Search CompleteMarkets

Comprehensive Glass Dealers/Glaziers Insurance Program fr...stallation, repair, or fabrication of glass for both commercial and residentia...

...e and muffler specialists Auto glass repair and installation Transmiss...

Landscaping contractors face a wide range of liability exposures on the job — from property damage to third-party bodily injury. Whether working on residential lawns or commercial grounds, accidents can lead to costly claims and contract disputes. With Novatae Risk Group’s General Liability Insurance for Landscape Contractors, agents can place landscaping accounts through a reliable, competitively priced program backed by A-rated carriers and underwritten by Empire Underwriters. This program is tailored to the unique risks of landscaping operations and is ideal for small to mid-sized contractors. It is available in most states and offers admitted and non-admitted options. The program’s minimum premium begins at $1,500. To discuss a landscaping liability account, call our brokers at 800-758-8113. Program Overview Novatae Risk Group offers a dedicated General Liability program designed for landscape contractors with less than $1 million in annual payroll. The program combines focused underwriting, carrier capacity, and contract-friendly endorsements to help your clients manage the routine third-party liability exposures that come from daily operations. Target Risks and Eligible Operations This program has a strong appetite for a broad range of landscaping businesses, including: Residential and commercial lawncare services Residential and commercial landscaping Landscape architects Nurserymen and gardeners Sprinkler and irrigation installation Sodding, seeding, and turf services Example accounts that typically fit: a small commercial landscaper who performs grounds maintenance for retail centers, or a residential sprinkler installer with several service crews and routine subcontractor use. Coverage Highlights and Advantages Blanket Additional Insured endorsements to meet common contract requirements Waiver of Subrogation available where required by contract Primary and Non-Contributory wording for upstream contract obligations Per-project aggregate limits to support larger or phased jobs Limited coverage options for subsidence and prior projects where appropriate These features are built to address the contractual and site-exposure needs agents encounter when placing commercial and municipal landscaping work. Submission Requirements Completed ACORD applications 3–5 years of currently valued loss runs Program-specific supplemental application Pollution application if the account involves fertilizer, pesticide application, or specialty irrigation work Underwriting Notes and Minimum Premium The program targets businesses with annual payrolls under $1 million. Appetite is strongest for routine landscaping and installation work; accounts involving significant heavy civil work, extensive excavation, large-scale structural irrigation or marked professional design/build services may require referral. Minimum premium starts at $1,500. Program Details 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, and WV. Novatae can offer both admitted and non-admitted placements, using carriers rated as high as A-XV. Why Work With Novatae Risk Group As a wholesale broker, Novatae Risk Group focuses on specialized markets and fast, reasoned underwriting. Our partnership with Empire Underwriters provides access to industry-specific general liability capacity and contract language that helps agents meet client obligations while controlling uncovered exposures. Ready to quote a landscaping contractor? Email submissions to [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of accounts are a good fit for this landscaping liability program?This program is best suited for small to mid-sized landscape contractors with under $1 million in annual payroll, including lawncare providers, sprinkler installers, and landscape architects. Is this program available on an admitted or non-admitted basis?Both admitted and non-admitted options are available, depending on state regulations and the account’s risk profile. Carriers used in the program are rated A or higher. What is the minimum premium for this program?The program’s minimum premium starts at $1,500, designed to be accessible for smaller contractors and start-ups. What documents are needed to submit a new account?Provide completed ACORD applications, 3–5 years of loss runs, the program supplemental application, and a pollution application if the work involves chemical treatments or irrigation system installation. Which states is this program available in?The program is available in most states listed on the product page, including CA, FL, TX, GA, and NC. Contact us to confirm availability in a specific state. Need help placing an account? Connect with a market specialist.

Comprehensive Coverage for Artisan Contractors Including New Residential Projects Continental Risk / Continental Marine Insurance Services provides a focused, project-friendly insurance solution for artisan contractors — including those working on new residential construction. Built for agents and brokers, this non-admitted program targets small-to-mid sized contractors across a broad range of trades and includes policy features that help insureds meet contract requirements and manage common jobsite exposures. Ideal Accounts and Target Classes The Artisan Contractors program is a strong fit for residential and commercial trades across more than 30 classes. Typical target classes include: HVAC contractors Electricians Plumbers Carpenters Painters Small general contractors (GCs) New ventures are considered. The program will also handle accounts that include subcontracting — generally up to 50% of payroll or costs — when subcontractors maintain appropriate insurance and meet underwriting requirements. Coverage Highlights and Program Advantages Continental Risk’s Artisan Contractors offering includes several marketable enhancements that help your insureds secure work and reduce contractual friction: Blanket Additional Insured endorsements (CG2033 & CG2037) Primary and non-contributory wording available Waiver of subrogation can be provided No prior-works exclusion No subsidence exclusion No sunset or manifestation clauses Per-project aggregate limits where required by contract Eligibility for accounts with up to $10 million in annual sales These features make the program particularly useful for contractors who need broad additional insured language, primary/non-contributory wording, or per-project aggregate capacity to satisfy GC or owner requirements. Underwriting Notes and Minimum Premium This program is written on a non-admitted basis, which provides flexibility for harder-to-place or emerging risks. The minimum premium begins at $3,000. Submissions that include subcontracting exposures, new residential construction, or requests for higher limits are welcome — provided they meet the program’s underwriting criteria. Territories and Availability The Artisan Contractors program is available in various states through Continental Risk / Continental Marine Insurance Services. Availability and specific underwriting guidelines can vary by state — contact the Continental Risk team to confirm placement options for your client’s location. Why Work With Continental Risk / Continental Marine Insurance Services? Continental Risk brings focused contractor expertise and access to specialty capacity. Agents benefit from a program designed to address common contracting exposures and contract requirements without some of the restrictive exclusions found in other markets. The flexible underwriting approach makes it practical for both established businesses and qualified startups. Example scenarios where this program fits well: A newly formed electrical contractor seeking CGL with blanket additional insured and primary/non-contributory wording to satisfy local subcontracting partners. A small GC with mixed residential and light commercial projects that needs per-project aggregate limits and coverage for multiple trades while occasionally using subcontractors. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for artisan contractors such as electricians, HVAC techs, plumbers, painters, and small general contractors, including those working on new residential construction. Are new ventures eligible for coverage?Yes. The program welcomes startup contractors provided they meet other underwriting criteria. Can the program handle subcontracting exposures?Yes. Accounts with up to 50% subcontracting costs are considered, as long as subcontractors carry appropriate insurance and meet program guidelines. What exclusions are not present in this program?This program does not include prior-works, subsidence, sunset, or manifestation exclusions, offering broader protection for insureds. Is this program admitted or non-admitted?This is a non-admitted program, allowing greater flexibility in underwriting and coverage customization. Need help placing an account? Connect with a market specialist.

