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...rs, Safety Plus, etc.), and/or paperhanging in some parking lot. If contact is...

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.

Insulation Contractors play a crucial role in building and construction, whether they manufacture insulation products or provide installation services for residential and commercial properties. These operations involve significant financial investment, regulatory exposure, and onsite risks. As an insurance agent or broker, you can support your clients in this niche by placing them with a market that understands their unique challenges. Novatae Risk Group offers a specialized General Liability Insurance program tailored for small to medium-sized Insulation Contractors. Through our partnership with Empire Underwriters, we help you secure comprehensive coverage that addresses the specific exposures your clients face—such as property damage, bodily injury, and project-specific risks. Whether your insured is working on new builds or remodeling projects, we can help you find the right fit. Call 800-758-8113 to speak with an experienced broker about your insulation contractor accounts and get started on a quote today. Program Overview This General Liability Insurance program is designed for small to mid-sized insulation contractors with annual payrolls under $1,000,000. It provides risk management solutions that align with the operational realities of insulation work—whether your client is installing spray foam in residential attics or conducting commercial retrofits. Target Accounts We’re actively seeking accounts that fall into the following categories: New construction for residential and commercial projects, including single-family homes Remodeling or repair work for both residential and commercial structures If you have a contractor client expanding into commercial insulation projects or a small business focused on home retrofits, this program could be a strong match. Coverage Highlights Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate limits Limited Subsidence and Prior Projects coverage available These coverages are structured to meet contractor bid requirements and help your clients remain competitive while protecting their operations. Submission Requirements Completed ACORD Applications 3–5 years of currently valued loss runs Supplemental Application Pollution - Project Specific Application (if applicable) Minimum Premiums and Carrier Strength Minimum premiums start at $1,500, with access to both admitted and non-admitted carriers rated as high as A-XV. This enables flexible solutions for diverse risk profiles and project scopes. 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. Most states offer admitted options. Why Partner With Novatae Risk Group? Novatae Risk Group is a trusted wholesale broker offering access to niche contractor programs and top-rated carriers. With deep underwriting knowledge and a responsive broker team, we help you move quickly from quote to bind, so you can focus on growing your book. Need a fast quote? Email your submission to [email protected] or call 800-758-8113 to speak with a knowledgeable underwriter today. Frequently Asked Questions What types of accounts are a good fit for this program?We target small to medium-sized insulation contractors with under $1,000,000 in annual payroll, including those working on residential or commercial new construction and remodeling projects. Is this program available in my state?The program is available in most states, including CA, FL, TX, GA, and more. Contact us to confirm availability in your client’s state. Do you offer coverage for contractors doing spray foam insulation?Yes, spray foam and other common insulation methods are eligible when part of residential or commercial projects that fit our appetite. What documentation is required to submit a quote?You’ll need completed ACORD forms, 3–5 years of loss runs, a supplemental application, and a project-specific pollution form if applicable. Are admitted carriers available through this program?Yes, admitted markets are available in most states, along with access to A-XV rated non-admitted carriers for more complex risks. Need help placing an account? Connect with a market specialist.

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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.