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Contractors face a wide range of liability exposures that vary by trade, project stage, and scope of operations. Novatae Risk Group offers a flexible, affordable General Liability solution through the Contractor General Liability Insurance – Monoline AXV program. Designed for artisan and general contractors, this program helps protect your clients from third-party bodily injury, property damage, and other common contracting risks. Underwritten by an A.M. Best-rated AXV carrier, this monoline General Liability program is available for more than 200 contractor classes. Whether you’re placing business for a small drywall installer or a large excavation operation, Novatae provides underwriting expertise and fast turnaround to help you serve your clients efficiently. For more information or to discuss a specific account, contact our experienced brokers at 800-758-8113. Program Highlights: SAME DAY QUOTE, BIND AND ISSUE!! $1,000,000 / $2,000,000 CGL limits — ISO form (standalone) Excess liability available up to $5,000,000 Property values up to $25,000,000 considered — fast approval process for larger accounts Program Features: Admitted and non-admitted AXV-rated carrier options Minimum premium: $500 Minimum deductible: $500 ISO form General Liability coverage Target Contractor Classes (Not All-Inclusive): Appliance Installation Carpentry Concrete & Asphalt Developer - Builder Dirt Work Drywallers Electricians Excavation General Contractors HVAC Landscaper Metal Erectors Masonry Painters Paving Pipeline Plumbers Pool Contractors Road & Bridge Contractors Roofing Contractors Septic Tank Cleaners Sewer Contractors Sheet Metal Sign Erectors Submission Requirements: Acord 125 and 126 for General Liability Three years of loss runs required Program supplemental application Territories and Availability: This program is available in most states, including AL, AK, AZ, CA, CO, CT, FL, GA, IL, KY, LA, MN, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, WV, and WI. Admitted and non-admitted options are offered depending on state rules and the risk profile. Why Work With Novatae Risk Group? As a wholesale broker, Novatae Risk Group provides broad market access and deep experience with contractor exposures. Our underwriters focus on contractor classes and construction operations, enabling faster decisions and competitive terms. You’ll get practical underwriting feedback, responsive service, and same-day quote/bind capability on qualifying accounts. Example fits: you might have a local roofer needing a $1M/$2M CGL on an admitted basis, or a large excavation contractor requiring primary limits with excess capacity — both are typical submissions the program can consider. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for artisan and general contractors, including electricians, roofers, HVAC technicians, landscapers, and many other contractor classes — over 200 eligible classes in total. Is this program available in my state?It is available in most states listed above, with admitted or non-admitted options depending on the state. Contact Novatae to confirm availability for a specific risk. What submission documents are required?Submit Acord 125 and 126, three years of loss runs, and the program supplemental application for full consideration. Can I get a quote the same day?Yes — for qualifying submissions, Novatae offers same-day quote, bind, and issue capabilities. What is the minimum premium for this program?Minimum premium starts at $500; final premium depends on class, limits, exposures, and state regulations. Need help placing an account? Connect with a market specialist.

Artisan contractors face a unique set of liability exposures depending on their trade, project type, and stage of construction. Novatae Risk Group offers a flexible and comprehensive General Liability Insurance program tailored specifically for small to mid-sized artisan and specialty trade contractors. Whether your client is involved in new residential builds, commercial tenant improvements, or remodeling projects, we provide access to markets that understand their risk profile. Through our partner Empire, we offer General Liability coverage for over 200 contractor classes. This broad appetite allows you to place a wide range of accounts with confidence. Our solutions are designed to meet the real-world needs of independent contractors and help you deliver competitive, customizable coverage options to your clients. Call us at 800-758-8113 to speak with a broker who understands Artisan Contractors General Liability placements. Overview of the Program: This program is built for artisan and specialty trade contractors working on residential and commercial construction projects. It includes accounts involved in new construction, remodeling, tenant improvements, and new single-family home development. We work with both admitted and non-admitted carriers rated up to A-XV, and offer coverage in most states with a minimum premium starting at $1,500. Ideal Accounts and Market Focus: We focus on artisan contractors with less than $1 million in annual payroll. Eligible accounts include: New residential or commercial construction (up to 3 stories) Remodeling and repairs for residential or commercial structures Contractors with 75%+ of their operations in approved class codes Example accounts that fit well include a residential remodeler focused on kitchen and bath upgrades or a small HVAC installer expanding into light commercial work. Restricted/Ineligible Operations: New construction of condominiums, condo conversions, and townhouses (some exceptions apply) Projects involving structures over 3 stories (some exceptions apply) High-hazard exposures such as process piping, blasting, tunneling, or public utilities Coverage Highlights: Blanket Additional Insured endorsements Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate limits Limited coverage for Subsidence and Prior Projects Submission Requirements: Completed ACORD applications 3–5 years of currently valued loss runs Program-specific supplemental application Pollution supplement for applicable project types Sampling of Eligible Contractor Classes: General Contractor (New Residential) Remodel Contractor (Residential & Commercial) Air Conditioning System Installation Carpentry (Framing & Interior) Concrete (Flat) Electrical Drywall Fencing Garage Door Installation Excavation Handyman Services HVAC Janitorial Landscape Contractors Masonry Metal Erection (Decorative/Structural) Painting (Interior & Exterior) Plumbing (Residential & Commercial) Roofing (New & Repair) Septic Tank Services Siding and Decking Street/Road Paving Swimming Pool Installation & Cleaning Tile and Marble Installation Tree Trimming Welding Need a quote for Artisan Contractors General Liability Insurance? Email your submission to [email protected] or call 813-448-9300 to speak with an underwriter today. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized artisan contractors with under $1 million in annual payroll, including trades like HVAC, electrical, drywall, and residential remodelers. Are new residential construction projects eligible?Yes, new construction for single-family homes and low-rise commercial buildings (up to 3 stories) is eligible, provided the contractor falls within approved class codes. What are some common ineligible risks?We typically exclude new condominium construction, projects over 3 stories, and high-hazard operations like blasting, tunneling, and work on public utilities. What documentation is required for a submission?We require ACORD forms, 3–5 years of loss runs, a supplemental application, and a pollution supplement if applicable to the project type. In which states is this program available?The program is available in most states, including AL, CA, FL, TX, GA, NC, PA, and others. Contact us to confirm availability in your client’s location. Need help placing an account? Connect with a market specialist.

