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...cation • Experience Modification Worksheet • 3–5 years of currently valued...ram available in all states?Yes. Our Workers' Compensation program is available in all 50 ...

Workers Compensation Insurance for Iron and Steel Workers Novatae Risk Group s...le?Yes, we specialize in multi-state Workers Compensation risks and can provide coverage ...

...n of frequency and severity makes Workers Compensation essential for protectin...What is the minimum premium for this Workers Comp program?The program’s minimu...

...ng it critical to have a tailored Workers Compensation solution in place. Nova... ventures and accounts with no prior Workers Compensation coverage are eligible for consi...

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.

Novatae Risk Group offers access to a General Liability Insurance program built for siding and decking contractors who need reliable, affordable coverage. Many small contractors keep tight control of costs and may hesitate to buy liability insurance — but a single property damage loss can be far more expensive than a policy. This program gives you a practical market to place those accounts quickly. Novatae Risk Group places submissions into a product developed by Empire Underwriters in partnership with an “A”-rated carrier. The program is underwritten specifically for the operations and exposures common to siding and decking contractors, and is available on admitted and non-admitted paper where permissible. Please contact us at 800-758-8113 to speak to our experienced brokers about General Liability Insurance for Siding and Decking Contractors accounts. Overview: Insurance and risk management for small- to mid-size siding and decking contractors. The program is designed to cover common exposures from installation, repair, and remodeling work on residential and commercial projects. Market Focus: A General Liability program focused on contractors with payrolls typically under $1,000,000 per year. Available on admitted and non-admitted paper with carriers rated up to A-XV. Appetite: Commercial and residential siding installation Commercial and residential decking installation Eligible Risks: New construction on residential and commercial projects, including single-family homes Repair, remodeling, and retrofit work on residential and commercial properties Ineligible Risks: New construction of condominiums, condominium conversions, and townhouses (some exceptions may apply) Any structures or work above three stories (some exceptions may apply) Coverages Available: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per-Project Aggregate Subsidence (with limitations) Prior Projects (with limitations) Submission Requirements: Completed ACORD applications Currently valued loss runs (3 to 5 years) Supplemental application Pollution — project-specific application when applicable Underwriting Notes and Minimum Premiums: Underwriting evaluates payroll, scope of work, project types, subcontractor use, and loss history. The program generally targets accounts with straightforward siding and decking operations; extensive structural work, significant premises-liability exposures, or complex pollution hazards may require referral. Minimum premium: $1,500. Territories and Availability: Most available states. Currently offered in: 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. Coverage may be admitted or non-admitted depending on state regulations and carrier appetite. Why Work With Novatae Risk Group on This Business Specialized wholesale access to a program tailored for siding and decking contractors. Fast underwriting response for straightforward accounts and flexible options for additional insureds, waiver of subrogation, and per-project aggregates. Placement on admitted or non-admitted paper with carriers rated as high as A-XV to meet client and certificate demands. Experienced brokers to help package accounts and present risk information effectively to underwriters. Example fits: A small family-owned siding contractor with $400,000 payroll doing single-family home installs and repair work with minimal subcontracting. An independent deck installer performing residential deck construction and occasional commercial decking jobs, seeking blanket additional insured and primary/non-contributory wording for contractor relationships. Do you need a General Liability Insurance quote for your siding and decking contractor account? Send an email to [email protected] with your submission or call 800-758-8113 to speak to an underwriter. Frequently Asked Questions What types of siding and decking contractors are a good fit for this program?Small to mid-size contractors performing commercial or residential siding and decking installation, repair, or remodeling work with annual payrolls generally under $1,000,000 are ideal. Accounts with straightforward operations and limited structural alterations fit best. Which coverages can I request on behalf of my insured?The program offers typical GL features including blanket additional insured, waiver of subrogation, primary and non-contributory wording, and per-project aggregates. Subsidence and prior projects coverage are available with limitations — submit specifics for review. What do you need to submit a quote?Provide a completed ACORD application, a supplemental application when applicable, currently valued loss runs for the last 3–5 years, and a project-specific pollution application if there are pollution exposures. Are quotes available on admitted paper?Yes. The program can place business on admitted or non-admitted paper depending on the state and carrier appetite. Novatae Risk Group will confirm the best placement when reviewing the submission. Is there a minimum premium or other common binding requirements?The program typically has a minimum premium of $1,500. Binding requirements and endorsements vary by carrier; include details about certificate and additional insured requirements at submission so underwriters can address them up front. Need help placing an account? Connect with a market specialist.

...tae Risk Group offers a dedicated Workers Compensation Insurance program tailo...What is the minimum premium for this workers compensation program?The program has a minim...

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... In-Home Care Iron & Steel Line Maint...e exposures and can provide tailored Workers Compensation solutions across state lines. W...