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Excavation contractors handle a wide variety of site tasks—site preparation, septic installation, drainage systems, land grading, road work and more. That range of operations creates significant liability exposure: hidden underground utilities can be struck, trenches can collapse, and heavy equipment can cause third-party injury or property damage. A single claim can lead to substantial financial loss and business interruption. Novatae Risk Group places a General Liability program specifically designed for excavation contractors through experienced underwriting partners. This program understands the unique risks of excavation work and provides a fast, reliable market for your excavation clients. Send your submissions and let our underwriting team evaluate how we can help place the account. Please contact us at 800-758-8113 to speak to our experienced brokers about your General Liability Insurance for Excavation Contractors accounts. Overview: A targeted General Liability program for small- to mid-size excavation contractors. The program is underwritten with excavation exposures in mind and aims to deliver broad, practical coverage for routine excavation, grading, trenching and related site work. Market Focus: This Excavation Contractors General Liability program is focused on small to medium contractors—typically those with annual payrolls under $1,000,000—performing commercial and residential excavation, trenching, grading and site preparation. Appetite: Commercial & residential excavation Commercial & residential trenching Backfill operations Commercial & residential grading Construction site preparation Grade and drain work Eligible Risks: New construction on residential and commercial projects, including single-family homes Repair or remodeling projects that include excavation, trenching, grading or site prep Accounts where 75% or more of exposure falls in approved class codes Ineligible Risks: New construction of condominiums, condominium conversions and townhouses (some exceptions may apply) Any structures or work greater than three stories (some exceptions may apply) Coverages Available: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate Subsidence coverage (with limitations) Prior Projects coverage (with limitations) Submission Requirements: Completed ACORD applications Currently valued loss runs for the past 3–5 years Program supplemental application Pollution — project specific application when applicable Do you need a General Liability Insurance quote for your excavation contractor account? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Underwriting Notes & Pricing: Minimum premium typically starts at $1,500. Underwriters will review class codes, payroll, experience modification, loss history and details of operations on each submission. Projects involving deep excavation, extensive shoring or unusual site conditions should be detailed in the submission to allow accurate risk assessment. Territories & Markets: 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. The program places business with admitted and non-admitted carriers up to A-XV ratings, giving brokers flexibility when admitted coverage is limited. Why Place Excavation Accounts with Novatae Risk Group Wholesale broker access to specialized GL capacity for excavation contractors. Underwriters who understand excavation exposures and practical coverage wording. Flexibility to place with admitted or non-admitted markets to fit client needs. Efficient submission handling and underwriting turnaround for competitive quoting. Example fits: You might have a small contractor who performs residential grading and septic installation seeking blanket additional insured and per-project aggregate; or a mid-sized company doing commercial site prep and trenching that needs primary/non-contributory wording for contractor agreements. Both are the kinds of accounts this program targets. Frequently Asked Questions What types of excavation accounts are a good fit for this program?The program targets small-to-medium excavation contractors performing commercial or residential excavation, trenching, grading, backfill and site preparation—typically accounts with annual payrolls under $1,000,000 and where approved class codes make up 75% or more of exposure. What coverages can I request on submissions?Common enhancements include blanket additional insured, waiver of subrogation, primary and non-contributory wording, per-project aggregate, and limited subsidence or prior projects coverage when eligible. Are there states where this program is not available?The program is available in most states listed on the storefront. Availability can vary by carrier and underwriting criteria—please send the submission details for state-specific consideration. What are the typical submission documents required?Provide ACORD applications, 3–5 years of currently valued loss runs, the program supplemental application, and a pollution/project specific application when the account involves potential pollution exposures. What is the typical minimum premium and how is pricing determined?Minimum premium generally starts around $1,500. Final pricing depends on payroll, class codes, EMR, loss history, project scope and requested limits/endorsements. Need help placing an account? Connect with a market specialist.

