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K&K Insurance offers a Product Liability Insurance Program developed for the sports, leisure and entertainment industry with emphasis on automobile, motorcycle, sports equipment, boat, trailer and amusement ride manufacturers. The program includes most support industries and other tough product liability classes. Eligible Operations for Product Liability Insurance: - Auto, motorcycle, truck parts - Baby products - Boats and marine equipment - Camping equipment - Collector car kits, street rods, kit cars - Custom motorcycle manufacturers - Distributors - Exercise equipment - Furniture - Gymnastic and martial art equipment - Industrial products - Importers - Manufacturers - Medical equipment - New Ventures - Nutraceuticals - Racing equipment and parts - Ski equipment, snow boards, skateboards - Sports equipment - Trailers and recreational vehicles - Vitamins and Supplements Coverages Available & Program Highlights: Products Liability Feabures - Vendors as Additional Insureds - Worldwide Coverage - Occurrence or Claims-made policy forms - Deductible and SIR Options Available General Liability (including products coverage) Umbrella/Excess Liability Please contact our regional sales directors for questions about programs offered by K&K. David Mello – AK, AZ, CA, CO, HI, IA, ID, IL, KS, MA, ME, MN, MO, MT, ND, NE, NH, NJ, NV, NY, OK, OR, SD, UT, VT, WA, WI, WY [email protected] 260.438.7611 Nick Pentsos – AL, AR, CT, DC, DE, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, RI, SC, TN, TX, VA, WV [email protected] 260.222.1864

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.

Drywall contractors face distinct liability exposures across residential and commercial projects. Novatae Risk Group offers a specialized General Liability insurance program underwritten by Empire Underwriters, built for small- to medium-sized drywall contractors who need reliable, cost-effective protection for third-party claims arising from their operations. Whether your client focuses on new construction or remodels and tenant improvements, Novatae’s program provides tailored coverage options for contractors with less than $1,000,000 in annual payroll and whose operations fall primarily within approved class codes. The program fits businesses that work on single-family homes, commercial office build-outs, retail tenant improvements, and similar contracts. Ideal Accounts and Appetite Novatae targets drywall contractors involved in: New residential or commercial construction, including single-family homes Repair, renovation, or remodeling projects Operations where at least 75% of exposure falls within approved class codes Typical exclusions or ineligible risks include new condominium construction or conversions, most townhouse projects (some exceptions may apply), and buildings over three stories in height (limited exceptions considered by underwriting). Coverage Highlights and Advantages Blanket Additional Insured endorsements to simplify client obligations Waiver of Subrogation where required by contract Primary & Non-Contributory wording available Per-Project Aggregate limits for controlled exposure on specific jobs Subsidence coverage (subject to limits and underwriting review) Prior Projects coverage available with restrictions These features address common exposures—property damage, bodily injury, and defense costs—that drywall contractors face on job sites and after completed work. Underwriting Notes and Minimum Premiums To submit a risk for quotation, provide: Completed ACORD applications 3–5 years of currently valued loss runs Completed supplemental application Project-specific pollution application when applicable Minimum premiums start at $1,500. Coverage is available on both admitted and non-admitted paper through highly rated carriers (as high as A-XV), with exact options depending on state and risk profile. Territories and Availability This program is available in most states, including 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. Coverage availability and carrier selection vary by state—check with underwriting for state-specific terms. Why Work With Novatae Risk Group? Novatae Risk Group is a wholesale broker with specialty market access and hands-on underwriting relationships. Their partnership with Empire Underwriters gives you entry to targeted General Liability capacity for drywall contractors, competitive pricing, and responsive underwriting service. Whether you’re placing a startup contractor or an experienced operator with a clean loss history, Novatae can help identify appropriate paper and structure terms. Example scenarios where this program is a good fit: A small contractor performing single-family home drywall installations and repairs seeking broad additional-insured and waiver provisions for GC contracts. A medium-sized subcontractor doing tenant improvements and office build-outs who needs per-project aggregate limits and options for prior-work coverage. Do you need a General Liability Insurance quote for your Drywall Contractor 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 drywall contractors with under $1,000,000 in payroll who work on residential or commercial new construction or remodeling projects. Are contractors involved in multi-story buildings eligible?Projects involving structures over three stories are generally ineligible, although underwriting may consider limited exceptions. Contact underwriting with project specifics. What documents are needed to submit a quote?Provide ACORD applications, 3–5 years of currently valued loss runs, a supplemental application, and a project-specific pollution application if applicable. Is this program available on admitted paper?Yes. Coverage can be placed on either admitted or non-admitted paper depending on the state and the risk profile. In which states is this program offered?The program is available in most states, including CA, TX, FL, GA, NC, NJ, and many others listed above. Availability and carrier options vary by state. Need help placing an account? Connect with a market specialist.