures, from working on small-scale residential projects to large commercial structures. Their work often involves elevated risks related to installation, repair, and remodeling. For insurance agents and brokers, placing these accounts requires access to a flexible, contractor-specific program—not a generic one-size-fits-all solution.
Novatae Risk Group offers a custom-tailored General Liability Insurance program designed specifically for small to mid-sized Sheet Metal Contractors. With underwriting provided by Empire Underwriters and access to both admitted and non-admitted carriers rated up to A-XV, this program delivers dependable coverage options, fast quoting turnaround, and hands-on broker support.
Ideal Accounts and Appetite
This program targets sheet metal contractors with annual payrolls under $1,000,000. Eligible operations include:
- Sheet metal installation for residential and commercial buildings
- Service and repair work on existing structures
- New construction of single-family homes and low-rise commercial buildings
- Remodeling and repair projects
You might have a client who installs ductwork in commercial retail spaces or one who services metal siding on residential homes—both are a great fit for this program.
Ineligible Risks
- New construction of condominiums or townhouse developments (some exceptions may apply)
- Projects involving structures taller than three stories (subject to exception review)
Coverage Highlights
- Blanket Additional Insured endorsements
- Waiver of Subrogation
- Primary and Non-Contributory wording
- Per Project Aggregate limits
- Limited Subsidence coverage
- Prior Projects coverage (with limitations)
These features help your clients meet contract requirements and protect against job site liability exposures.
Submission Requirements and Minimum Premium
- Completed ACORD applications
- 3–5 years of currently valued loss runs
- Supplemental application for sheet metal operations
- Project-specific pollution application, if applicable
Minimum premiums start at $1,500, depending on risk profile and state.
Territories and Availability
This program is available in the following states: 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 is offered through both admitted and non-admitted carriers, allowing flexibility across a range of regulatory environments.
Why Work With Novatae Risk Group?
As a wholesale broker with deep expertise in contractor risks, Novatae Risk Group provides agents and brokers with access to customized insurance solutions backed by responsive underwriting teams and strong carrier relationships. Their sheet metal contractor program is built to help you serve your clients faster and with greater confidence.
Call 800-758-8113 to speak with an experienced broker, or email your submission to [email protected].
Frequently Asked Questions
What types of accounts are a good fit for this program?
Small to medium-sized sheet metal contractors with under $1,000,000 in annual payroll who focus on installation, service, repair, or remodeling projects are ideal for this program.
Are new construction projects eligible?
Yes, new construction work on single-family homes and low-rise commercial buildings is eligible. However, new condo or townhouse developments are generally excluded.
What documentation is required to submit an account?
You will need completed ACORD forms, loss runs for the past 3–5 years, a supplemental application, and a pollution-specific application if applicable.
What coverages are commonly included?
Available coverages include Blanket Additional Insured, Waiver of Subrogation, Primary and Non-Contributory wording, and Per Project Aggregate, among others.
In which states is this program available?
The program is available in over 25 states, including CA, TX, FL, NY, and many others across the South, Midwest, and West.
Need help placing an account? Connect with a market specialist.