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A tile installation contractor’s work can vary widely—from residential remodeling to commercial flooring installations. Whether your client operates a storefront or strictly performs on-site installations, they face a diverse set of liability exposures. Novatae Risk Group, in partnership with Empire Underwriters, brings over 30 years of experience working with contractors and offers a specialized General Liability Insurance program tailored to the unique risks of tile installation professionals. Our program is designed to help insurance agents and brokers secure competitive and comprehensive coverage options for small to medium-sized tile contractors. We offer solutions that address everything from job site injuries and property damage to more complex claims related to prior projects and subcontractor liability. Our underwriting team has the industry expertise to analyze operations and develop tailored risk management strategies that meet your clients' specific needs. Overview: This program offers General Liability Insurance and risk management services for tile installation contractors with a focus on small to mid-sized businesses. Ideal for operations with less than $1,000,000 in annual payroll, the program is underwritten by admitted and non-admitted 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 projects 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 to 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 offer access to both admitted and non-admitted markets, with carriers rated as high as A-XV for financial stability. 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 Choose Novatae Risk Group: As a trusted wholesale broker, Novatae Risk Group gives you access to exclusive contractor markets and expert underwriting support. We help you navigate complex submissions and secure the right coverage for your clients. Whether you're placing a tile contractor specializing in residential remodels or a small team working on light commercial builds, our program offers flexible, competitive solutions. Ready to get started? Send your submissions to [email protected] or call 800-758-8113 to speak with an experienced 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 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 condo construction, condo 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. What are the minimum submission requirements?Agents must provide ACORD applications, 3–5 years of loss runs, a supplemental application, and a pollution application if applicable. Need help placing an account? Connect with a market specialist.