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A Custom Approach to Community Association Coverage Our Tailored Community Association Plan (TCAP) offers agents a comprehensive portfolio of insurance products specifically designed to address the unique exposures faced by condominium, townhome and single-family community associations, among others. We provide coverage for enhanced liability and property, full replacement cost, broad crime, equipment breakdown, directors and officers (D&O) liability and more. Using Marshall & Swift — the gold standard for building cost data — we help determine accurate replacement property values to ensure proper coverage amounts in the event of a loss. In addition to brokering to our contract markets for multifamily HOA coverages, we also underwrite two exclusive in-house programs: Wind/Hail Deductible Buyback Program through Lloyd’s of London, typically for properties with TIVs under $100 million (larger risks can be referred as needed) Single-Family HOA Program with Nationwide E&S, providing property, general liability, hired and non-owned auto, crime and D&O coverage in a single package policy Available across the continental U.S., TCAP programs help protect community associations’ property and assets against casualty losses, personal injury claims, property damage and catastrophic events. Coverage extends to directors, officers, trustees, employees, volunteers, committee members and the associations themselves for management liability exposures. Program Highlights Community Associations Institute (CAI) National Members Each community inspected every three years Credits available for property manager and companies with CAI-recognized professional designations Underwritten with an AM Best “A+” (Excellent) rated carrier with a Financial Size Category rating of XV Deductible options from $1,000 and greater A Lloyd’s of London Coverholder

...isks: New construction of condominiums, condominium conversions, and town...

...ible: New construction of condominiums, condominium conversions, and town...

Swimming pool contractors face daily challenges: complying with building codes and local ordinances, staying current with new products and techniques, and balancing safety while delivering the design expectations of their customers. Novatae Risk Group offers a targeted General Liability program for swimming pool contractors that helps agents place accounts with carriers experienced in this niche. We work with admitted and non-admitted markets, including solutions available from Empire Underwriters, to deliver broad and practical coverage options. With more than 30 years of underwriting and market experience in the pool and spa industry, these programs provide dependable liability protection and flexible endorsements your clients need. Submit your swimming pool contractor accounts through Novatae Risk Group and let our wholesale placement experience work for you. Please contact us at 800-758-8113 to speak to our experienced brokers about your General Liability Insurance for Swimming Pool Contractors accounts. Overview: A General Liability program designed for small- to medium-sized swimming pool contractors. Coverage is oriented to construction, service, cleaning, and excavation operations commonly seen in residential and light commercial pool work. Market Focus: This program targets contractors with less than $1,000,000 in annual payroll. It is ideal for single-trade pool contractors and companies that perform new builds, repairs, remodels, and ongoing service/maintenance for residential and small commercial clients. Appetite: Swimming Pool Excavation Gunite and concrete pool construction Pool cleaning and maintenance Service and repair operations Eligible Risks: New construction for residential and light commercial pools, including single-family homes. Repair, renovation, and remodeling work for residential and small commercial projects. Ineligible Risks: New construction of condominium complexes, condominium conversions, and most townhouse projects (some exceptions may exist; refer to underwriter guidance). Any structures or projects exceeding three stories (exceptions may apply with prior approval). Coverages Available: Blanket Additional Insured wording Waiver of Subrogation Primary and Non-Contributory endorsements Per-Project Aggregate limits Subsidence coverage (subject to limitations) Prior Projects coverage (with limitations) Submission Requirements: Completed ACORD applications Currently valued loss runs (3–5 years preferred) Program supplemental application Project-specific pollution application when applicable Underwriting Notes and Minimum Premiums: Underwriting considers payroll, operations mix (construction vs. service), past loss history, and project types. Minimum premium for this program is typically $1,500. Both admitted and non-admitted placements are available through carriers with strong A.M. Best ratings up to XV, depending on the state and risk characteristics. Territories and Availability: Program availability varies by state; this product is offered 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. Placement can be admitted or non-admitted depending on the state and carrier appetite. Why Work With Novatae Risk Group on Pool Contractor Accounts As a wholesale broker specializing in contractor programs, Novatae Risk Group provides underwriting access, placement expertise, and responsive service for agents submitting swimming pool contractor risks. We can help match accounts to the most appropriate carrier options and coordinate endorsements commonly requested on pool projects. Example accounts that fit well: A small gunite pool contractor with $600,000 payroll that performs new residential builds and occasional renovation work. A local pool service and maintenance company with recurring service contracts for residential communities and light commercial properties. Do you need a General Liability Insurance quote for your Swimming Pool Contractor account? 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 swimming pool contractors are a good fit for this program?Small to medium contractors who focus on residential and light commercial pool construction, gunite work, excavation, cleaning, and service work are ideal. Preference is given to accounts with payroll under $1,000,000 and stable loss histories. Which risks are unlikely to be accepted?Large-scale condominium or townhouse projects, projects that exceed three stories, and accounts with extensive prior subsidence or environmental losses are typically ineligible. Exceptions may be considered with prior underwriter approval. What documents should I submit with an application?Provide a completed ACORD application, supplemental program application, currently valued loss runs (3–5 years), and a project-specific pollution application when applicable. Clear scope-of-work descriptions and contract samples speed underwriting. Are additional insured, waiver of subrogation, and primary/non-contributory wording available?Yes. The program offers blanket additional insured, waiver of subrogation, and primary and non-contributory endorsements, subject to carrier terms and any project-specific restrictions. Need help placing an account? Connect with a market specialist.

