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General Liability Insurance is a critical coverage for contractors working with Exterior Insulation and Finishing Systems (EIFS), especially given the specialized risks associated with these materials and installations. Novatae Risk Group offers a tailored EIFS General Liability Insurance program designed to meet the unique exposures your contractor clients face in this niche sector of the construction industry. Through our program, administered by Empire, we help agents and brokers secure dependable coverage solutions for EIFS contractors, including those with challenging underwriting profiles. Whether your client is a new venture, has prior or open claims, or has experienced a lapse in coverage, we have the tools and expertise to evaluate the risk and provide competitive options. Ideal Accounts and Appetite: EIFS Contractors specializing in installation, stucco, or plastering Structural and decorative EIFS work Accounts with prior or open claims New ventures and recently formed businesses Previously cancelled or lapsed policies Multi-state operations Contractors carrying CG201185 equivalent endorsements Owner-operator businesses with 2+ employees Accounts with payroll of $40,000 or more Coverage Highlights and Program Advantages: Quick turnaround on submissions Access to multiple carriers—both admitted and non-admitted markets including certain Underwriters at Lloyds of London Flexible underwriting for complex risks Specialized focus on California and multi-state contractor exposures Submission Requirements: Acord 124 & 126 forms 3–4 years of loss runs Explanation of any coverage lapses Details on large or unusual losses Completed supplemental questionnaire Admitted Status and Minimum Premiums: Coverage is available on both admitted and non-admitted paper depending on the risk profile and state. Minimum premiums vary based on underwriting factors, but we work to ensure competitive pricing even for harder-to-place accounts. Territories and Availability: This program is available in a wide range of states, including 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 Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group provides agents and brokers with niche programs designed for difficult or specialized classes. Our EIFS General Liability program reflects our commitment to underwriting expertise, market access, and responsive service. Let us help you deliver tailored solutions to your contractor clients with EIFS exposures. Need a General Liability quote for your EIFS contractor accounts? Send your submissions to [email protected] or call 800-758-8113 to speak directly with an experienced underwriter. Frequently Asked Questions What types of accounts are a good fit for this EIFS General Liability program?This program is ideal for EIFS contractors involved in installation, stucco, plastering, and decorative or structural EIFS work—especially those with payrolls over $40,000 and at least two employees. Can you consider accounts with prior claims or a lapse in coverage?Yes, our underwriting team is experienced in evaluating accounts with loss history or coverage gaps. We welcome submissions with prior claims, open claims, or recently cancelled policies. Is this program available for new ventures?Yes, new ventures are eligible for consideration. We can help you place startup EIFS contractors operating in approved states with appropriate documentation. Which states is this program available in?We currently offer this program in over 25 states, including CA, FL, TX, NJ, IL, and others. Please refer to our full list or contact us to confirm availability in your client’s state. What carriers are used for this program?We have access to both admitted and non-admitted markets, including certain Underwriters at Lloyds of London, allowing us to match the right carrier to the risk profile. Need help placing an account? Connect with a market specialist.

Stucco and plastering contractors face unique risks on every job site—from improperly mixed materials to scaffolding accidents and property damage due to faulty application. Even the most experienced contractors are exposed to liability claims that can disrupt operations and lead to significant financial losses. Novatae Risk Group, in partnership with Empire Underwriters, offers a tailored General Liability Insurance program for Plastering and Stucco Contractors. Designed specifically for small- to medium-sized artisan contractors, this program helps agents and brokers place business for clients with specialized liability exposures in this niche construction segment. Ideal Accounts and Target Appetite This program is best suited for: Artisan plastering, drywall, and insulation contractors EIFS (Exterior Insulation and Finish Systems) stucco or plastering contractors Target accounts include residential and commercial contractors with less than $1,000,000 in annual payroll. Whether your client is working on new single-family home construction or performing detailed repair and remodel work, this program offers the flexibility and protection they need. Examples of good-fit accounts include: A small stucco contractor specializing in home renovations A plastering crew working on commercial retail interiors under three stories Ineligible Risks New construction of condominiums, condo conversions, and townhouses (with limited exceptions) Projects involving structures over three stories (with limited exceptions) Coverage Highlights Blanket Additional Insured Endorsements Waiver of Subrogation Primary and Non-Contributory Wording Per Project Aggregate Limits Subsidence coverage (with restrictions) Prior Projects coverage (with restrictions) Submission Requirements Completed ACORD applications Currently valued loss runs (3–5 years) Supplemental application Pollution – project-specific application Minimum Premiums and Carrier Strength Minimum premium starts at $1,500. Coverage is written through a combination of admitted and non-admitted carriers, rated as high as A-XV, offering strong financial backing and flexible options based on your client's risk profile and state regulations. Program Availability 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? With over 30 years of experience in the construction insurance market, Novatae Risk Group and Empire Underwriters understand the specific liability exposures plastering and stucco contractors face. Our wholesale brokerage model offers access to specialized markets, responsive underwriters, and expert program knowledge to help you place hard-to-insure accounts efficiently. Need a quote? Email [email protected] or call 800-758-8113 to speak directly with an experienced underwriter. Frequently Asked Questions What types of accounts are a good fit for this program?Small to medium-sized stucco and plastering contractors with less than $1,000,000 in annual payroll, including those working on residential and commercial repair, remodel, or new builds under three stories. Are EIFS contractors eligible?Yes, EIFS (Exterior Insulation and Finish Systems) contractors are within the target appetite for this program. What are some ineligible risks under this program?New construction of condominiums, condo conversions, and townhouses, as well as work on structures exceeding three stories, are generally ineligible—though some exceptions may apply. Is this program available on an admitted or non-admitted basis?The program is available through both admitted and non-admitted markets, depending on the risk and state regulations. What submission materials are required?Agents should submit completed ACORD forms, 3–5 years of currently valued loss runs, a supplemental application, and a project-specific pollution application if applicable. Need help placing an account? Connect with a market specialist.

...ctors • Residential cleaning • Paperhanging • Electricians • Interior decorato...