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...home construction, or commercial interiors — face consistent on-the-job exposu...residential finish work, commercial interiors, and tenant improvements. Accoun...

...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...

Carpenters face daily, specialized jobsite risks — from falls and equipment accidents to repetitive-motion injuries. A single claim can create significant financial exposure for contractors and for the agents who place them. Novatae Risk Group’s Carpentry Workers Compensation Insurance Program is tailored to help brokers place high-hazard, hard-to-place carpentry and construction risks with speed and precision. Using Empire’s underwriting platform, Novatae gives brokers access to a broad panel of markets and flexible solutions built for carpentry operations. Whether the account is a newly formed business, has prior large losses, or is otherwise difficult to place, this program focuses on fast quotes, responsive underwriting, and placement options across admitted and non-admitted markets. Ideal Accounts and Appetite Experience MOD of 1.30 or higher High-hazard or tough classification codes Residential framers, commercial carpenters, specialty carpentry contractors Accounts in state assigned risk pools New ventures, accounts with lapses, cancellations, or non-renewals Multi-state exposures and complex payrolls Hard-to-place workers compensation risks that need specialty underwriting Example scenarios: you might have a contractor with a history of large losses seeking placement, or a newly formed carpentry firm that can’t secure coverage in standard markets. This program is designed to give brokers practical options for those accounts. Coverage Highlights and Advantages Standalone Workers Compensation policies Access to multiple “A”-rated carriers (varies by state) Quick turnaround and hands-on underwriting Guaranteed cost, dividend, retrospective, and high-deductible plan options Integrated solutions for large or complex accounts Custom handling based on account size, loss history, and complexity The program offers flexibility to help brokers remain competitive in the high-risk workers compensation marketplace, from single-state carpentry risks to multi-state contractor operations. Underwriting Requirements and Minimum Premium Completed ACORD 130 application 3–4 years of currently valued loss runs Details on any large losses or open claims Supplemental questionnaire when applicable The program’s minimum premium is $10,000. Underwriting flexibility may be available for qualified accounts; submit complete documentation to accelerate review. Territories and Market Access This program is available in most states, including: 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. Admitted and non-admitted markets are available depending on the state and the account profile; carrier access varies by state. Why Partner with Novatae Risk Group? Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines Broker with deep experience placing high-hazard workers compensation accounts. Our underwriters know the carpentry sector and work with a broad market panel to find placement solutions for challenging submissions. We welcome the chance to review your carpentry accounts and help you find the right market and structure. Call our team at 800-758-8113, or email submissions to [email protected]. Frequently Asked Questions What types of carpentry businesses are eligible for this program?The program targets high-hazard carpentry operations, including residential framers, commercial carpenters, and specialty contractors with elevated MODs or adverse loss histories. Can I submit accounts with no prior coverage or those that have been non-renewed?Yes. The program accepts new ventures, accounts with lapses, cancellations, or non-renewals, subject to underwriting review and documentation. Which states is the program available in?This program is available in more than 45 states, including large markets such as CA, TX, FL, and NY. Carrier availability varies by state and account profile. What is the minimum premium for this program?Minimum premium starts at $10,000. Underwriting flexibility on minimums may be considered for qualified submissions. How quickly can I expect a quote?Turnaround is typically fast when a completed ACORD 130, current loss runs, and any supplemental information are provided up front. Need help placing an account? Connect with a market specialist.

...50 feet. Selective demolition, interior strip-outs, and site clearance opera...and/or less than 50 feet, selective interior demolition, site clearance, and s...

... liability risks associated with interior and exterior door and window install...ovations or a contractor working on interior doors for new offices—both would ...

