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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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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.