Property management operations present a broad range of workers' compensation challenges — multiple property types, varied employee duties, seasonal or transient staffing, and multi-jurisdiction exposures. Novatae Risk Group offers a specialized Non-Standard Workers Comp Insurance program tailored to property management risks that are difficult to place in the standard market. The program helps agents and brokers secure reliable coverage for higher-exposure or hard-to-place accounts. Backed by more than 30 years of experience and delivered in partnership with Empire Underwriters, Novatae's program provides flexible solutions to control costs, improve compliance, and simplify claims handling. It is designed to serve accounts exiting assigned-risk pools or state funds, non-renewed accounts, new ventures with operational need, and other non-standard placements where standard markets are unwilling or unable to offer terms. Ideal Accounts and Appetite Property management firms with difficult class codes and elevated experience mods (X-mods typically 1.30–3.00) Accounts leaving state funds, assigned-risk, or an insurer of last resort Non-renewed or canceled accounts with prior loss activity New ventures or startups with no prior coverage but valid payroll and operational plans Accounts with coverage lapses that can provide a loss affidavit and supporting documentation Example fits: you might have a client who manages multiple apartment communities with on-site maintenance and security staff and a recent claims history, or a property manager of retail centers that experienced prior coverage gaps and increasing payroll exposure. Coverage Highlights and Advantages Pay-As-You-Go workers' comp — no premium deposit required No premium audits, reducing administrative burden for clients and brokers Improved cash flow through flexible premium and payroll options Dedicated loss control and risk management support tailored to property operations Claims handled proactively with an emphasis on containment and fair outcomes HR support services including unemployment claims, garnishments, COBRA administration, and related services Full payroll services with tax remittance, 941s, W-2s, and payroll compliance support In-house check cutting and other payroll fulfillment options ASO (Administrative Services Only) and PEO (employee leasing) structures available where appropriate High-retention policy design — coverage remains active until canceled per policy terms Underwriting Notes and Minimum Premiums Required submission items: ACORD 130, applicable class supplemental form, three years of loss runs, a loss affidavit for lapsed or no-prior accounts, explanation for any claims over $20,000, and current experience mod sheets Minimum premiums vary by state and by risk class; underwriters will advise at review Only accounts that meet one or more eligibility criteria will be considered; this is not a market for accounts that have competitive standard-market offers Not suitable: low X-mods or accounts simply shopping for lower rates when standard coverage is available Territories and Availability The Non-Standard Workers Comp for Property Management program is available in most states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, and WI. Carrier access and specific appetite vary by state — carriers vary per state and placement is subject to local market availability. Why Work With Novatae Risk Group? Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines broker focused on challenging workers' compensation placements. Our underwriters understand the operational nuances of property management and work with Empire Underwriters to provide non-standard solutions, streamlined underwriting, and a suite of value-added services that make placement and administration easier for you and your clients. Need a quote? Email [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of accounts are a good fit for this program?This program targets property management companies with difficult class codes, elevated experience mods, prior claims issues, or those exiting assigned-risk pools or state funds. Can I submit an account that has had a lapse in coverage?Yes. Accounts with a lapse can be considered if they meet underwriting criteria and include a completed loss affidavit plus supporting documentation. Is prior coverage required for eligibility?No. New ventures or accounts with no prior coverage may be eligible, particularly when they fall into tough classes or have multi-state exposures. Are premium audits required?No. One advantage of this program is the absence of premium audits, which reduces administrative work and helps clients manage cash flow. Which states is this program available in?The program is offered in most U.S. states (see Territories and Availability above). Market access and carrier appetite vary by state and by class. Need help placing an account? Connect with a market specialist.