With decades of experience in the construction insurance sector, Novatae Risk Group understands the complex risks that contractors face every day. Through our partnership with Empire Underwriters, we bring over 30 years of underwriting expertise to help agents and brokers place even the most challenging General Liability accounts in the construction industry. Whether you're working with a local artisan contractor or a multi-state operation, we have the resources and market access to help you secure coverage tailored to your client's needs.
Our General Liability Insurance for Construction program is built to handle a wide variety of contractor risks, including those with prior claims, new ventures, and tougher classes. We specialize in hard-to-place accounts and offer solutions for both admitted and non-admitted placements through a variety of carriers—including Certain Underwriters at Lloyd’s of London. Many states offer admitted options, helping you meet compliance needs while providing vital protection for your insureds.
Ideal Accounts and Appetite:
- Virtually all types of contractors, from general to artisan
- Accounts with prior or open claims
- New ventures with at least $40,000 in payroll
- Owner-operated businesses with 2+ employees
- Multi-state contractors
- Paper contractors and developers
- Tract home and residential contractors
- Accounts with a lapse in coverage
- Risks requiring CG201185 equivalent endorsements
If you have a client who’s a startup contractor with no prior insurance history, or a construction company with a hard loss on their record, this program may be the solution you're looking for.
Coverage Highlights and Advantages:
- Quick turnaround on submissions
- Multiple carrier options to suit a range of risks
- Admitted and non-admitted solutions available
To speak with a knowledgeable underwriter about your General Liability accounts, call us at 800-758-8113 or email [email protected].
Submission Requirements:
- Acord 124 & 126 applications
- 3–4 years of loss runs
- Explanation for any coverage lapse
- Details on large losses
- Completed supplemental questionnaire
Territories and Availability:
This program is available in most states, including but not limited to 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. Carrier availability varies by state and risk profile.
Why Work With Novatae Risk Group:
As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group offers deep market access and tailored underwriting solutions. We combine industry expertise with responsive service to help agents and brokers place difficult or specialty construction accounts. Let our experience work for you—partner with Novatae and deliver real value to your contractor clients.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for general and artisan contractors, including those with prior claims, open claims, or coverage lapses. New ventures and multi-state operations are also welcome.
Can I submit accounts with a lapse in coverage?
Yes. We accept accounts with lapsed or cancelled coverage, provided you include details explaining the lapse in your submission.
Are both admitted and non-admitted options available?
Yes. We offer both admitted and non-admitted options depending on the state and risk profile. Carrier availability may vary.
What documents are required to submit a risk?
You should provide Acord 124 and 126 applications, 3–4 years of loss runs, explanations of any large losses or coverage lapses, and a completed supplemental questionnaire.
Is this program available in all states?
The program is available in most states, including CA, TX, FL, GA, and others. Contact us to confirm availability for your specific state and risk class.
Need help placing an account? Connect with a market specialist.