As an excavation contractor, your clients encounter significant jobsite hazards every time they break ground. From back strains and soft-tissue injuries to severe accidents involving heavy equipment, the exposures are real—and so is the need for dependable Workers Compensation. Novatae Risk Group, working with Empire’s specialized contractors team, offers a focused Excavation Workers Compensation Insurance Program to help you place this challenging class of business. This program is underwritten specifically for excavation and similar high-hazard operations. Whether a client is a start-up, has a history of large losses, or has been declined elsewhere, our underwriting team will evaluate submissions and craft appropriate solutions. We place business with many "A"-rated carriers and access both admitted and non-admitted markets depending on state and risk profile. Contact us at 800-758-8113 to speak with our brokers about Excavation Workers Compensation accounts. Ideal Accounts and Appetite: Experience MODs of 1.30 or greater High-hazard or hard-to-place classifications (excavation, trenching, site prep) Blue, gray, and white collar job types on the same payrolls Accounts currently in state pools or assigned risk funds Distressed, lapsed, or non-renewed accounts New ventures with no prior coverage Multi-state operations — we have market expertise here Other hard-to-place Workers Compensation risks Example fits: a regional excavation contractor with a recent large loss seeking a stable market solution; or a multi-state site-preparation firm moving out of a state fund and needing coordinated coverage across jurisdictions. Coverage Highlights and Advantages: Fast turnaround on quotes and binding for time-sensitive accounts Access to numerous "A"-rated carriers across admitted and E&S markets Standalone Workers Compensation placements tailored to operations Guaranteed cost, dividend, and retrospective (retro) plans available High-deductible and alternative cost-control options Integrated claim handling and custom program servicing Underwriting Requirements: Completed ACORD 130 application 3–4 years of loss runs Details on any large or open losses Supplemental questionnaire when applicable Minimum Premium and Availability: Minimum premium for the program starts at $10,000. We underwrite accounts in most states — including, but not limited to, CA, FL, TX, NY, and PA — and can place business nationwide depending on carrier appetite and the risk profile. Why Work with Novatae Risk Group? Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines Broker with deep experience placing tough Workers Compensation risks. We understand the underwriting and operational challenges brokers face when placing excavation accounts. With broad market access, flexible underwriting, and responsive service, we help you protect clients while keeping accounts competitive. Need an Excavation Workers Compensation quote? Email [email protected] with submission materials or call 800-758-8113 to speak with an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?The program fits excavation contractors with elevated MODs, prior large losses, new ventures, multi-state operations, or those who have been lapsed or non-renewed. It’s built for high-hazard and hard-to-place exposures. Can you help with clients in the state risk pool?Yes. We frequently move accounts out of state pools and into tailored Workers Compensation solutions using competitive admitted and non-admitted markets. What information do you need to get a quote?Provide a completed ACORD 130, 3–4 years of loss runs, details on any large or open losses, and a supplemental questionnaire if requested. Is the program available nationwide?Yes — the program is available in most states, including CA, TX, FL, and NY. We can write in all 50 states and DC depending on carrier availability and the specific risk details. Do you work with new ventures that have no prior coverage?Absolutely. We have markets that will consider start-ups in the excavation and site-work trades. Need help placing an account? Connect with a market specialist.

...ily lots with owned compactors, excavators and skid steers. A commercial sit...

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Grading of Land Insurance program designed for excavation and grading contractors who operate heavy equipment for site preparation. This program is ideal for contractors involved in grading and land development projects but excludes operations such as public street or road construction, mining, underground tank installation or removal, landfills, dams, tunnels, or snow removal activities. Ideal Accounts and Appetite This program is tailored for insureds engaged in site preparation, land grading, and excavation for private development projects. Typical clients include: Excavation contractors for residential and commercial developments Land grading operations for private infrastructure or construction pads Contractors using their own equipment and operators on site Accounts that involve public works projects, hazardous waste, or high-risk environmental exposures such as mining or landfill work are outside the appetite. Coverage Highlights and Advantages Property Coverage Options Include: Accounts Receivable Basic, Broad, or Special Form coverage Buildings and Business Personal Property Business Income and Extra Expense Computer Equipment Contractor’s Equipment Equipment Breakdown Outside Signs Replacement Cost or Actual Cash Value options Valuable Papers Commercial General Liability Coverage Includes: Primary limits up to $3 million per occurrence/aggregate $5,000 Medical Payments coverage included Additional Interests for $100 each Excess or Umbrella limits available up to $25 million $1,000 minimum deductible required Crime Coverage Available: Theft of Money and Securities – Inside the Premises Robbery or Safe Burglary of Other Property – Inside the Premises Losses Occurring Outside the Premises Underwriting Notes and Minimum Premiums Underwriting focuses on private grading contractors with a clean loss history and proper operator training. A minimum deductible of $1,000 is required. Premiums are competitive and based on scope of operations, equipment values, and prior history. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability may vary depending on the specific account and carrier appetite. Some markets are admitted; others may be non-admitted depending on the risk and jurisdiction. Why Work With Colonial General Insurance Agency, Inc.? Colonial General is a trusted Managing General Agency and Excess & Surplus Lines Broker with access to a range of markets for specialized contractor risks. Their team understands the unique exposures of grading and excavation operations and offers flexible underwriting solutions tailored to your clients’ needs. With responsive service and a focus on niche contractor classes, Colonial General helps agents place hard-to-insure risks efficiently. Whether you're working with a small grading contractor developing residential lots or a mid-size excavation firm preparing commercial sites, Colonial General can help you find the right insurance solution. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for contractors involved in land grading, excavation, and site preparation for private development projects. Risks involving public works, mining, or hazardous operations are not eligible. Is this program available on an admitted basis?Some markets are admitted in certain states, while others are non-admitted. Availability depends on the specific risk and jurisdiction. What limits are available for liability coverage?Primary general liability limits up to $3 million occurrence/aggregate are available, with excess or umbrella limits up to $25 million. Which states is this program offered in?The program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Are equipment and tools covered under this program?Yes, contractor’s equipment can be scheduled under the property coverage, including options for replacement cost or actual cash value. Need help placing an account? Connect with a market specialist.

