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...es, and correctional facilities Bridges, tunnels, and manufacturing faciliti... and non-admitted carriers to place Builders Risk in most states. Availability...

Bridge construction projects come with signi... of accounts are a good fit for this Bridge Contractors program?This program is ideal for small to large bridge construction businesses, including...

... to fit regional and large-scale builders alike. Ideal Accounts and Appetite ...ge residential projects or multiple builders on a single site Developers c...

...ers Dwelling Fire alternatives to bridge coverage gaps during construction: ... underwriters know how to structure builders’ risk and dwelling fire placement...

Novatae Risk Group specializes in Wrap-Up programs designed for project-specific General Insurance needs. A Wrap-Up consolidates coverage normally placed separately by owners, general contractors and subcontractors into a single, coordinated policy — reducing coverage gaps, minimizing conflicts between carriers during claim resolution, and supporting consistent safety and loss-control practices. The three core benefits of a Wrap-Up policy are Coverage, Control and Cost Savings. Wrap-Up programs are offered in two primary forms: Owner-Controlled (OCIP) and Contractor-Controlled (CCIP). Both types allow the project owner or prime contractor to spread risk among participants while providing a single insurance platform and coordinated safety program for everyone working on the project. *No two Wrap-Up policies are identical. Contact our office with questions about a specific project or to review a submission. Premiums have softened since the peak of the construction cycle, making now an attractive time for owners and contractors to consider Wrap-Up programs to better manage risk and control project insurance costs. Appetite: Residential tract developments, commercial projects, condos, townhomes, apartments and high-rise construction Program Highlights: Access to markets rated from A-VII to A-XV by AM Best (Non-Admitted AXV carrier) Typical Limits: $1M/$2M/$2M and higher available Builder/GC required to provide 3+ years of loss runs Minimum Premium: Starting at $25,000+ Minimum Deductibles: Typically start at $10,000 (BI/PD) Defense – Inside Blanket Additional Insured, Primary status, Waiver of Subrogation Subsidence coverage available subject to underwriting approval Requires PWC* warranty and formal Wrap administration (PWC warranty placed with a Zurich company) Underwriting Notes and Placement Guidelines This program is tailored for larger single-project placements or programs where consolidating multiple contractors under one policy delivers measurable cost and control benefits. Please expect standard Wrap submission requirements: complete project description, list of contractors and subcontractors, payroll and contract values, safety program documentation, and loss runs for the builder/GC (3+ years preferred). Minimum premiums and deductibles reflect the consolidated exposure profile of wrap-up placements. Limits, retentions and specific coverages (including subsidence or other project-specific endorsements) are set on a project-by-project basis by underwriting. Territories & Availability This Wrap-Up program is offered through a non-admitted AXV market and is available in the following states: AL, AK, AZ, CA, CO, CT, FL, GA, IL, KY, LA, MN, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, WV, WI. Availability may vary by state and by the specifics of the project; underwriters will confirm admissibility and any state-specific requirements during the submission review. Why Place Wrap-Up Business with Novatae Risk Group Specialized underwriting and program administration experience placing project-based Wrap-Up policies. Access to excess & surplus (E&S) capacity where needed for large or complex construction programs. Emphasis on coordinated safety and loss control to help lower claims friction and overall project costs. Responsive underwriting and experienced wrap administration partners, including PWC warranty placement relationships. Do you need a Wrap-Up Coverage 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 projects are a good fit for this Wrap-Up program?This program targets medium-to-large construction projects such as residential tract developments, multifamily (townhomes, apartments, high-rises), commercial developments and condominium projects where consolidating contractor coverage delivers administrative and cost efficiencies. What are the key underwriting minimums and documentation requirements?Underwriting typically requires 3+ years of loss runs for the builder/GC, a complete subcontractor schedule, estimated payrolls and contract values, a project safety plan, and confirmation of required warranties and wrap administration. Minimum premiums generally begin around $25,000 and deductibles commonly start at $10,000 for BI/PD. Is this an admitted program?No. This Wrap-Up offering is placed in the excess & surplus (non-admitted) market through a Non-Admitted AXV carrier. Availability is state-dependent; underwriters will confirm placement options for each project. What submission items help speed up placement?Provide a clear project summary (scope, schedule, location), GC and major subcontractor loss runs, estimated payrolls/values, the proposed list of participating contractors, and any existing safety or loss-control reports. Including a proposed wrap administration plan and confirmation of PWC warranty intent helps underwriters finalize terms faster. Need help placing an account? Connect with a market specialist.

