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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.

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.

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.

Here at Veracity, we have a team that offers a diversified set of specialty insurance products that are traditionally hard to place. The Contract Binding program from Veracity Insurance Solutions, LLC gives agents the ability to quote, bind, and issue policies quickly across a wide range of niche and hard-to-place classes. With access to more than 700 eligible business classes, this program is ideal for agents looking to serve clients with low to moderate exposures in industries that often fall outside the standard market appetite. Ideal Accounts and Appetite This program is structured for general contractors, trade contractors, retail operations, and lessors’ risk exposures. It also supports newly formed entities and other niche businesses that need general liability and property coverage but don’t fit traditional underwriting models. Target classes include but are not limited to: Contractors (general, trade, roofing, plumbing, grading, drywall, masonry, excavation, HVAC, etc.) Lessors’ risk for residential and commercial buildings Residential and commercial dwellings (1–4 family) Retail operations such as grocery stores (excluding large supermarkets) Service industries like janitorial services and landscapers Hospitality accounts including smaller hotels and motels Swimming pool installation, telephone/cable line construction, and more If you’re working with a small residential roofing contractor or a property owner leasing out a four-family dwelling, this program may be a strong fit. It’s designed to handle the exposures of smaller operations that still require comprehensive coverage but may not qualify for standard admitted markets. Coverage Highlights and Advantages The Contract Binding program offers a combination of general liability, inland marine, and property coverages. Additional options are available for aggregate jobsite coverage, giving your clients the flexibility they need to operate with confidence. Policies are issued on a non-admitted basis, allowing for greater underwriting flexibility and faster turnaround. Underwriting Notes and Minimum Premiums Accounts typically fall within the low to moderate hazard range. The program is open to new ventures as well as established businesses. Minimum premium starts at $500, making this a cost-effective solution for many small to mid-sized risks. Territories and Availability This program is available nationwide, excluding only states where non-admitted products are not currently accepted. Eligible states include AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Why Work With Veracity Insurance Solutions? As a trusted Managing General Agency, Veracity Insurance Solutions brings deep expertise in placing specialty and non-standard risks. Our in-house binding authority allows us to quote and issue policies quickly, helping you serve your clients efficiently. Whether you’re placing a contractor with subcontracted work or a lessor’s risk for a small apartment building, our team is ready to support you with responsive service and underwriting know-how. For more information about our Contract Binding program, contact our team today. We’re here to help you find the right coverage for your clients’ needs. Frequently Asked Questions What types of accounts are a good fit for Veracity’s Contract Binding program?This program is ideal for general and trade contractors, lessors' risk, retail operations, and service-based businesses with low to moderate exposures. Is this program available for new ventures or startups?Yes, Veracity accepts new entities and startups, as long as they fall within the target classes and exposure levels. What is the minimum premium for this program?The minimum premium starts at $500, making it accessible for smaller accounts. Are policies written on an admitted or non-admitted basis?All policies in the Contract Binding program are written on a non-admitted basis, allowing for greater flexibility in underwriting. In which states is this program available?The program is available in most states across the U.S., including CA, TX, FL, NY, and many others. Please consult the full list to confirm eligibility. Need help placing an account? Connect with a market specialist.

Midlands Management Corp offers a specialized insurance program tailored for small to medium-sized Roofing Contractors operating in both residential and commercial sectors. Whether your client is a full-time roofer, a part-time operation, or a start-up business, our program is designed to accommodate a wide range of risks—including those that are often difficult to place. With competitive rates, broad protection, and exceptional service, Midlands is a preferred partner for agents across the country. Ideal Accounts and Appetite We welcome a variety of artisan contractors, with a strong focus on roofing operations. This includes general roofers as well as contractors involved in related trades. Our appetite includes: • Roofers • Handyman services • Tree pruning • Plumbers • Masonry and concrete • Painting contractors • Landscaping • Janitorial services • Tile, stone, and marble installation • Flooring installers • Land grading • Heating & air contractors • Drywall installers • Fence installation • Residential cleaning • Paperhangers • Electricians • Interior decorators • And more… This program is ideal for agents working with smaller artisan contractors, including those just entering the market or operating on a part-time basis. For example, if you have a client starting a residential roofing business or a handyman expanding into roofing services, this program could be a great fit. Coverage Highlights and Advantages Our Roofing Contractors program offers flexible and comprehensive coverage options to meet the unique needs of each insured. Key features include: • General property • Business personal property • General liability with limits up to $1,000,000/$3,000,000 • Blanket additional insured endorsement • Primary/non-contributory wording and waiver of subrogation • Aggregate limits endorsements • Coverage for prior completed work • Coverage for owned, leased, or rented tools and equipment • Easy billing and renewal options • Admitted and non-admitted markets available Underwriting Notes and Minimum Premium We offer flexible deductible options starting from $500 and aim to provide solutions for accounts that may not fit standard markets. Our minimum premium starts at $550, making this program accessible for smaller operations that still need robust protection. Territories and Availability This program is available in the following states: AL, AZ, AR, CO, FL, GA, ID, IL, IN, IA, KS, KY, LA, MI, MN, MS, MO, MT, NE, NM, NC, ND, OK, SC, SD, TN, TX, UT, WA, WI, and WY. We offer both admitted and non-admitted options depending on the state and specific risk profile. Why Work With Midlands Management Corp As a trusted Managing General Agency and Carrier, Midlands Management Corp combines underwriting expertise with exceptional service to help agents secure the right coverage for difficult-to-place contractor risks. Our flexible approach, broad appetite, and responsive support make us a reliable resource for agents looking to grow their contractor book of business. Place your next Roofing Contractors risk with us and see why we’re a favorite among agents nationwide. Frequently Asked Questions What types of accounts are a good fit for this Roofing Contractors program?This program is ideal for small to medium-sized roofing contractors, including start-ups, part-time businesses, and artisan contractors in related fields like painting, plumbing, or HVAC. Are start-up or new roofing businesses eligible?Yes, we welcome start-up roofing operations and part-time businesses, provided they meet basic underwriting requirements. What limits and deductibles are available?General liability limits up to $1,000,000 per occurrence/$3,000,000 aggregate are available, with deductibles starting at $500. Is the program admitted or non-admitted?We offer both admitted and non-admitted options depending on the state and risk classification. In which states is this program available?The program is available in 34 states including TX, FL, GA, IL, AZ, and others across the Midwest, South, and West. Need help placing an account? Connect with a market specialist.