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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.

With the daily risks of running a small business, having reliable Commercial General Liability (CGL) insurance is essential. Whether incidents occur on-site, off-site, with employees, or customers, the right coverage protects your clients from costly exposures. Novatae Risk Group offers a flexible and robust monoline General Liability program designed to meet the unique needs of small to mid-sized businesses across more than 200 classes. Our program is built for speed and flexibility—offering same-day quote, bind, and policy issuance capabilities to help you move quickly for your clients. This program is available in most states and backed by A.M. Best rated carriers (as high as A-XV), with both admitted and non-admitted options. Whether you're working with a retail shop, contractor, or niche account, we provide access to markets that can handle a broad range of exposures. Call our experienced brokers at 800-758-8113 to discuss your client's General Liability needs. Program Highlights: SAME-DAY QUOTE, BIND, AND ISSUE! $1,000,000 / $2,000,000 CGL Limits on ISO Form Standalone Excess Liability up to $5,000,000 AVAILABLE Property Values up to $25,000,000 (Submit for Fast Approval) Program Features: Carriers rated A-XV by A.M. Best Minimum Premium: $500 Minimum Deductible: $500 ISO Form General Liability Target Accounts: Apartments Office Buildings Bed & Breakfasts Health Clubs Plant Nurseries Restaurants Upholsterers Retail Stores Hardware Distributors Gas Stations Mini-Golf Centers Appliance Distributors Gun Clubs Video Stores Barber / Beauty Salons Home Improvement Stores RV Parks Funeral Homes Health & Sports Clubs Theatres Taxidermists Auto Parts Distributors Hotels / Motels Museums Open-Air Parking Lots Printers Warehouses Vacant Land & Property Target Contractor Classes: We welcome a wide range of artisan contractor classes including Sewer Contractors, Roofers, Sign Erectors, Painters, Drywallers, Plumbers, Septic Tank Cleaners, HVAC Technicians, Appliance Installers, and Metal Erectors. Submission Requirements: ACORD 125 and 126 for General Liability ACORDs for Property / Equipment if applicable 3 Years of Loss Runs Supplemental Application Territories and Availability: This program is available in 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. Both admitted and non-admitted options are available depending on your client’s state and risk profile. Why Work With Novatae Risk Group? As a wholesale brokerage with extensive market access and underwriting expertise, Novatae Risk Group is committed to helping agents write more business quickly and efficiently. Our same-day processing capabilities, broad class appetite, and competitive pricing make this program ideal for agents looking to place a wide variety of small business accounts. Whether you're working with a roofer in Texas or a retail store in New Jersey, we can help you secure the coverage your clients need—fast. Frequently Asked Questions What types of accounts are a good fit for this program?This program targets over 200 small to mid-sized business classes, including contractors, retail stores, apartments, restaurants, and more. Can I get coverage issued the same day?Yes, Novatae can quote, bind, and issue policies the same day for qualified submissions. Is this program available on an admitted basis?Both admitted and non-admitted options are available, depending on the risk and state. What documents are required for a submission?Submissions should include ACORD 125 and 126, 3 years of loss runs, and any applicable supplements or property/equipment ACORDs. What is the minimum premium for this program?The minimum premium starts at $500, making it accessible for even smaller accounts. Need help placing an account? Connect with a market specialist.

Machine shops are dynamic, high-risk environments with complex machinery, tight deadlines, and physically demanding work. These conditions make Workers Compensation Insurance essential for protecting both employees and business owners. Novatae Risk Group offers a focused Machine Shop Workers Compensation Insurance program that helps agents place tough-to-insure and distressed accounts with speed and confidence. Whether your client is a newly established machine shop, has an elevated experience modification (MOD), or operates across state lines, Novatae can help. We partner with a broad network of "A" rated carriers and specialize in placing hard-to-place risks, including accounts that have been non-renewed, cancelled, or have lapses in coverage. Ideal Accounts and Appetite Experience MOD of 1.30 or greater High-hazard industries and difficult class codes (CNC machining, metal fabrication, tool & die) Accounts with blue-, gray-, and white-collar exposures Risks currently in state pools or assigned risk funds New ventures and startups with no prior Workers Comp Multi-state operations and regional exposures Accounts with prior cancellations, non-renewals, or coverage lapses You might have a client running a busy CNC shop with a recent loss history, or a machine shop expanding payroll and operations into multiple states—Novatae has solutions for both situations and more. Coverage Features and Program Advantages Fast turnaround on quotes and underwriting decisions Access to many "A" rated carriers across admitted and non-admitted markets Stand-alone Workers Compensation policies available Flexible plan structures: guaranteed cost, high deductible, dividend, and retrospective (retro) plans Custom account handling and integrated workers’ comp solutions to manage complex exposures The program is built to give you flexibility and multiple placement options for challenging machine shop accounts. Submission Requirements Completed ACORD 130 application 3–4 years of loss runs Details on any large losses or open claims Completed supplemental questionnaire (when requested) Underwriting Notes and Minimum Premiums Minimum premium starts at $10,000. Final premium and market options depend on state jurisdiction, payroll mix, class codes, and loss history. Novatae evaluates each file to identify admitted and non-admitted markets that best fit the risk profile. Program Availability Novatae’s Machine Shop Workers Compensation program is available in most states, including but not limited to CA, TX, FL, NY, IL, and PA. We have experience placing multi-state accounts and managing regional exposures across a wide territory. Why Partner With Novatae Risk Group As a Managing General Underwriter and E&S broker, Novatae Risk Group brings decades of underwriting experience and deep carrier relationships to support agents and brokers. Our underwriting team understands the manufacturing and machining sectors and provides tailored placement strategies for complex workers’ comp risks. Contact us at 800-758-8113 to speak with an experienced broker about your Machine Shop Workers Compensation accounts. Need a Workers Compensation Insurance quote for a machine shop client? Send an email to [email protected] with the submission or call 800-758-8113 to reach an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best for machine shops with elevated MODs, high-hazard class codes, multi-state operations, startups, or accounts with prior coverage issues such as cancellations or non-renewals. Can I submit new machine shop startups with no prior coverage?Yes. Novatae regularly writes startup machine shops, including those without prior Workers Comp coverage, provided the business plan and safety controls are acceptable. What documents are required to submit an account?Provide a completed ACORD 130, 3–4 years of loss runs, details on any large or open claims, and the supplemental questionnaire when requested. Are multi-state exposures eligible for this program?Yes. Novatae has experience placing multi-state Workers Compensation risks and can coordinate admitted and non-admitted options across jurisdictions. What is the minimum premium for this program?The minimum premium typically starts at $10,000, though final terms depend on the state, payroll, class codes, and loss history. Need help placing an account? Connect with a market specialist.