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Glass installation contractors face unique ...plications, 3–5 years of loss runs, a glass installer supplemental application...

...ailed scopes of services, sample contracts, any pollution control procedures a...

...dditional insured wording for GC contracts, or a residential junk removal oper...

...ment, security, staffing, vendor contracts and loss history. High-hazard opera...) of events or production schedule, contracts with vendors, security and crowd...

... and crew exposure Copies of contracts with government entities or vessel ...ty program summaries, and copies of contracts (government or vessel owner) whe...

Continental Risk Offering Program for Commercial Contractors Continental Risk / Continental Marine Insurance Services offers a contractors-focused liability program designed for commercial builders and infrastructure contractors whose operations exceed standard market appetites. As a general agency and excess & surplus lines broker, we place complex, high-exposure contractor accounts with markets that understand excavation, structural steel, crane operations, demolition and other heavy-construction risks. Ideal Accounts and Appetite The program has a broad appetite for commercial contracting classes that often struggle in standard markets due to operational complexity or higher limits. Target classes include: General contractors (including those that subcontract 100% of work) Excavation contractors, including water and sewer line work Horizontal boring and directional drilling contractors Iron and steel erection and structural steel contractors Demolition and blasting operations Site preparation, grading, and earthmoving Crane rentals (on-hook sublimits available) Street, road, and infrastructure development contractors Tilt-up concrete construction specialists Seismic retrofitting contractors Owners’ and Contractors’ Protective (OCP) exposures This program is intended for accounts that require tailored underwriting rather than cookie-cutter coverage. For example, you might have a client bidding a municipal infrastructure upgrade that combines deep excavation, crane lifts, and structural steel erection—this program is structured to address that mix of exposures. Coverage Highlights and Advantages Commercial General Liability with Products/Completed Operations coverage Available on ISO Occurrence and Claims-Made forms Customizable endorsements and contractors-specific coverages to address unique jobsite risks Primary limits commonly offered: $1,000,000 per occurrence / $2,000,000 general aggregate / $2,000,000 products/completed ops aggregate Excess liability capacity available upon request to extend limits for larger projects The program’s flexible policy structure allows you to align limits and forms with project requirements—whether you need a single-project OCP policy or an umbrella to consolidate liability across multiple jobsites. Underwriting Notes and Minimum Premiums Underwriting is class- and exposure-driven. The program typically requires a minimum deductible of $5,000. Minimum premiums vary by class, location, payroll/subcontractor costs, and scope of operations. Our underwriters work with agents to evaluate loss history, safety programs, subcontractor controls, and project schedules to offer competitive placements where appropriate. Territories and Availability Continental Risk’s Commercial Contractors Program is available in most states, including but not limited to: CA, TX, FL, NY, IL, AZ, WA. We are licensed in all 50 states plus Washington, DC, giving you national access to contractors solutions, subject to underwriting guidelines and carrier appetite. Why Work With Continental Risk? As a specialist general agency and E&S broker, Continental Risk combines construction underwriting expertise with access to multiple admitted and non-admitted carriers. Our strengths include: Deep broker-carrier relationships that help place hard-to-place accounts Construction-experienced underwriters who evaluate complex operations and craft tailored coverage Flexible placement options for project-specific and programmatic needs Responsive support for quoting, submission strategy, and binding timelines If you have a contractor account that needs specialist attention—complex operations, mixed exposures, or limits beyond standard markets—our team can help identify the right markets and structure. Need assistance placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?This program targets commercial contractors, especially those engaged in excavation, demolition, structural work, crane rentals, and infrastructure development. Are general contractors who subcontract all their work eligible?Yes. General contractors who subcontract 100% of their work are within the target appetite for this program, provided other underwriting criteria are met. What coverage limits are available?Standard primary limits are commonly $1,000,000 per occurrence with $2,000,000 aggregates; excess limits are available on a case-by-case basis. Is this program available in all states?The program is available nationwide and Continental Risk is licensed in all 50 states and DC, subject to carrier availability and underwriting guidelines. What is the minimum deductible requirement?The program typically requires a minimum deductible of $5,000, though actual deductible and premium levels depend on class, location, and exposure. Need help placing an account? Connect with a market specialist.

