Street and road contractors face distinct liability exposures from hot materials, heavy equipment, traffic control and work performed near the public right-of-way. Novatae Risk Group, working with an “A” rated carrier panel, offers a specialized General Liability Insurance program built for small to medium-sized street and road contractors. The program is intended for insurance agents and brokers who need dependable coverage, practical underwriting decisions, and responsive service to place accounts quickly.
With more than 30 years of contractor-market experience, our team knows the exposures that arise during paving, curb-and-gutter work, sidewalk and driveway projects, and municipal road repairs. Whether your client is repaving a town’s local streets or repairing commercial parking areas, Novatae helps you deliver coverage that aligns with contract requirements and real-world jobsite risk.
Program Overview
This General Liability program targets small to medium street and road contractors with annual payrolls under $1 million. Underwriting prioritizes fast submissions, practical eligibility decisions, and policy wording that meets public-works and commercial contracting requirements.
Target Classes and Eligible Operations
- Highway and public roadway construction
- Street and road paving contractors
- New construction for residential and commercial properties, including single-family homes
- Repair, resurfacing and remodeling of residential and commercial driveways and lots
Good-fit accounts include small paving contractors handling municipal streets, firms performing curb and gutter installations for retail centers, and crews repaving neighborhood roads for local governments.
Ineligible Risks
- New construction of condominiums, condo conversions, and townhouses (limited exceptions may apply)
- Projects involving structures over three stories (limited exceptions may apply)
Coverage Features
- Blanket Additional Insured
- Waiver of Subrogation
- Primary and Non-Contributory wording
- Per Project Aggregate
- Subsidence coverage (with limitations)
- Prior Projects coverage (with limitations)
These features are structured to meet common contract and municipal requirements while protecting your insureds from third-party claims during and after project completion.
Submission Requirements
- Completed ACORD applications
- 3 to 5 years of currently valued loss runs
- Program-specific supplemental application
- Project-specific pollution application, if applicable
Minimum Premium and Market Access
Minimum premium starts at $1,500. Novatae provides access to both admitted and non-admitted markets, including carriers rated as high as A-XV, which gives flexibility to find appropriate capacity and wording for many challenging accounts.
Available States
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.
Why Work With Novatae Risk Group?
As a wholesale broker focused on contractor insurance, Novatae Risk Group pairs deep underwriting knowledge with broad market access to help you place more business. Our underwriters are experienced with municipal and commercial contracting exposures and will work with you to deliver timely quotes and policy terms that reflect jobsite realities.
Call us today at 800-758-8113 to speak with one of our brokers, or email your submission 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 street and road contractors with annual payrolls under $1 million, including those involved in paving, curb and gutter work, and municipal road repairs.
Are both residential and commercial projects eligible?
Yes. The program covers new construction and remodeling for residential and commercial properties, including single-family homes. Larger multi-story residential projects are generally excluded.
What are some ineligible risks?
We typically cannot place new construction of condominiums, condo conversions, or projects involving structures over three stories, although limited exceptions may be considered on a case-by-case basis.
Is this program available in my state?
The program is available in over 25 states, including CA, TX, FL, GA, and IL. Contact Novatae to confirm availability and admitted vs. non-admitted options in your state.
What documents are required to submit an account?
You’ll need completed ACORD applications, 3–5 years of loss runs, the program supplemental application, and a pollution/project form if the operation has potential pollution exposures.
Need help placing an account? Connect with a market specialist.