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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.

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