Street and road contractors face unique liability exposures due to the nature of their work—handling hot materials, operating heavy machinery, and working in high-traffic environments. Novatae Risk Group, in partnership with an “A” rated carrier, offers a specialized General Liability Insurance program tailored for small to medium-sized street and road contractors. This program is designed to help insurance agents and brokers place accounts that require dependable coverage with streamlined underwriting and responsive service.
With over 30 years of experience in the contractor market, our team understands the challenges your clients face on the job site and after project completion. Whether your insured is laying asphalt for municipal roads or repairing commercial driveways, Novatae delivers coverage solutions that address real-world risks.
Program Overview
This General Liability program is specifically designed for small to medium-sized street and road contractors with annual payrolls under $1 million. Our underwriting team is focused on fast submissions and practical risk solutions to help you secure coverage for your insureds efficiently.
Target Classes and Eligible Operations
- Highway Construction
- Street and Road Contractors
- New construction for residential and commercial properties, including single-family homes
- Repair and remodeling of residential and commercial projects
Ideal accounts include small paving contractors working on local roads, municipal sidewalks, or commercial parking lots. For example, you might have a contractor client who repaves streets for small towns or performs curb and gutter work for retail developments—those accounts are a great fit.
Ineligible Risks
- New construction of condominiums, condo conversions, and townhouses (some exceptions may apply)
- Projects involving structures over 3 stories (some 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 coverages are designed to meet the contractual requirements often found in city, county, or commercial jobs while protecting your clients 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. We offer access to both admitted and non-admitted markets, backed by carriers rated as high as A-XV. This flexibility allows us to tailor coverage based on the unique needs of each risk.
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 with decades of contractor insurance experience, Novatae Risk Group delivers responsive service, deep market access, and underwriting insight that helps agents write more business. Our in-house team understands the nuances of contractor liability and works closely with you to deliver competitive quotes and comprehensive coverage tailored to your client’s operations.
Call us today at 800-758-8113 to speak with one of our experienced 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 work, and municipal road projects.
Are both residential and commercial projects eligible?
Yes, the program covers new construction and remodeling of both residential and commercial properties, including single-family homes.
What are some ineligible risks?
We typically cannot place new construction of condominiums, condo conversions, or projects involving structures over three stories, though exceptions may be considered.
Is this program available in my state?
The program is available in over 25 states, including CA, TX, FL, GA, and IL. Contact us to confirm availability in your specific state.
What documents are required to submit an account?
You’ll need ACORD applications, 3–5 years of loss runs, a supplemental application, and a pollution-specific form if applicable.
Need help placing an account? Connect with a market specialist.