Search CompleteMarkets

...he exposures common to flooring installers. The product was designed by Empire...remodelers, new single-family home installers, and small commercial tenant improvement installers with standard installation opera...

A tile installation contractor’s work can vary widely—from residential remodels to large commercial flooring installs. Whether your client operates a storefront or performs on-site installations, they face a range of liability exposures. Novatae Risk Group, in partnership with Empire Underwriters, brings more than 30 years of experience working with contractors and offers a specialized General Liability Insurance program tailored to tile installation professionals. This program is built to help insurance agents and brokers place competitive, comprehensive coverage for small to mid-sized tile contractors. We provide solutions for common exposures such as job site injuries and third-party property damage, plus options to address prior-project claims and subcontractor liability. Our underwriting team evaluates operations and works with you to develop risk management strategies that fit each client. Overview: This program offers General Liability insurance and risk-management services specifically for tile installation contractors, with a focus on small to mid-sized businesses. It is best suited for operations with less than $1,000,000 in annual payroll and is available through admitted and non-admitted markets with carriers rated as high as A-XV. Target Accounts and Market Focus: We’re actively seeking the following contractor classes: Tile and marble installation Wood flooring installation Carpet installation Vinyl floor installation Eligible operations include both new construction and remodeling for residential and commercial properties, including new single-family homes. Ineligible Risks: New construction of condominiums, condominium conversions, and townhouses (some exceptions may apply) Projects involving structures over three stories (some exceptions may apply) Coverage Highlights: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory endorsements Per-Project aggregate limits Subsidence coverage (with limitations) Prior projects coverage (with limitations) Underwriting Requirements: ACORD applications 3–5 years of currently valued loss runs Supplemental application Pollution – project specific application (if applicable) Minimum Premium and Carrier Strength: Minimum premiums start at $1,500. We place business with both admitted and non-admitted carriers, including markets rated as high as A-XV for financial strength. 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, WV. Why Work With Novatae Risk Group on Tile Contractors: As a wholesale broker, Novatae Risk Group provides access to exclusive contractor markets and hands-on underwriting support. We help you navigate complex submissions, tailor coverage to operational exposures, and place accounts that may not fit standard retail markets. Whether you’re placing a sole proprietor doing residential remodels or a small crew completing light commercial jobs, our program offers flexible options and responsive underwriting. Example accounts that typically fit this program: A two-person tile installation company that handles residential remodels and small commercial retail jobs, with annual payroll under $250,000. A flooring contractor offering tile and vinyl installation for new single-family homes and renovation projects, using subcontractors for larger jobs. Ready to get started? Send submissions to [email protected] or call 800-758-8113 to speak with an experienced underwriter. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized tile, wood flooring, carpet, and vinyl installation contractors with under $1 million in annual payroll. Are both residential and commercial projects eligible?Yes. The program covers both residential and commercial work, including new single-family homes and remodeling projects. What risks are not eligible for coverage?We typically cannot accommodate new condominium construction, condominium conversions, or buildings over three stories, though some exceptions may apply. Which states is this program available in?The program is available in 26 states including CA, TX, FL, IL, NC, and more (see program availability above for the full list). What are the minimum submission requirements?Provide ACORD applications, 3–5 years of currently valued loss runs, the supplemental application, and a pollution/project application if applicable. Need help placing an account? Connect with a market specialist.

Installers of burglar alarms, fire alarms, and...

Window and door installers face a distinct mix of on-site and ...lity Insurance for Door and Window Installers program, underwritten by Empire ...

