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Novatae Risk Group offers a focused workers compensation program designed for drywall contractors who need reliable coverage and fast service. Drywall businesses — whether focused on residential remodels, new home construction, or commercial interiors — face consistent on-the-job exposures such as falls, repetitive strain, scaffolding incidents, and jobsite property damage. This program is structured to help agents place accounts where quality underwriting and market access matter. Novatae partners with A-rated and specialty markets to deliver comprehensive workers compensation solutions. Our underwriting team emphasizes quick turnaround on submissions and practical, field-tested coverage options so your clients spend less time handling risk and more time on the job. Program Features Minimum premium: $7,500 Available through admitted and non-admitted markets where necessary Program available in over 20 states (see Territories below) Ideal Accounts and Appetite Small to mid-sized drywall contractors and subcontractors Companies performing residential finish work, interior commercial drywall, and tenant improvements Accounts with organized payroll reporting, formal safety practices, and routine use of fall protection Not a good fit: accounts with extensive high-hazard exposures beyond typical drywall operations (e.g., blasting, structural steel erection), multiple, recent large claims without mitigation, or contractors with significant uninsured subcontractor use. Coverage Highlights and Advantages Workers compensation coverage tailored to drywall trades and related classifications Access to both admitted and excess & surplus markets for flexible placement options Underwriting focused on fast quote turnaround when a completed application is provided Dedicated underwriting for drywall contractors — streamlined review of loss history and payroll composition Underwriting Notes and Submission Requirements Required: ACORD 130 application Required: Last 3 years of loss runs Required: Supplemental questionnaire (trade-specific underwriting form) Required: Details on any large or recent losses Minimum premium threshold: $7,500 — tiered quoting available above this level Provide completed submissions to receive the fastest turnaround. Clear documentation of safety programs, payroll breakouts by classification, and any safety training will help secure more favorable terms. Territories and 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, NY, NC, PA, SC, TN, TX, UT, VA, WV. Coverage may be placed in admitted or non-admitted markets depending on state availability and account characteristics. Why Place Drywall Business with Novatae Risk Group? Specialized underwriting knowledge of drywall trades and common jobsite exposures Access to multiple markets — including A-rated carriers and E&S capacity — to find the best fit Fast, practical quoting process when submissions are complete Responsive underwriting team that works with agents to clarify exposures and loss details Example accounts that fit well: A 12-employee drywall subcontractor that installs drywall and tape/finish for residential developments, with documented safety training and modest loss history. A commercial interiors contractor doing tenant improvements for retail and office spaces, seeking a workers comp placement that can handle mixed payroll and occasional subcontractors. Do you need a Workers Compensation Insurance quote for your drywall contractor client? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Frequently Asked Questions What types of drywall accounts are a good fit for this program?This program targets small to mid-sized drywall contractors performing residential finish work, commercial interiors, and tenant improvements. Accounts with documented safety programs, clear payroll breakouts, and stable loss histories are the best fit. Which states are supported and is coverage admitted?Coverage is available in the listed states and can be placed in admitted or non-admitted markets depending on state rules and the specific account. Availability varies by carrier; submit the complete package for a definitive response. What do you need to submit for a fast quote?Submit a completed ACORD 130, three years of loss runs, the supplemental questionnaire, and details on any large losses. Complete submissions receive the quickest underwriting turnaround. Are larger or higher-risk drywall contractors eligible?Some larger accounts may be eligible, but they are evaluated case-by-case. Significant recent losses, high-hazard operations beyond typical drywall work, or heavy uninsured subcontractor usage can limit placement options. Need help placing an account? Connect with a market specialist.

Drywall contractors face distinct liability exposures across residential and commercial projects. Novatae Risk Group offers a specialized General Liability insurance program underwritten by Empire Underwriters, built for small- to medium-sized drywall contractors who need reliable, cost-effective protection for third-party claims arising from their operations. Whether your client focuses on new construction or remodels and tenant improvements, Novatae’s program provides tailored coverage options for contractors with less than $1,000,000 in annual payroll and whose operations fall primarily within approved class codes. The program fits businesses that work on single-family homes, commercial office build-outs, retail tenant improvements, and similar contracts. Ideal Accounts and Appetite Novatae targets drywall contractors involved in: New residential or commercial construction, including single-family homes Repair, renovation, or remodeling projects Operations where at least 75% of exposure falls within approved class codes Typical exclusions or ineligible risks include new condominium construction or conversions, most townhouse projects (some exceptions may apply), and buildings over three stories in height (limited exceptions considered by underwriting). Coverage Highlights and Advantages Blanket Additional Insured endorsements to simplify client obligations Waiver of Subrogation where required by contract Primary & Non-Contributory wording available Per-Project Aggregate limits for controlled exposure on specific jobs Subsidence coverage (subject to limits and underwriting review) Prior Projects coverage available with restrictions These features address common exposures—property damage, bodily injury, and defense costs—that drywall contractors face on job sites and after completed work. Underwriting Notes and Minimum Premiums To submit a risk for quotation, provide: Completed ACORD applications 3–5 years of currently valued loss runs Completed supplemental application Project-specific pollution application when applicable Minimum premiums start at $1,500. Coverage is available on both admitted and non-admitted paper through highly rated carriers (as high as A-XV), with exact options depending on state and risk profile. Territories and Availability This program is available in most 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. Coverage availability and carrier selection vary by state—check with underwriting for state-specific terms. Why Work With Novatae Risk Group? Novatae Risk Group is a wholesale broker with specialty market access and hands-on underwriting relationships. Their partnership with Empire Underwriters gives you entry to targeted General Liability capacity for drywall contractors, competitive pricing, and responsive underwriting service. Whether you’re placing a startup contractor or an experienced operator with a clean loss history, Novatae can help identify appropriate paper and structure terms. Example scenarios where this program is a good fit: A small contractor performing single-family home drywall installations and repairs seeking broad additional-insured and waiver provisions for GC contracts. A medium-sized subcontractor doing tenant improvements and office build-outs who needs per-project aggregate limits and options for prior-work coverage. Do you need a General Liability Insurance quote for your Drywall Contractor account? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to medium-sized drywall contractors with under $1,000,000 in payroll who work on residential or commercial new construction or remodeling projects. Are contractors involved in multi-story buildings eligible?Projects involving structures over three stories are generally ineligible, although underwriting may consider limited exceptions. Contact underwriting with project specifics. What documents are needed to submit a quote?Provide ACORD applications, 3–5 years of currently valued loss runs, a supplemental application, and a project-specific pollution application if applicable. Is this program available on admitted paper?Yes. Coverage can be placed on either admitted or non-admitted paper depending on the state and the risk profile. In which states is this program offered?The program is available in most states, including CA, TX, FL, GA, NC, NJ, and many others listed above. Availability and carrier options vary by state. 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.