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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.