Fence contractors face distinct risks because their work is mobile and often performed around active job sites and occupied properties. From hauling materials to installing posts, panels, gates and hardware, exposures differ between residential and commercial jobs. Novatae Risk Group offers a dedicated General Liability Insurance program designed to help fence contractors manage those risks and meet the insurance requirements of project owners and general contractors. Through our partnership with Empire Underwriters, Novatae provides access to a specialized solution for small- to medium-sized fence installation contractors. Whether your client installs backyard vinyl fences or handles large-scale ornamental iron projects for commercial properties, our team can help place appropriate coverage with competitive terms and responsive underwriting. Ideal Accounts and Target Appetite This program is best suited for fence contractors with annual payrolls under $1,000,000 and a focus on installation and light fabrication. Targeted classes include: Residential and commercial fence installation Wood fence installation Vinyl fence installation Ornamental iron fence installation Custom gate fabrication and installation Typical fits: independent contractors and small firms performing installation work where fencing is not part of large-scale heavy civil or extensive excavation operations. Accounts with payrolls or project scopes above program limits, significant demolition/excavation exposure, or persistent adverse loss histories may fall outside our appetite. Coverage Features and Enhancements Blanket Additional Insured endorsements Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate limits Subsidence coverage (with limitations) Prior Projects coverage (with limitations) These features help your insureds satisfy common contract requirements while protecting operations from third-party claims for bodily injury and property damage arising from installation activities. Submission Requirements Completed ACORD applications 3 to 5 years of currently valued loss runs Fence contractor supplemental application Pollution — project-specific application, if applicable Minimum premiums start at $1,500. Submissions are reviewed promptly by our experienced wholesale brokerage team to accelerate placement and bind decisions. Admitted and Non-Admitted Options We place coverage through both admitted and non-admitted markets, including carriers rated as high as A-XV. This flexibility helps meet state-specific requirements and contract demands across a range of risk profiles. Available States 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? As a wholesale broker with niche program access, Novatae Risk Group brings underwriting expertise and strong carrier relationships to each submission. We understand fence contracting operations and common contractual insurance requirements, so we help agents place business quickly and accurately. Example account scenarios: A small contractor who installs backyard vinyl and wood fences for homeowners and needs primary GL with additional insured endorsements. A regional installer providing ornamental iron fences and custom gates for commercial properties that requires per-project aggregate limits and primary/non-contributory wording. Our team assists with underwriting placement, tailoring endorsements where available, and answering coverage questions so you can compete for and close more accounts. Please contact us at 800-758-8113 to speak to our experienced brokers about your General Liability Insurance for Fence Contractors accounts. 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 Fence Contractors program?This program is ideal for small to medium-sized fence contractors with less than $1,000,000 in annual payroll, especially those performing residential and light commercial installation work. What coverage enhancements are available?Enhancements include Blanket Additional Insured, Waiver of Subrogation, Primary and Non-Contributory wording, Per Project Aggregate limits, and limited Subsidence and Prior Projects coverage. Which states is this program available in?The program is available in 26 states, including CA, TX, FL, GA, and IL. Contact us to confirm availability in your client's state. What are the submission requirements?Submissions should include ACORD applications, 3–5 years of currently valued loss runs, the fence contractor supplemental application, and a pollution-specific application if applicable. Is this program written on admitted paper?We offer both admitted and non-admitted options through carriers rated up to A-XV, depending on state and risk profile. Need help placing an account? Connect with a market specialist.

Novatae Risk Group offers access to a General Liability Insurance program built for siding and decking contractors who need reliable, affordable coverage. Many small contractors keep tight control of costs and may hesitate to buy liability insurance — but a single property damage loss can be far more expensive than a policy. This program gives you a practical market to place those accounts quickly. Novatae Risk Group places submissions into a product developed by Empire Underwriters in partnership with an “A”-rated carrier. The program is underwritten specifically for the operations and exposures common to siding and decking contractors, and is available on admitted and non-admitted paper where permissible. Please contact us at 800-758-8113 to speak to our experienced brokers about General Liability Insurance for Siding and Decking Contractors accounts. Overview: Insurance and risk management for small- to mid-size siding and decking contractors. The program is designed to cover common exposures from installation, repair, and remodeling work on residential and commercial projects. Market Focus: A General Liability program focused on contractors with payrolls typically under $1,000,000 per year. Available on admitted and non-admitted paper with carriers rated up to A-XV. Appetite: Commercial and residential siding installation Commercial and residential decking installation Eligible Risks: New construction on residential and commercial projects, including single-family homes Repair, remodeling, and retrofit work on residential and commercial properties Ineligible Risks: New construction of condominiums, condominium conversions, and townhouses (some exceptions may apply) Any structures or work above three stories (some exceptions may apply) Coverages Available: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per-Project Aggregate Subsidence (with limitations) Prior Projects (with limitations) Submission Requirements: Completed ACORD applications Currently valued loss runs (3 to 5 years) Supplemental application Pollution — project-specific application when applicable Underwriting Notes and Minimum Premiums: Underwriting evaluates payroll, scope of work, project types, subcontractor use, and loss history. The program generally targets accounts with straightforward siding and decking operations; extensive structural work, significant premises-liability exposures, or complex pollution hazards may require referral. Minimum premium: $1,500. Territories and Availability: Most available states. Currently offered in: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, WV. Coverage may be admitted or non-admitted depending on state regulations and carrier appetite. Why Work With Novatae Risk Group on This Business Specialized wholesale access to a program tailored for siding and decking contractors. Fast underwriting response for straightforward accounts and flexible options for additional insureds, waiver of subrogation, and per-project aggregates. Placement on admitted or non-admitted paper with carriers rated as high as A-XV to meet client and certificate demands. Experienced brokers to help package accounts and present risk information effectively to underwriters. Example fits: A small family-owned siding contractor with $400,000 payroll doing single-family home installs and repair work with minimal subcontracting. An independent deck installer performing residential deck construction and occasional commercial decking jobs, seeking blanket additional insured and primary/non-contributory wording for contractor relationships. Do you need a General Liability Insurance quote for your siding and decking contractor account? Send an email to [email protected] with your submission or call 800-758-8113 to speak to an underwriter. Frequently Asked Questions What types of siding and decking contractors are a good fit for this program?Small to mid-size contractors performing commercial or residential siding and decking installation, repair, or remodeling work with annual payrolls generally under $1,000,000 are ideal. Accounts with straightforward operations and limited structural alterations fit best. Which coverages can I request on behalf of my insured?The program offers typical GL features including blanket additional insured, waiver of subrogation, primary and non-contributory wording, and per-project aggregates. Subsidence and prior projects coverage are available with limitations — submit specifics for review. What do you need to submit a quote?Provide a completed ACORD application, a supplemental application when applicable, currently valued loss runs for the last 3–5 years, and a project-specific pollution application if there are pollution exposures. Are quotes available on admitted paper?Yes. The program can place business on admitted or non-admitted paper depending on the state and carrier appetite. Novatae Risk Group will confirm the best placement when reviewing the submission. Is there a minimum premium or other common binding requirements?The program typically has a minimum premium of $1,500. Binding requirements and endorsements vary by carrier; include details about certificate and additional insured requirements at submission so underwriters can address them up front. 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.

