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...ritical first step in protecting appliance installation businesses from a wide...ng both residential and commercial installers. Are both admitted and non-admit...

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.

...al Liability coverage for glass installers with an annual payroll under $1,000...neral Liability accounts for glass installers today. Need a quote? Email your ...

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

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.

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McGowan Excess & Casualty Trade Contractors Umbrella Insurance Overview of the Program From The McGowan Companies The McGowan Companies offers a focused Trade Contractors Umbrella Insurance program through McGowan Excess & Casualty, designed for agents and brokers seeking excess liability capacity for trade and artisan contractor clients. Whether your insureds perform commercial construction, municipal subcontracting, or specialty residential work, this program delivers the additional layer of liability protection needed to meet contractual obligations and to protect against catastrophic loss. As a Managing General Underwriter with broad market access, McGowan combines underwriting expertise and flexible placement options to address the varied exposures of trade contractors. The program is available in most states and is commonly placed on a non-admitted basis where appropriate. Ideal Accounts and Appetite This program targets a wide range of trade contractors working in residential, commercial, and light industrial construction. Eligible classes include: Electricians Plumbers Paving and grading contractors Cable installation HVAC contractors Drywall and flooring installation Landscaping and painting Septic tank installation Solar panel installation Sewer and water main contractors Swimming pool contractors Tile, plastering, and masonry Concrete, carpentry, roofing, and siding If you have a client installing commercial solar arrays who needs higher limits for contract compliance, or a subcontractor working on a municipal sewer project requiring layered excess capacity, this program is built to provide the necessary umbrella limits and flexible layering. Coverage Highlights and Advantages Commercial Umbrella Liability – Provides an additional layer of liability protection above qualifying underlying policies. Follow Form Excess Liability – Can follow form over eligible lead umbrellas for streamlined terms and consistency. Limits – Umbrella limits begin at $1MM with capacity up to $100MM. Excess layers can be placed from $1MM to $100MM over existing lead umbrellas. Terms are structured to accommodate high-exposure projects and strict contractual insurance requirements while remaining competitive for the trade segment. Underwriting Notes and Minimum Requirements Underwriters typically require underlying carriers to be rated A- / VII or better; limited exceptions may be considered for Employers Liability (EL) carriers. McGowan’s team evaluates each submission on its individual merits and is known for practical, creative approaches to structuring layered excess programs. Response times are generally quick when submissions are complete and clearly documented. Territories and Availability This program is available in most states across the U.S., including but not limited to: CA, FL, NY, TX, IL, GA, and PA. Coverage availability and admitted versus non-admitted options may vary by jurisdiction and carrier selection. Why Work With The McGowan Companies? The McGowan Companies bring decades of casualty and umbrella underwriting experience, strong market relationships, and access to both admitted and non-admitted capacity. Agents and brokers benefit from McGowan’s underwriting sophistication, speed to market, and willingness to tailor layered solutions that help clients meet contract and project requirements. Contact McGowan to discuss specific submissions and to determine how their Trade Contractors Umbrella Insurance program can help you place larger-limit excess liability for your contractor accounts. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for trade contractors such as electricians, HVAC technicians, roofers, masons, and other artisan trades working in residential, commercial, or municipal construction environments. What coverage limits are available?Umbrella limits start at $1MM and can go up to $100MM. Excess layers can also be written from $1MM to $100MM over qualifying lead umbrellas. Is admitted paper available?The program is available in most states, primarily on a non-admitted basis. Availability may vary by carrier and state regulations. Are there any underwriting requirements for the underlying carriers?Yes, underlying carriers generally need to be rated A- / VII or better. McGowan may consider exceptions for certain Employers Liability carriers on a case-by-case basis. How quickly can submissions be reviewed?McGowan is known for responsive underwriting. Turnaround depends on the completeness of the submission and the complexity of the risk, so include clear loss runs, contracts, and lead umbrella policy details for the fastest review. Need help placing an account? Connect with a market specialist.

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Standalone California Workers Comp Insurance Program from Novatae Risk Group Novatae Risk Group offers a focused Standalone California Workers Comp Insurance program built for contractors and other hard-to-place classes operating in California. Backed by admitted, A-rated carriers and flexible underwriting, this program helps agents and brokers place challenging workers’ compensation accounts that may not fit traditional markets. Ideal Accounts and Appetite This program targets a broad set of contractor and labor-intensive classes across California. It’s a strong fit for accounts such as: Construction trades — masonry, carpentry, drywall, plumbing, electrical Janitorial and building maintenance services Excavation, street and road work, and sewer construction New ventures with no prior coverage history (provided there are no lapses) Businesses with difficult class codes or limited market options due to prior losses Example scenarios: a new plumbing contractor seeking first-time standalone workers’ comp, or a drywall installer with a few years of loss history that needs an admitted, standalone policy—both are types of accounts Novatae’s program will consider. Highlights and Features: Admitted paper with A-rated carriers Standalone Workers Comp — no package required New ventures eligible when there are no prior coverage lapses Monthly payroll self-reporting option available Up to 10% commission potential High-risk and tough classes considered Submission Requirements To speed underwriting and improve placement chances, include the following with your submission: Completed ACORD 130 application 3–4 years of currently valued loss runs No lapse in coverage (lapses are not acceptable) Details on any large or catastrophic losses California Contractors Workers Comp Supplemental Questionnaire Sampling of Eligible Class Codes 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 work 5645/5697 Carpentry 6218/6220 Excavation 6307/6308 Sewer construction 9008 Janitorial services 9009 Building operations 9015 Building maintenance Territories and Carrier Info This workers’ compensation program is available exclusively in California. Novatae partners with admitted, A-rated carriers to provide admitted paper that meets state requirements and offers financial stability for your clients. Why Partner with Novatae Risk Group? Novatae Risk Group operates as a Managing General Underwriter and an Excess & Surplus Lines broker with deep experience placing niche and difficult-to-place workers’ comp risks. The team offers responsive underwriting, practical loss-history evaluation, and direct access to underwriters who understand California’s market. That combination helps you secure placement for new ventures, higher-mod accounts, and hard classes that other admitted markets may decline. Do you need a California Contractors Workers Comp Insurance Program Quote? 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 workers comp program?This program is tailored to California contractors, janitorial services, and other labor-intensive industries — including tougher classes and new ventures. Can I submit a new business with no prior coverage?Yes. New ventures are acceptable provided there have been no lapses in coverage. What documentation is required to submit an account?Include a completed ACORD 130, 3–4 years of currently valued loss runs, details on any large losses, and the California contractors supplemental questionnaire. Are high-mod or loss-sensitive accounts eligible?Yes. Novatae considers higher-mod and loss-sensitive accounts as long as underwriting requirements are met and documentation is complete. Is this program available outside of California?No. This specific workers’ compensation program is available only in California. Need help placing an account? Connect with a market specialist.