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MANUFACTURERS & DISTRIBUTORS INSURANCE Comprehensive Solution... for manufacturers, importers, and distributors of products such as electronics, chemicals, m...

...uriers Magazine and newspaper distributors Armored cars Manufacturing bu...dous materials carriers (incidental household products such as spray paint, cleaners, ba...

...rocessors, bottlers, importers, distributors, packagers, and wholesalers. Co...lude manufacturers, importers, and distributors of consumable goods, consumer products, component parts, and regional re...

...nce program for wholesalers and distributors across a broad range of industrie...s, furniture, electrical equipment, household appliances, janitorial supplies,...

...etail Stores, Wholesale Stores, Distributors, and Importers. This includes a w...tail stores, wholesale operations, distributors, and importers of goods such a...

...roperty exposures Wholesale distributors with significant inventory and wa...althcare facilities, and wholesale distributors with property or inland marine...

General Liability Insurance is a critical first step in protecting appliance installation businesses from a wide range of risks. From property damage and bodily injury to advertising injury and reputational harm, this coverage forms the foundation of a risk management strategy for your clients in the appliance installation trade. Novatae Risk Group, through Empire Underwriters, offers a specialized General Liability Insurance program tailored to the needs of appliance installation contractors. Designed for small to mid-sized operations, this program offers flexible underwriting and access to both admitted and non-admitted carriers rated as high as A-XV. Whether your client installs appliances in residential or commercial settings, this program can help address their unique exposures. Overview: This program provides targeted General Liability coverage for Appliance Installation Contractors, helping your clients manage risks associated with on-site installations, customer property damage, and third-party injuries. With a minimum premium starting at $1,500, it's an accessible solution for smaller contractors seeking comprehensive protection. Ideal Accounts and Appetite: Appliance Installation Contractors Appliance Service Contractors Residential Appliance Installers Commercial Appliance Installers This program focuses on contractors with annual payrolls under $1,000,000. It's a great fit for agents working with insureds who handle appliance installation as their primary operation, whether in new construction or retrofit settings. Coverage Highlights and Advantages: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate Limits Subsidence coverage (with limitations) Prior Projects coverage (with limitations) These features help contractors meet contractual requirements and protect their business from claims arising during and after project completion. Underwriting Requirements: Completed ACORD Applications 3 to 5 years of currently valued loss runs Supplemental Application Project-Specific Pollution Application (if applicable) Territories and 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 Work With Novatae Risk Group: As a national wholesale broker, Novatae Risk Group brings deep expertise in placing niche contractor risks. Our team can quickly evaluate your submissions and help place tough-to-place appliance installation accounts with top-rated markets. Whether you handle residential or commercial contractors, our access to both admitted and non-admitted solutions gives you flexibility and speed in quoting. Contact us today at 800-758-8113 to speak with a broker, or email submissions to [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized appliance installation contractors with under $1,000,000 in annual payroll, including both residential and commercial installers. Are both admitted and non-admitted markets available?Yes, the program offers access to both admitted and non-admitted carriers, with ratings as high as A-XV. Which states is this program available in?This program is available in over 25 states, including CA, TX, FL, NJ, and IL. Please contact us for availability in your state. What is the minimum premium for this program?The minimum premium starts at $1,500, making it accessible for small contractors needing essential General Liability protection. What documents are needed to submit an account?Submissions should include completed ACORD applications, 3–5 years of valued loss runs, a supplemental application, and a project-specific pollution application if applicable. Need help placing an account? Connect with a market specialist.

...crete • Contract Carriers • Distributors • Drywall • Electrical • Fr...deal accounts include contractors, distributors, and service providers in cons...

...es. Typical accounts include: Households with high-value primary or seconda...ns are an available tool to address household members with poor driving record...