California contractors face unique challenges when securing quality Workers Compensation Insurance, especially when dealing with high-risk classes or new ventures. Novatae Risk Group offers a tailored solution through our A Rated California Contractors Workers Comp Insurance Program, designed specifically to help independent insurance agents like you place and retain more contractor business in California. This program is backed by an A Rated Admitted Carrier and is available exclusively in California. Whether your client is a seasoned contractor or a new venture, we provide competitive options for a wide range of industries and risk classes. Our experienced team understands the nuances of contractor exposures and is ready to help you find the right fit for your accounts. Ideal Accounts and Appetite This program is ideal for agents looking to place Workers Comp for both standard and tough-to-place California contractors. We have an appetite for: New ventures with clean operations Contractors with prior loss history (with explanations) Hard-to-place classes such as roofing, concrete, and excavation Accounts needing standalone Workers Comp policies You might have a client who just launched a drywall installation company or a plumbing contractor expanding operations. We can help you place these accounts competitively and efficiently. Coverage Highlights and Advantages "A" Rated by A.M. Best Admitted carrier in California Standalone Workers Compensation policies New ventures accepted Monthly self-reporting options Up to 10% commission for agents Flexible underwriting for tough classes Underwriting Requirements To submit a risk for consideration, please include the following: Completed Acord 130 3–4 years of loss runs No lapses in coverage Details on any large losses California Contractors Workers Comp Supplemental Questionnaire Sampling of Eligible Classes 0042 Landscaping 5027/5028 Masonry 5107 Door or Window Installation 5140/5190 Electricians 5186 Sprinkler Installation 5187 Plumbing 5201/5205 Concrete Construction 5348 Tile Installation 5446/5447 Drywall Installation 5474/5482 Painters and Waterproofing 5484/5485 Interior Plastering 5506/5507 Street or Road Construction 5538/5542 Sheet Metal 5645/5697 Carpentry 6218/6220 Excavation 6307/6308 Sewer Construction 9008 Janitorial 9009 Building Operations 9015 Building Maintenance Territory and Program Availability This program is available exclusively in California and is written through an Admitted, A Rated Carrier. Minimum premium varies by class and risk profile. Why Work With Novatae Risk Group? Novatae Risk Group is a trusted Managing General Underwriter and Excess & Surplus Lines Broker with deep expertise in the construction sector. We provide responsive service, flexible underwriting, and access to competitive carriers—so you can close more business and retain your contractor clients. Our team is ready to help you navigate complex submissions and deliver reliable Workers Comp solutions that fit your insured’s needs. Need a Quote? Send your submission to [email protected] or call an underwriter directly at 800-758-8113. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for California-based contractors, including new ventures and those in higher-risk trades such as concrete, drywall, excavation, and plumbing. Can I submit risks with loss history?Yes, accounts with prior losses can be considered, but you must include detailed explanations and loss run reports. Is this a good option for new ventures?Absolutely. New ventures are eligible under this program, provided they meet underwriting criteria and have no lapses in coverage. What documents are required to submit a risk?You’ll need a completed Acord 130, 3–4 years of loss runs, a supplemental questionnaire, and details on any large losses. What commission structure is offered to agents?This program offers competitive commissions, with up to 10% available based on the account and carrier terms. Need help placing an account? Connect with a market specialist.

...ini-Golf Centers Appliance Distributors Gun Cl...ic Tank Cleaners, HVAC Technicians, Appliance Installers, and Metal Erectors. Submission...