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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.

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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