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...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...

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

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.

...ce program for Office Equipment Installers. With more than 30 years of experie...naire specific to office equipment installers Details on any large or unus...

Garage door installers play a critical role in residential...

Novatae Risk Group offers a focused Cabinet Maker Workers Compensation Insurance program to help agents and brokers place workers’ compensation for businesses in the custom woodwork and cabinetry industry. Whether your client works in residential remodels, commercial construction, or produces high-end custom cabinetry, this program provides tailored workers’ comp solutions backed by an “A”-rated carrier. Our underwriting team has a strong appetite for a broad range of cabinetmaking operations and delivers competitive options with fast service. Novatae underwrites accounts from small artisan shops to larger manufacturers with multi-location operations or mobile installation crews. We understand the exposures in manufacturing, finishing, and on-site installation and structure terms to reflect those unique risks. Ideal Accounts and Appetite Custom cabinet makers, woodworking shops, and millwork shops Residential and commercial cabinet installation contractors Manufacturers that use on-site or mobile installation teams Accounts with clean to moderate loss histories You might have a client who recently added on-site installation crews and needs a market that understands mobile exposures, or a growing cabinet manufacturer seeking more competitive workers’ comp placement. Those are typical good fits for this program. Program Highlights Coverage available in over 20 states Fast quote turnaround with complete submissions 10% commission for producers Access to an “A”-rated carrier for stability and reliability Underwriting Requirements and Minimum Premium The program’s minimum premium starts at $7,500. To obtain a quote, submit a complete file including: Completed ACORD 130 application Three years of currently valued loss runs Supplemental questionnaire Details for any large or unusual losses Complete submissions help us accelerate turnaround and improve placement outcomes. Territories and Availability Novatae’s Cabinet Maker Workers Compensation program is currently 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, and WV. Why Work With Novatae Risk Group As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group brings niche expertise in specialty construction and manufacturing accounts. We combine flexible underwriting, broad market access, and responsive service to help you place cabinet maker workers’ comp business quickly and competitively. Need a workers’ compensation quote for a cabinet maker client? Send submissions to [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of cabinet making businesses are eligible for this Workers Comp program?We accept a wide range of accounts, including custom woodworkers, cabinet manufacturers, and installation contractors serving residential and commercial markets. What documents are required to receive a quote?Submit a completed ACORD 130, three years of loss runs, a supplemental questionnaire, and details on any large losses to receive a quote. What is the minimum premium for this program?The minimum premium starts at $7,500, making the program suitable for small to mid-sized operations. In which states is this program available?The Cabinet Maker Workers Comp program is available in over 20 states, including CA, FL, TX, and NY. Refer to the territories list above for the full state roster. How quickly can I get a quote?With a complete submission, Novatae aims to provide fast turnaround on quotes so you can move accounts efficiently. Need help placing an account? Connect with a market specialist.

Sheet Metal Contractors face a broad range of general liability exposures, from working on small-scale residential projects to large commercial structures. Their work often involves elevated risks related to installation, repair, and remodeling. For insurance agents and brokers, placing these accounts requires access to a flexible, contractor-specific program—not a generic one-size-fits-all solution. Novatae Risk Group offers a custom-tailored General Liability Insurance program designed specifically for small to mid-sized Sheet Metal Contractors. With underwriting provided by Empire Underwriters and access to both admitted and non-admitted carriers rated up to A-XV, this program delivers dependable coverage options, fast quoting turnaround, and hands-on broker support. Ideal Accounts and Appetite This program targets sheet metal contractors with annual payrolls under $1,000,000. Eligible operations include: Sheet metal installation for residential and commercial buildings Service and repair work on existing structures New construction of single-family homes and low-rise commercial buildings Remodeling and repair projects You might have a client who installs ductwork in commercial retail spaces or one who services metal siding on residential homes—both are a great fit for this program. Ineligible Risks New construction of condominiums or townhouse developments (some exceptions may apply) Projects involving structures taller than three stories (subject to exception review) Coverage Highlights Blanket Additional Insured endorsements Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate limits Limited Subsidence coverage Prior Projects coverage (with limitations) These features help your clients meet contract requirements and protect against job site liability exposures. Submission Requirements and Minimum Premium Completed ACORD applications 3–5 years of currently valued loss runs Supplemental application for sheet metal operations Project-specific pollution application, if applicable Minimum premiums start at $1,500, depending on risk profile and state. 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, NC, PA, SC, TN, TX, UT, VA, and WV. Coverage is offered through both admitted and non-admitted carriers, allowing flexibility across a range of regulatory environments. Why Work With Novatae Risk Group? As a wholesale broker with deep expertise in contractor risks, Novatae Risk Group provides agents and brokers with access to customized insurance solutions backed by responsive underwriting teams and strong carrier relationships. Their sheet metal contractor program is built to help you serve your clients faster and with greater confidence. Call 800-758-8113 to speak with an experienced broker, or email your submission to [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?Small to medium-sized sheet metal contractors with under $1,000,000 in annual payroll who focus on installation, service, repair, or remodeling projects are ideal for this program. Are new construction projects eligible?Yes, new construction work on single-family homes and low-rise commercial buildings is eligible. However, new condo or townhouse developments are generally excluded. What documentation is required to submit an account?You will need completed ACORD forms, loss runs for the past 3–5 years, a supplemental application, and a pollution-specific application if applicable. What coverages are commonly included?Available coverages include Blanket Additional Insured, Waiver of Subrogation, Primary and Non-Contributory wording, and Per Project Aggregate, among others. In which states is this program available?The program is available in over 25 states, including CA, TX, FL, NY, and many others across the South, Midwest, and West. Need help placing an account? Connect with a market specialist.

...g lawncare providers, sprinkler installers, and landscape architects. Is this ...