...na operators and shipbuilders Bridge builders and painters Dock, pier,...ss codes, or a contractor performing bridge work over navigable waters — both ...

...actors Road & Bridge Contractors Roofing C...

Flat concrete contractors face distinct liability exposures because their work forms the foundation for structures and surfaces. Defective workmanship, inferior materials, or unexpected site conditions can lead to expensive claims—even years after a job finishes. Novatae Risk Group’s General Liability Insurance for Flat Concrete Contractors helps your clients manage those risks with tailored coverage and underwriting expertise. Through our relationship with Empire Underwriters, Novatae provides access to a program supported by “A”-rated admitted and non-admitted carriers. The program is built for small to mid-sized flat concrete contractors with annual payrolls under $1,000,000. Whether your client does smooth concrete, decorative finishes, or commercial and residential slabs, this market offers focused coverage and underwriting guidance designed for the trades you place. To discuss Flat Concrete Contractor accounts, call our brokers at 800-758-8113. Overview of the Program: This general liability program addresses the common and specialized exposures of flat concrete contractors working in residential and light commercial sectors. Coverage and endorsements are targeted to risks associated with flatwork slabs, decorative concrete, cleaning services, footers, and related site work. Ideal Accounts and Target Appetite: We are actively seeking small to medium-sized contractors with less than $1,000,000 in annual payroll. Target operations include: Smooth concrete flatwork (driveways, sidewalks, patios) Decorative, stamped, and finished concrete Concrete cleaning and restoration services Residential and light commercial slabs and footings Example fits: you might have a client who installs residential driveways and patios or a subcontractor placing slabs on small commercial projects. Those operations typically match this program’s appetite. Coverage Highlights: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per-project aggregate limits Subsidence coverage (subject to limitations) Prior project coverage (subject to limitations) Underwriting Requirements and Minimum Premium: Completed ACORD applications 3–5 years of currently valued loss runs Supplemental contractor application Project-specific pollution application (if applicable) Minimum premiums typically start at $1,500, and final pricing depends on state and class codes. Territories and Carrier Access: Coverage is available in most states, including 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. We place both admitted and non-admitted options with highly rated carriers (up to A-XV) depending on state and risk profile. Why Work With Novatae Risk Group: As a wholesale broker focused on construction, Novatae Risk Group delivers responsive service, deep market access, and practical underwriting support. We understand flat concrete exposures and work with brokers to place hard-to-bind or nuanced accounts efficiently. Our relationship with Empire Underwriters gives you expanded carrier options and tailored wording that matter on construction projects. Need a quote for a flat concrete contractor? Email submissions to [email protected] or call 800-758-8113 to speak with an underwriter. Frequently Asked Questions What types of accounts are a good fit for this program?Small to medium flat concrete contractors with payrolls under $1,000,000 — for example, residential flatwork specialists, decorative concrete installers, and light commercial slab contractors. What are the minimum premium requirements?Minimum premiums typically start at $1,500, but the final minimum depends on the state and operations class. What do I need to submit for a quote?Provide completed ACORD applications, 3–5 years of currently valued loss runs, the supplemental contractor application, and a pollution application if the account has pollutant exposures. Is coverage available in my state?The program is available in most states listed above. Contact us to confirm availability and admitted vs. non-admitted options for your client’s state. What carrier markets are used for this program?We utilize both admitted and non-admitted carriers, with available markets rated as high as A-XV depending on the risk profile and jurisdiction. Need help placing an account? Connect with a market specialist.