Novatae Risk Group offers access to a General Liability Insurance program built for siding and decking contractors who need reliable, affordable coverage. Many small contractors keep tight control of costs and may hesitate to buy liability insurance — but a single property damage loss can be far more expensive than a policy. This program gives you a practical market to place those accounts quickly.
Novatae Risk Group places submissions into a product developed by Empire Underwriters in partnership with an “A”-rated carrier. The program is underwritten specifically for the operations and exposures common to siding and decking contractors, and is available on admitted and non-admitted paper where permissible.
Please contact us at 800-758-8113 to speak to our experienced brokers about General Liability Insurance for Siding and Decking Contractors accounts.
Overview:
Insurance and risk management for small- to mid-size siding and decking contractors. The program is designed to cover common exposures from installation, repair, and remodeling work on residential and commercial projects.
Market Focus:
A General Liability program focused on contractors with payrolls typically under $1,000,000 per year. Available on admitted and non-admitted paper with carriers rated up to A-XV.
Appetite:
- Commercial and residential siding installation
- Commercial and residential decking installation
Eligible Risks:
- New construction on residential and commercial projects, including single-family homes
- Repair, remodeling, and retrofit work on residential and commercial properties
Ineligible Risks:
- New construction of condominiums, condominium conversions, and townhouses (some exceptions may apply)
- Any structures or work above three stories (some exceptions may apply)
Coverages Available:
- Blanket Additional Insured
- Waiver of Subrogation
- Primary and Non-Contributory wording
- Per-Project Aggregate
- Subsidence (with limitations)
- Prior Projects (with limitations)
Submission Requirements:
- Completed ACORD applications
- Currently valued loss runs (3 to 5 years)
- Supplemental application
- Pollution — project-specific application when applicable
Underwriting Notes and Minimum Premiums:
Underwriting evaluates payroll, scope of work, project types, subcontractor use, and loss history. The program generally targets accounts with straightforward siding and decking operations; extensive structural work, significant premises-liability exposures, or complex pollution hazards may require referral. Minimum premium: $1,500.
Territories and Availability:
Most available states. Currently offered in: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, WV. Coverage may be admitted or non-admitted depending on state regulations and carrier appetite.
Why Work With Novatae Risk Group on This Business
- Specialized wholesale access to a program tailored for siding and decking contractors.
- Fast underwriting response for straightforward accounts and flexible options for additional insureds, waiver of subrogation, and per-project aggregates.
- Placement on admitted or non-admitted paper with carriers rated as high as A-XV to meet client and certificate demands.
- Experienced brokers to help package accounts and present risk information effectively to underwriters.
Example fits:
- A small family-owned siding contractor with $400,000 payroll doing single-family home installs and repair work with minimal subcontracting.
- An independent deck installer performing residential deck construction and occasional commercial decking jobs, seeking blanket additional insured and primary/non-contributory wording for contractor relationships.
Do you need a General Liability Insurance quote for your siding and decking contractor account?
Send an email to [email protected] with your submission or call 800-758-8113 to speak to an underwriter.
Frequently Asked Questions
What types of siding and decking contractors are a good fit for this program?
Small to mid-size contractors performing commercial or residential siding and decking installation, repair, or remodeling work with annual payrolls generally under $1,000,000 are ideal. Accounts with straightforward operations and limited structural alterations fit best.
Which coverages can I request on behalf of my insured?
The program offers typical GL features including blanket additional insured, waiver of subrogation, primary and non-contributory wording, and per-project aggregates. Subsidence and prior projects coverage are available with limitations — submit specifics for review.
What do you need to submit a quote?
Provide a completed ACORD application, a supplemental application when applicable, currently valued loss runs for the last 3–5 years, and a project-specific pollution application if there are pollution exposures.
Are quotes available on admitted paper?
Yes. The program can place business on admitted or non-admitted paper depending on the state and carrier appetite. Novatae Risk Group will confirm the best placement when reviewing the submission.
Is there a minimum premium or other common binding requirements?
The program typically has a minimum premium of $1,500. Binding requirements and endorsements vary by carrier; include details about certificate and additional insured requirements at submission so underwriters can address them up front.
Need help placing an account? Connect with a market specialist.