McGowan Excess & Casualty Trade Contractors Umbrella Insurance Overview of the Program From The McGowan Companies The McGowan Companies offers a robust Trade Contractors Umbrella Insurance program through McGowan Excess & Casualty, designed specifically for agents and brokers seeking excess liability solutions for trade and artisan contractor clients. Whether your insureds are handling large-scale commercial construction or specialty subcontracting work, this program is built to provide the additional layer of protection needed to meet contractual requirements and protect against catastrophic loss. As a Managing General Underwriter with access to a wide range of markets, McGowan brings deep underwriting expertise and flexible options to meet the unique needs of this sector. Most states are eligible, and coverage is available on a non-admitted basis in many areas. Ideal Accounts and Appetite This program targets a broad spectrum 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 solar panels for commercial properties or a subcontractor working on large municipal sewer projects, this program can offer the excess capacity they need to secure contracts and meet liability thresholds. Coverage Highlights and Advantages Commercial Umbrella Liability – Provides a critical layer of liability protection above underlying policies. Follow Form Excess Liability – Flexibility to write excess layers over qualified lead umbrellas. Limits – Umbrella limits starting at $1MM, with capacity available up to $100MM. Excess layers can be written from $1MM to $100MM over existing lead umbrellas. Coverage terms are designed to be competitive and responsive to the evolving needs of contractors, especially those working on high-exposure projects or with strict contractual insurance requirements. Underwriting Notes and Minimum Premiums A minimum A- / VII rating from underlying carriers is typically required, though exceptions may be made for Employers Liability (EL) carriers. McGowan’s underwriting team evaluates each submission thoroughly and is known for responsiveness and creativity in structuring layered excess programs. 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. Whether your agency is based in the Midwest, the South, or the West Coast, McGowan can help place umbrella coverage tailored to your client's geography and risk profile. Why Work With The McGowan Companies? With decades of experience in casualty and umbrella insurance, The McGowan Companies are known for underwriting excellence, speed to market, and access to both admitted and non-admitted solutions. Agents and brokers benefit from McGowan’s strong market relationships and commitment to helping you deliver value-added solutions to your contractor clients. Contact McGowan today to learn how their Trade Contractors Umbrella Insurance program can help you grow your book and meet your clients’ excess liability needs. 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 others 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 coverage specifics. Are there any underwriting requirements for the underlying carriers?Yes, underlying carriers generally need to be rated A- / VII or better. Exceptions may be made for Employers Liability carriers. How quickly can submissions be reviewed?McGowan is known for responsive underwriting. Turnaround time depends on the completeness of the submission and complexity of the risk. Need help placing an account? Connect with a market specialist.

A tile installation contractor’s work can vary widely—from residential remodeling to commercial flooring installations. Whether your client operates a storefront or strictly performs on-site installations, they face a diverse set of liability exposures. Novatae Risk Group, in partnership with Empire Underwriters, brings over 30 years of experience working with contractors and offers a specialized General Liability Insurance program tailored to the unique risks of tile installation professionals. Our program is designed to help insurance agents and brokers secure competitive and comprehensive coverage options for small to medium-sized tile contractors. We offer solutions that address everything from job site injuries and property damage to more complex claims related to prior projects and subcontractor liability. Our underwriting team has the industry expertise to analyze operations and develop tailored risk management strategies that meet your clients' specific needs. Overview: This program offers General Liability Insurance and risk management services for tile installation contractors with a focus on small to mid-sized businesses. Ideal for operations with less than $1,000,000 in annual payroll, the program is underwritten by admitted and non-admitted carriers rated as high as A-XV. Target Accounts and Market Focus: We’re actively seeking the following contractor classes: Tile and Marble Installation Wood Flooring Installation Carpet Installation Vinyl Floor Installation Eligible operations include both new construction and remodeling projects for residential and commercial properties, including new single-family homes. Ineligible Risks: New construction of condominiums, condominium conversions, and townhouses (some exceptions may apply) Projects involving structures over three stories (some exceptions may apply) Coverage Highlights: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory Endorsements Per Project Aggregate Limits Subsidence Coverage (with limitations) Prior Projects Coverage (with limitations) Underwriting Requirements: ACORD Applications 3 to 5 years of currently valued loss runs Supplemental Application Pollution – Project Specific Application (if applicable) Minimum Premium and Carrier Strength: Minimum premiums start at $1,500. We offer access to both admitted and non-admitted markets, with carriers rated as high as A-XV for financial stability. Program 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, WV. Why Choose Novatae Risk Group: As a trusted wholesale broker, Novatae Risk Group gives you access to exclusive contractor markets and expert underwriting support. We help you navigate complex submissions and secure the right coverage for your clients. Whether you're placing a tile contractor specializing in residential remodels or a small team working on light commercial builds, our program offers flexible, competitive solutions. Ready to get started? Send your submissions to [email protected] or call 800-758-8113 to speak with an experienced underwriter today. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized tile, wood flooring, carpet, and vinyl installation contractors with under $1 million in annual payroll. Are both residential and commercial projects eligible?Yes, the program covers both residential and commercial work, including new single-family homes and remodeling projects. What risks are not eligible for coverage?We typically cannot accommodate new condo construction, condo conversions, or buildings over three stories, though some exceptions may apply. Which states is this program available in?The program is available in 26 states including CA, TX, FL, IL, NC, and more. What are the minimum submission requirements?Agents must provide ACORD applications, 3–5 years of loss runs, a supplemental application, and a pollution application if applicable. Need help placing an account? Connect with a market specialist.

...d renovation projects, including interior remodels and structural changes. Wha...

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

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.