Novatae Risk Group places access to a specialized workers' compensation program for pipeline contractors underwritten by Empire Underwriters. The program is designed for contractors who perform trenching, excavation, soil stability analysis, right-of-way work and traffic control at linear work sites. Novatae's underwriting partners combine industry knowledge with experienced risk control consultants to help your clients manage the high-risk exposures typical to pipeline work. Overview This program targets hard-to-place pipeline contracting exposures, offering admitted and non-admitted solutions across a wide set of markets. It is intended for agents and brokers who need solid carrier appetite and flexible placement options for accounts with higher MODs, challenging class codes, multi-state payrolls, or prior coverage problems. Appetite: MOD 1.30 or greater High-hazard and hard-to-place class codes Blue-, gray- and white-collar payroll mixes Accounts in state funds, pools, or assigned risk Distressed, lapsed, or previously cancelled/non-renewed programs New ventures are acceptable Multi-state exposures handled as a specialty Hard-to-place workers’ compensation accounts Coverage Highlights and Advantages: Quick underwriting turnaround to keep submissions moving Access to many "A" rated carriers (varies by state) Stand-alone workers' compensation placements Guaranteed cost, dividend and retro plan options Integrated work comp solutions and high-deductible programs Custom account handling and experienced claims/risk control support Underwriting Notes and Minimum Premiums Minimum premium: $10,000 Preferred submissions include an ACORD 130, 3–4 years of loss runs and details on any large losses Supplemental questionnaire may be required for complex or multi-state accounts Underwriters consider the full account mix (payroll split, class codes, safety programs) when pricing high-hazard exposures Submission Practicals Provide complete loss runs and job detail up front to speed placement. Large-loss narratives, experience modification documentation, and a completed supplemental questionnaire help underwriters evaluate concessions like retro plans or high-deductible structures. The program supports both admitted and excess & surplus (non-admitted) options to fit carrier availability and state requirements. Territories and Markets Availability: All Available Markets. Carriers vary by state. This program accepts business across the following states and territories: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, WI. Why Work with Novatae Risk Group on This Program Novatae Risk Group connects agents to specialized underwriting capacity for pipeline contractors. The program is built to handle complex payroll spreads, high-hazard exposures, and accounts with prior placement challenges. Your clients benefit from experienced underwriting, practical risk control guidance, and flexible plan structures that can include dividend or retro options when appropriate. Do you need a Workers Compensation Insurance Quote for your pipeline client? 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 pipeline contractor accounts are a good fit for this program?Accounts with trenching, excavation, right-of-way work, soil stabilization tasks and traffic control needs are core fits—especially those with MODs above 1.30, complex class mixes, multi-state payrolls, or prior cancellations/non-renewals. Which states and market types are supported?This program is available across a broad set of states (see the territories list above) and offers both admitted and non-admitted market options; specific carrier availability varies by state. What documentation is required with a submission?Include an ACORD 130, 3–4 years of loss runs, large-loss details, and a completed supplemental questionnaire for complex accounts. Complete submissions get faster responses. Can you place accounts with multi-state exposure or in state funds?Yes. Multi-state exposures are a specialty of the program, and the underwriting team will structure placements for accounts currently in state pools, assigned risk, or state funds when appropriate. What turnaround and service can an agent expect?Underwriters aim for quick turnaround on complete submissions. Novatae and the underwriting partners provide consultative support, including risk control guidance, to help agents close and service difficult placements. Need help placing an account? Connect with a market specialist.