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

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.

... CPL available for long-duration contracts and complex remediation timelines. ...leted application, scope of work or contracts, loss runs, and loss control inf...

Electricians play a vital role in residential, commercial, and industrial construction and maintenance. Their work often involves job-site hazards, coordination with subcontractors, and changing project scopes—making the right liability protection essential. Novatae Risk Group offers a focused General Liability Insurance program for Electrical Contractors through our wholesale brokerage services to help protect your insureds from the routine and contract-driven risks of the trade. This program is designed for small- to mid-size electrical contractors and is placed through a panel of admitted and non-admitted carriers, including markets rated as high as A-XV. Whether the account wires single-family homes, performs tenant improvements, or handles commercial remodels, Novatae provides underwriting flexibility and carrier access to help you place accounts that need responsive service and tailored coverage terms. Call 800-758-8113 to speak with an experienced broker, or email [email protected] with your submission. Program Overview Novatae’s General Liability Insurance for Electrical Contractors is built to support contractors with annual payrolls up to $1 million. The program addresses common exposures electricians face—third-party bodily injury and property damage, operations and completed operations, and subcontracted work—while offering contract-friendly endorsements to meet owner and GC requirements. Target Accounts This program is a strong fit for agents placing: Electrical contractors working on new construction of single-family homes and low-rise commercial buildings Companies performing residential or commercial electrical repair, remodel, or retrofit work Accounts where roughly 75% or more of operations fall within approved class codes You might have a client who installs electrical systems for custom homes or a subcontractor handling wiring for retail tenant improvements—both are examples of accounts that typically place well here. Ineligible Accounts New construction of condominiums, condo conversions, and most townhouse projects (limited exceptions may apply) Projects involving buildings over three stories (with only narrow exceptions) Coverage Highlights Blanket Additional Insured endorsement Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate limits Limited coverage for Subsidence and Prior Projects These endorsements help satisfy common contractual requirements and reduce coverage gaps between the contractor and other parties on the project. Submission Requirements ACORD applications 3–5 years of currently valued loss runs Supplemental application specific to electrical contractors Project-specific pollution application (if applicable) Minimum Premiums and Carrier Placement Minimum premiums start at $1,500, making the program competitive for smaller contracting operations. Novatae places business with both admitted and non-admitted carriers, including high-quality markets rated up to A-XV, allowing flexibility based on the account’s risk profile and state of operation. Territorial 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, and WV. Contact Novatae to confirm current appetite and carrier availability in your client’s state. Why Work With Novatae Risk Group? As a wholesale broker with deep experience in contractor exposures, Novatae Risk Group offers fast underwriting responses, access to top-rated carriers, and program design that reflects real-world construction risks. Our team can help structure limits and endorsements to meet contract requirements while keeping coverage aligned with your client’s operations. Need a quote? Contact us today at [email protected] or call 800-758-8113 to speak with a broker. Frequently Asked Questions What types of electrical contractors are best suited for this program?This program is ideal for small to mid-size contractors with annual payrolls under $1 million, especially those working on single-family home construction, commercial tenant improvements, and service or repair work. Are new condo construction projects eligible for this program?No. New construction of condominiums and condo conversions are generally ineligible, though limited exceptions may be considered based on the specific project details. What is the minimum premium for this program?The program’s minimum premium starts at $1,500, which often makes it a strong option for smaller electrical contracting businesses. What states is this program available in?The program is available in over two dozen states, including CA, TX, FL, GA, IL, and NC. Contact Novatae to confirm current appetite and carrier access in your client’s state. What underwriting documents are required to submit an account?Provide completed ACORD applications, 3–5 years of currently valued loss runs, the electrical contractor supplemental application, and a project pollution application if applicable. Need help placing an account? Connect with a market specialist.

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.