...sured endorsements to satisfy GC contracts. A small firm that sandblasts str...

...ontractors (Residential Focus) Glass Dealers and Glaziers Handyman Ser...

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.

Owning and operating a flooring contracting business means juggling schedules, crews, materials and client expectations — and managing the liability that comes with on-site work. Novatae Risk Group offers access to a General Liability Insurance program built specifically for the exposures common to flooring installers. The product was designed by Empire Underwriters to address both residential and commercial installation risks; use this program when your clients need package-level general liability protections with flexible endorsements for construction-related projects. Please contact us at 800-758-8113 to speak to our experienced brokers about your General Liability Insurance for Flooring Installers accounts. Overview This program targets small- to medium-size flooring contractors and installers. Coverage options include common construction endorsements and contract-related enhancements that agents frequently need when placing subcontractors or prime contractors on renovation and new-build projects. Ideal Accounts and Appetite Best fit: independent flooring contractors with annual payrolls under $1,000,000. The program has a clear focus on installers and contractors engaged in: Residential and commercial flooring installation Wood and engineered flooring Carpet, laminate and tile installation New construction (including single-family homes) and repair/remodel projects Typical accounts that will present well include single-trade subcontractors working on residential remodels and small commercial tenants performing tenant build-outs. Accounts with complex operations (significant design/build, heavy equipment rental, or multi-trade contractor operations) may require referral. Coverage Highlights and Advantages Blanket Additional Insured endorsements to satisfy contract requirements Waiver of Subrogation and Primary & Non-Contributory wording available Per-project aggregate limits for construction projects Subsidence and prior projects coverage offered with limitations Available through admitted and non-admitted carriers up to A-XV ratings Underwriting Notes and Minimums Submission should include ACORD applications, a currently valued 3–5 year loss run, and the program supplemental application. Project-specific pollution exposures require completion of the pollution/project-specific application. Minimum premium: $1,500. Territories and Availability Admitted status: Most Available States. This program is available through Novatae Risk Group 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. Carriers include admitted and non-admitted markets up to A-XV ratings depending on the risk and state requirements. How to Submit Send complete submissions with ACORD applications, supplemental application, and 3–5 years of valued loss runs. For project work with pollution exposure, include the pollution/project-specific form. Underwriters review on a case-by-case basis and will advise on endorsements and limit options. Why Place Flooring Installer Business with Novatae Risk Group As a wholesale broker, Novatae Risk Group provides access to a specialized General Liability program tailored for flooring contractors, with both admitted and non-admitted placement options. The program’s contracting endorsements and per-project aggregate capability make it easier for agents to meet common GC and owner contractual demands without multiple referrals. Example scenarios where this program fits: You have a small flooring subcontractor hired for residential remodels with tidy loss history and payroll under $500k — this program can provide blanket additional insured and primary/non-contributory wording to satisfy the GC. A regional installer doing mixed residential and light commercial work on tenant improvements needs per-project aggregate limits and waiver of subrogation — the program offers those endorsements with underwriting consideration. Do you need a General Liability Insurance quote for your Flooring Installer 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 flooring installer accounts are a good fit for this program?Small to mid-size single-trade flooring contractors with payrolls generally under $1,000,000. Typical fits include residential remodelers, new single-family home installers, and small commercial tenant improvement installers with standard installation operations. Which endorsements commonly requested by GCs are available?The program can provide Blanket Additional Insured, Waiver of Subrogation, Primary & Non-Contributory wording, and Per Project Aggregate endorsements subject to underwriting and state availability. What submission materials are required to get a quote?Include completed ACORD applications, the program supplemental application, and currently valued loss runs for the last 3–5 years. If the project includes potential pollution exposures, attach the pollution/project-specific application. Are placements admitted or non-admitted?Novatae Risk Group can place this program in most available states through admitted and non-admitted carriers up to A-XV ratings, depending on the state and the specific risk profile. Need help placing an account? Connect with a market specialist.