Septic tank contractors face unique liability exposures due to the nature of their work—often involving excavation, environmental risks, and specialized equipment. Novatae Risk Group offers a tailored General Liability Insurance program specifically designed to address the needs of small to mid-size septic tank contractors. Through our partnership with Empire Underwriters and a top-rated "A" carrier, we deliver a market that understands the real risks your clients face and offers meaningful protection at competitive pricing. Whether your client installs new septic systems or performs ongoing service and repairs, we provide access to coverage options that support their business operations and satisfy contractual requirements. Our streamlined submission process and experienced brokers make it easy for you to secure coverage that fits. Ideal Accounts and Appetite This program is designed for septic tank contractors with annual payrolls under $1,000,000. We have a strong appetite for: Septic tank installation (residential and light commercial) Septic system service and repair Eligible risks include new construction and remodeling projects for both residential and commercial properties, including single-family homes. We are not a market for new construction of condominiums, townhouses, or buildings over three stories—except in limited cases. Coverage Highlights and Advantages 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 coverage features help your septic tank contractor clients meet the requirements of general contractors, municipalities, and private property owners—while giving them peace of mind against costly liability claims. Underwriting Requirements and Minimum Premium Completed ACORD Applications 3–5 years of currently valued loss runs Supplemental Application Pollution – Project Specific Application Minimum premium starts at $1,500, depending on risk characteristics and state-specific factors. We write on both admitted and non-admitted paper, using carriers rated as high as A-XV. Available States This septic tank contractor liability 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 trusted wholesale broker, Novatae Risk Group connects agents and brokers to specialized insurance solutions. With 30+ years of experience through Empire Underwriters and access to top-tier carriers, we bring deep industry insight and responsive service to every account. Our team understands the unique risks septic tank contractors face—and how to craft coverage that meets both underwriting guidelines and your client’s operational needs. Ready to quote? Send submissions to [email protected] or call 800-758-8113 to speak with our broker team directly. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-size septic tank contractors involved in installation, repair, or maintenance, with annual payrolls under $1,000,000. What are some common ineligible risks?We typically do not write new construction for condominiums, townhouse projects, or structures over three stories, except in limited cases. Is this program available on admitted paper?Yes, we offer both admitted and non-admitted options through carriers rated as high as A-XV, depending on the state and risk profile. What states is this program available in?We offer coverage in 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. What is the minimum premium?The minimum premium for eligible accounts starts at $1,500, subject to underwriting and state-specific factors. Need help placing an account? Connect with a market specialist.

...ndle large pieces of equipment (excavators, loaders, concrete pumps) and large...actor owns a concrete pump and two excavators valued at $350,000 combined. BTI...

Monarch Partners Group LLC (MPG) has been delivering specialized workers' compensation solutions to agents and brokers nationwide for over 25 years. As a seasoned program administrator, MPG focuses on high-risk and hard-to-place industries, with a strong emphasis on the construction sector. Construction companies often face challenges due to higher cost class codes, elevated experience mods (Xmods), and large premium requirements. MPG is uniquely positioned to help you place these complex accounts through innovative programs that offer flexibility, competitive pricing, and broad underwriting expertise. Ideal Accounts and Appetite MPG’s Construction Workers' Compensation Insurance program is ideal for: High-risk construction businesses with premiums of $50,000 or more Accounts with high debit Xmods or adverse loss histories New ventures or operations with prior coverage lapses Clients exiting or not utilizing PEO services Common examples include roofing contractors, framing crews, excavation companies, and general contractors with multi-state operations. If you have a distressed risk with a complex claims history or a higher-than-average Xmod, MPG can help you find the right fit. Coverage Highlights and Program Features One of MPG’s most sought-after offerings is the Payroll Opt-out Work Comp Program (POWC). Designed for larger construction accounts with a minimum premium of $100,000, this program allows insureds to: Participate in a master workers' compensation policy Opt out of payroll and tax processing services Handle payroll internally using their own systems and bank accounts Pay premiums on a pay-as-you-go basis for improved cash flow Avoid year-end premium audits The POWC structure can result in favorable Xmods, better overall pricing, and included risk management services—all without the administrative burden of traditional models. Additional Program Benefits Access to “A” rated carriers All states coverage available Broad class code acceptance Quick quote turnaround In-house underwriting capabilities Tailored risk management services Options for guaranteed cost or deductible programs HR, payroll processing, and payroll funding available when needed There are no Xmod or loss ratio restrictions, and midterm enrollments and coverage lapses are acceptable—providing greater flexibility for agents working with distressed accounts. Underwriting Notes and Submission Requirements To get started, submit the following: ACORD 130 Three years of currently valued loss runs (preferably summarized) Current policy declaration and rating pages (or PEO rate/code info) Current Xmod sheet Any relevant information to help assess the risk Territories and Availability This program is available in most states, including but not limited to: CA, TX, FL, NY, GA, IL, PA, and AZ. MPG offers national reach with state-specific underwriting flexibility to help you place accounts across a wide range of jurisdictions. Why Work With Monarch Partners Group? MPG brings decades of experience in the workers' compensation space, particularly in high-risk segments like construction. With access to multiple markets, in-house underwriting, and flexible program structures, MPG is an ideal partner for agents and brokers seeking to place challenging or complex WC accounts. Whether you’re looking to help a contractor with a poor claims history or seeking better pricing for a large operation, MPG’s tailored solutions and responsive service can help you deliver value to your clients. Frequently Asked Questions What types of construction risks are a good fit for this program?High-risk construction classes such as roofing, framing, excavation, and general contracting with premiums over $50,000 are ideal. Accounts with high Xmods or prior losses are also considered. What is the minimum premium requirement for the POWC program?The Payroll Opt-out Work Comp Program requires a minimum premium of $100,000. Can clients keep their own payroll systems with this program?Yes. The POWC program allows clients to opt out of payroll and tax services, letting them use their own systems and bank accounts while still benefiting from favorable WC program terms. Is this program available in all states?Yes, coverage is available in most states nationwide. MPG supports placements across all major jurisdictions. Are new ventures or clients with coverage gaps eligible?Yes. MPG considers new ventures and accounts with prior lapses or midterm submissions, offering flexibility for hard-to-place risks. Need help placing an account? Connect with a market specialist.

