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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.

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.

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.