...ply): New construction of condominiums, condominium conversions, and town...commercial buildings is eligible. Condominiums, condo conversions, and project...

Novatae Risk Group offers a flexible Commercial and Personal Property Insurance Coverage program designed for agents who need capacity and solution-oriented underwriting for difficult or non-standard property risks. The program provides admitted and non-admitted placement options, broad perils capacity, and specialized wind, flood and earthquake solutions — including difference-in-conditions (DIC) and stand-alone coverages — for a wide range of commercial and personal-line properties. Program Features: Commercial & Personal Lines Properties Low (or no) Wind Deductibles Wind Deductible Buy-Back Program Monoline Wind Coverage DIC (Difference in Conditions) Earthquake Accepted Risks: Tough Risks Prior Claims History Lapse in Coverage High-profile personality owned Commission: Up To 12.5% Featured Carrier: Our Specialties: Condominium Associations Apartment Buildings Hotels & Motels Retail Stores Restaurants Vacant Properties Builder's Risk and Course of Construction Appetite: COVERAGE: Limits = $7,000,000 limit of loss with access to higher limits. (Primary, Excess, and full valued limits) “ALL RISKS” excluding flood and earthquake, D.I.C., including stand-alone flood and earthquake Stand-alone Windstorm and Hail All occupancies considered, no restrictions COVERAGE: FLOOD only — Limits up to $10,000,000; all zones considered (all occupancies considered, no restrictions). Areas of Success: Older structures Non-sprinklered risks More hazardous occupancies Medium to high brush exposure Protection codes 4–6 or higher Risks with short quote timeframes Risks with prior shock losses Flood A&V, CBRA & non-participating zones Submission Requirements: Complete Statement of Values (SOV) Form (Acord 139) - Download the Acord 139 SOV Underwriting Notes and Minimum Premiums: Novatae Risk Group underwrites through a mix of admitted and non-admitted capacity, including A–XV rated carriers. The program accommodates complex exposures and prior losses, but thorough submissions speed placement: include a completed SOV (Acord 139), current loss runs, photos when available, and details on protective systems and occupancy. Minimum premium expectations apply; the program typically requires at least $500 premium per policy. Territories and Availability: This program is available in most states and specifically written in: AL, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, NJ, NC, PA, SC, TX and VA. Placement can be done admitted or non-admitted depending on the risk and carrier appetite. Why Work With Novatae Risk Group: As a wholesale broker, Novatae Risk Group specializes in property placements that need flexibility and market access. Use this program when you need: Wind options with low or no deductibles and buy-back programs; DIC capacity and standalone earthquake or flood limits beyond standard market appetite; Solutions for older buildings, non-sprinklered assets, or accounts with prior losses or lapses; Access to admitted paper where available and non-admitted capacity for higher limits or specialized terms. Example scenarios: You might have a downtown apartment owner with an older, non-sprinklered building and prior water claims who needs broader perils and tailored deductibles; or a condominium association seeking DIC coverage and high flood limits in a challenging zone. These are the types of accounts this program is structured to place. Frequently Asked Questions What types of accounts are a good fit for this program?Accounts with challenging characteristics — older structures, non-sprinklered buildings, prior losses, vacant properties, or high brush exposure — and commercial or personal-line properties such as condos, apartments, hotels, retail and restaurants. Can I place flood or earthquake-only coverage?Yes. The program offers stand-alone flood and earthquake options and DIC solutions; flood limits are available up to the program maximums (flood limits may vary by zone and underwriting). Is this available admitted or non-admitted?Novatae Risk Group places business using both admitted and non-admitted carriers, including A–XV rated markets. Placement depends on the risk profile, limits required, and state availability. What are the submission must-haves to get a quote?Provide a completed Statement of Values (Acord 139), current loss runs, occupancy and protection details, and any photos or construction information. Complete submissions accelerate underwriting and binding. What is the minimum premium?The program typically requires a minimum premium (commonly around $500), but final minimums depend on the carrier and the state of placement. Need help placing an account? Connect with a market specialist.

...e Risks New construction of condominiums, condominium conversions, and town...excluded?Yes. New construction of condominiums, townhouse developments, and pr...

...ions: New construction of condominiums, condo conversions, and townhouses...

...isks: New construction of condominiums, condominium conversions and townh...

...ounts New construction of condominiums, condo conversions, and most townh...s program?No. New construction of condominiums and condo conversions are gener...