California contractors face unique challenges when securing quality Workers Compensation Insurance, especially when dealing with high-risk classes or new ventures. Novatae Risk Group offers a tailored solution through our A Rated California Contractors Workers Comp Insurance Program, designed specifically to help independent insurance agents like you place and retain more contractor business in California. This program is backed by an A Rated Admitted Carrier and is available exclusively in California. Whether your client is a seasoned contractor or a new venture, we provide competitive options for a wide range of industries and risk classes. Our experienced team understands the nuances of contractor exposures and is ready to help you find the right fit for your accounts. Ideal Accounts and Appetite This program is ideal for agents looking to place Workers Comp for both standard and tough-to-place California contractors. We have an appetite for: New ventures with clean operations Contractors with prior loss history (with explanations) Hard-to-place classes such as roofing, concrete, and excavation Accounts needing standalone Workers Comp policies You might have a client who just launched a drywall installation company or a plumbing contractor expanding operations. We can help you place these accounts competitively and efficiently. Coverage Highlights and Advantages "A" Rated by A.M. Best Admitted carrier in California Standalone Workers Compensation policies New ventures accepted Monthly self-reporting options Up to 10% commission for agents Flexible underwriting for tough classes Underwriting Requirements To submit a risk for consideration, please include the following: Completed Acord 130 3–4 years of loss runs No lapses in coverage Details on any large losses California Contractors Workers Comp Supplemental Questionnaire Sampling of Eligible Classes 0042 Landscaping 5027/5028 Masonry 5107 Door or Window Installation 5140/5190 Electricians 5186 Sprinkler Installation 5187 Plumbing 5201/5205 Concrete Construction 5348 Tile Installation 5446/5447 Drywall Installation 5474/5482 Painters and Waterproofing 5484/5485 Interior Plastering 5506/5507 Street or Road Construction 5538/5542 Sheet Metal 5645/5697 Carpentry 6218/6220 Excavation 6307/6308 Sewer Construction 9008 Janitorial 9009 Building Operations 9015 Building Maintenance Territory and Program Availability This program is available exclusively in California and is written through an Admitted, A Rated Carrier. Minimum premium varies by class and risk profile. Why Work With Novatae Risk Group? Novatae Risk Group is a trusted Managing General Underwriter and Excess & Surplus Lines Broker with deep expertise in the construction sector. We provide responsive service, flexible underwriting, and access to competitive carriers—so you can close more business and retain your contractor clients. Our team is ready to help you navigate complex submissions and deliver reliable Workers Comp solutions that fit your insured’s needs. Need a Quote? Send your submission to [email protected] or call an underwriter directly at 800-758-8113. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for California-based contractors, including new ventures and those in higher-risk trades such as concrete, drywall, excavation, and plumbing. Can I submit risks with loss history?Yes, accounts with prior losses can be considered, but you must include detailed explanations and loss run reports. Is this a good option for new ventures?Absolutely. New ventures are eligible under this program, provided they meet underwriting criteria and have no lapses in coverage. What documents are required to submit a risk?You’ll need a completed Acord 130, 3–4 years of loss runs, a supplemental questionnaire, and details on any large losses. What commission structure is offered to agents?This program offers competitive commissions, with up to 10% available based on the account and carrier terms. Need help placing an account? Connect with a market specialist.

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.