Contractors face a wide range of risks depending on the nature of their projects, past claims history, and scope of operations. For certain accounts, standard markets may be unwilling or unable to provide General Liability coverage. That’s where Novatae Risk Group steps in. Through our Hard to Place Contractors General Liability Insurance program, we offer a flexible and responsive solution for contractors with challenging exposures.
Backed by over 30 years of experience working with construction-related risks, our team understands the unique needs of tough-to-place contractor accounts. Whether it’s prior claims, lapsed coverage, or high-risk operations, we specialize in finding coverage options where others can’t. Our brokers are ready to help you secure protection for your clients quickly and efficiently.
Call us today at 800-758-8113 to discuss your Hard to Place Contractors General Liability accounts with an experienced broker.
Ideal Accounts and Appetite:
- All types of contractors, including general, artisan, and trade
- Accounts with prior or open claims
- New ventures and start-ups
- Cancelled or lapsed policies
- Multi-state operations
- Contractors with tough class codes
- Paper contractors and developers
- Tract home and construction contractors
- Minimum of $40,000 in payroll and at least 2 employees
Coverage Highlights and Advantages:
- Access to multiple admitted and non-admitted carriers, including Lloyd’s of London
- Fast turnaround on quotes and submissions
- Flexible deductible options—high and low
- CG201185 equivalent coverage available
Sample Target Classes:
- Roofers
- Concrete and tilt-up contractors
- Demolition and fire restoration contractors
- Developers (commercial and residential)
- Sewer, septic, and pipeline contractors
- EIFS contractors
- Bridge and structural contractors
- Oil, gas, and energy-related contractors
Submission Requirements:
- ACORD 124 & 126 applications
- 3–4 years of loss runs
- Supplemental questionnaire
- Details on large losses and reasons for lapse (if applicable)
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.
Why Work With Novatae Risk Group?
As a leading Managing General Underwriter and E&S broker, Novatae Risk Group has deep expertise in placing high-risk and non-standard contractor accounts. We provide access to both admitted and non-admitted markets, and we’re committed to helping agents solve tough placement challenges with speed and efficiency. Our experienced team is here to help you succeed with your hard-to-place contractor accounts.
Need a quote?
Email your submission to [email protected] or call 800-758-8113 to speak with an underwriter today.
Frequently Asked Questions
What types of contractor accounts are best suited for this program?
This program is ideal for general and artisan contractors with prior claims, tough class codes, new ventures, or lapsed policies. We also welcome paper contractors and developers.
Can you provide coverage for contractors with open or recent losses?
Yes, we specialize in hard-to-place risks and can review accounts with open or significant prior claims, as long as full loss details are provided.
Is this program available in my state?
Our Hard to Place Contractors General Liability Insurance program is available in most states, including key markets like CA, FL, TX, NJ, and more. Contact us to confirm availability in your state.
What documentation is required to submit a risk?
We require ACORD 124 & 126 forms, 3–4 years of loss runs, a supplemental questionnaire, and explanations for any lapses or large losses.
How quickly can I expect a quote?
We offer fast turnaround times and aim to provide quotes quickly once we receive a complete submission.
Need help placing an account? Connect with a market specialist.