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...ir specialized work with vehicle interiors, customer property, and garage oper...is ideal for auto upholstery shops, interior restoration businesses, and detai...

...hen part of a broader remodel) Interior framing performed by the primary con...ing is permitted in some cases, but interior framing as a subcontracted operat...

McGowan Excess & Casualty Trade Contractors Umbrella Insurance Overview of the Program From The McGowan Companies The McGowan Companies offers a focused Trade Contractors Umbrella Insurance program through McGowan Excess & Casualty, designed for agents and brokers seeking excess liability capacity for trade and artisan contractor clients. Whether your insureds perform commercial construction, municipal subcontracting, or specialty residential work, this program delivers the additional layer of liability protection needed to meet contractual obligations and to protect against catastrophic loss. As a Managing General Underwriter with broad market access, McGowan combines underwriting expertise and flexible placement options to address the varied exposures of trade contractors. The program is available in most states and is commonly placed on a non-admitted basis where appropriate. Ideal Accounts and Appetite This program targets a wide range of trade contractors working in residential, commercial, and light industrial construction. Eligible classes include: Electricians Plumbers Paving and grading contractors Cable installation HVAC contractors Drywall and flooring installation Landscaping and painting Septic tank installation Solar panel installation Sewer and water main contractors Swimming pool contractors Tile, plastering, and masonry Concrete, carpentry, roofing, and siding If you have a client installing commercial solar arrays who needs higher limits for contract compliance, or a subcontractor working on a municipal sewer project requiring layered excess capacity, this program is built to provide the necessary umbrella limits and flexible layering. Coverage Highlights and Advantages Commercial Umbrella Liability – Provides an additional layer of liability protection above qualifying underlying policies. Follow Form Excess Liability – Can follow form over eligible lead umbrellas for streamlined terms and consistency. Limits – Umbrella limits begin at $1MM with capacity up to $100MM. Excess layers can be placed from $1MM to $100MM over existing lead umbrellas. Terms are structured to accommodate high-exposure projects and strict contractual insurance requirements while remaining competitive for the trade segment. Underwriting Notes and Minimum Requirements Underwriters typically require underlying carriers to be rated A- / VII or better; limited exceptions may be considered for Employers Liability (EL) carriers. McGowan’s team evaluates each submission on its individual merits and is known for practical, creative approaches to structuring layered excess programs. Response times are generally quick when submissions are complete and clearly documented. Territories and Availability This program is available in most states across the U.S., including but not limited to: CA, FL, NY, TX, IL, GA, and PA. Coverage availability and admitted versus non-admitted options may vary by jurisdiction and carrier selection. Why Work With The McGowan Companies? The McGowan Companies bring decades of casualty and umbrella underwriting experience, strong market relationships, and access to both admitted and non-admitted capacity. Agents and brokers benefit from McGowan’s underwriting sophistication, speed to market, and willingness to tailor layered solutions that help clients meet contract and project requirements. Contact McGowan to discuss specific submissions and to determine how their Trade Contractors Umbrella Insurance program can help you place larger-limit excess liability for your contractor accounts. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for trade contractors such as electricians, HVAC technicians, roofers, masons, and other artisan trades working in residential, commercial, or municipal construction environments. What coverage limits are available?Umbrella limits start at $1MM and can go up to $100MM. Excess layers can also be written from $1MM to $100MM over qualifying lead umbrellas. Is admitted paper available?The program is available in most states, primarily on a non-admitted basis. Availability may vary by carrier and state regulations. Are there any underwriting requirements for the underlying carriers?Yes, underlying carriers generally need to be rated A- / VII or better. McGowan may consider exceptions for certain Employers Liability carriers on a case-by-case basis. How quickly can submissions be reviewed?McGowan is known for responsive underwriting. Turnaround depends on the completeness of the submission and the complexity of the risk, so include clear loss runs, contracts, and lead umbrella policy details for the fastest review. Need help placing an account? Connect with a market specialist.

... targets contractors who perform interior and exterior door and window install..., or a shop that sells and installs interior doors for small commercial buildo...

...riveways, building exteriors and interiors, mobile equipment cleaning, and off... Cleaning services for building interiors and exteriors performed away fro...

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.

...ial office cleaning services Interior construction make-ready and post-con...leaners, window cleaning companies, interior construction prep crews, and crim...

...orization Cosmetic repairs and interior painting Floor refinishing, carpet...

...bris and trash removal General interior cleaning Cosmetic repairs such as ...

... 5484/5485 Interior Plastering 5506/5507...