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Insulation Contractors play a crucial role in ...e for contractors doing spray foam insulation?Yes, spray foam and other common insulation methods are eligible when part o...

Overview: Novatae Risk Group offers a specialized General Liability program for small to medium-sized masonry contractors. Designed with the unique exposures of the masonry trade in mind, this program provides insurance agents and brokers with a reliable market for hard-to-place or niche artisan risks. Whether your client is working on residential remodels or light commercial projects, Novatae’s underwriting team can help you secure tailored general liability coverage backed by top-rated carriers. Market Focus: This program targets masonry contractors with annual payrolls under $1,000,000. It is ideal for small to mid-sized operations that specialize in artisan masonry, stonework, or bricklaying. Novatae’s appetite includes contractors engaged in both new construction and renovation work on residential and commercial buildings. Appetite: Artisan Masonry Contractors Bricklaying and Stonework Professionals Eligible Risks: New residential and commercial construction (including single-family homes) Repair and remodeling work across residential and commercial properties Ineligible Risks: New construction of condominiums, condo conversions, and townhouses (with some exceptions) Projects involving buildings taller than three stories (with some exceptions) Coverages Available: Blanket Additional Insured Endorsements Waiver of Subrogation Primary and Non-Contributory Language Per Project Aggregate Limits Limited Subsidence Coverage Limited Prior Projects Coverage Submission Requirements: Completed ACORD Applications 3–5 years of currently valued loss runs Supplemental Application Project-Specific Pollution Application (if applicable) Why Work With Novatae Risk Group? As a wholesale broker with access to both admitted and non-admitted carriers rated as high as A-XV, Novatae Risk Group offers flexibility in placement and underwriting expertise. Their team understands the challenges masonry contractors face, including site-specific risks like subsidence and prior project liability. With a minimum premium starting at $1,500, this program is competitively positioned for contractors seeking tailored GL protection. Novatae provides responsive service and fast turnaround, helping you move accounts efficiently from quote to bind. Territories Available: This General Liability program is available in most states, including AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, and WV. Do you need a General Liability quote for your Mason 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 accounts are a good fit for this program?This program is ideal for small to medium-sized artisan masonry contractors with less than $1,000,000 in annual payroll. It fits well with businesses performing stonework, bricklaying, and general masonry on residential or light commercial projects. Are new construction projects eligible?Yes, the program accepts new construction work on single-family homes and commercial buildings, as long as the structure is three stories or less and not a condominium or townhouse (with some exceptions). What are common ineligible risks?New condo builds, condo conversions, townhouses, and projects involving buildings over three stories are typically ineligible, though some exceptions may apply based on underwriting review. Is coverage available on an admitted basis?Yes, coverage is available through both admitted and non-admitted carriers, depending on the risk profile and state. Novatae partners with carriers rated up to A-XV. What is the minimum premium for this program?The minimum premium starts at $1,500, making it accessible for smaller masonry operations needing basic general liability coverage. Need help placing an account? Connect with a market specialist.

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...nd new ventures. What submission materials should I include to get a quick rev... for consideration?Email submission materials to [email protected]...

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... Framers Home flippers Insulation Janitorial & maintenance ...for each placement. What submission materials speed underwriting?Provide a com...

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