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General Liability Insurance is a critical first step in protecting appliance installation businesses from a wide range of risks. From property damage and bodily injury to advertising injury and reputational harm, this coverage forms the foundation of a risk management strategy for your clients in the appliance installation trade. Novatae Risk Group, through Empire Underwriters, offers a specialized General Liability Insurance program tailored to the needs of appliance installation contractors. Designed for small to mid-sized operations, this program offers flexible underwriting and access to both admitted and non-admitted carriers rated as high as A-XV. Whether your client installs appliances in residential or commercial settings, this program can help address their unique exposures. Overview: This program provides targeted General Liability coverage for Appliance Installation Contractors, helping your clients manage risks associated with on-site installations, customer property damage, and third-party injuries. With a minimum premium starting at $1,500, it's an accessible solution for smaller contractors seeking comprehensive protection. Ideal Accounts and Appetite: Appliance Installation Contractors Appliance Service Contractors Residential Appliance Installers Commercial Appliance Installers This program focuses on contractors with annual payrolls under $1,000,000. It's a great fit for agents working with insureds who handle appliance installation as their primary operation, whether in new construction or retrofit settings. Coverage Highlights and Advantages: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate Limits Subsidence coverage (with limitations) Prior Projects coverage (with limitations) These features help contractors meet contractual requirements and protect their business from claims arising during and after project completion. Underwriting Requirements: Completed ACORD Applications 3 to 5 years of currently valued loss runs Supplemental Application Project-Specific Pollution Application (if applicable) Territories and 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 Work With Novatae Risk Group: As a national wholesale broker, Novatae Risk Group brings deep expertise in placing niche contractor risks. Our team can quickly evaluate your submissions and help place tough-to-place appliance installation accounts with top-rated markets. Whether you handle residential or commercial contractors, our access to both admitted and non-admitted solutions gives you flexibility and speed in quoting. Contact us today at 800-758-8113 to speak with a broker, or email submissions to [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized appliance installation contractors with under $1,000,000 in annual payroll, including both residential and commercial installers. Are both admitted and non-admitted markets available?Yes, the program offers access to both admitted and non-admitted carriers, with ratings as high as A-XV. Which states is this program available in?This program is available in over 25 states, including CA, TX, FL, NJ, and IL. Please contact us for availability in your state. What is the minimum premium for this program?The minimum premium starts at $1,500, making it accessible for small contractors needing essential General Liability protection. What documents are needed to submit an account?Submissions should include completed ACORD applications, 3–5 years of valued loss runs, a supplemental application, and a project-specific pollution application if applicable. Need help placing an account? Connect with a market specialist.

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Running a sound and audio installation business requires more than technical skill — it also requires effective risk management. Workers Compensation Insurance protects employees and businesses from workplace injuries in an industry where hands-on work, ladders, tools, and frequent site visits are part of the daily routine. Novatae Risk Group, through its Empire Underwriters division, offers a specialized Workers Compensation Insurance program tailored for sound and audio installation contractors. Built for the exposures common to this niche, the program helps agents and brokers place difficult or underserved workers comp accounts across more than 20 states. Ideal Accounts and Appetite This program targets businesses that install sound systems, AV components, intercoms, security audio, and related equipment in commercial and residential settings. Typical fits include commercial AV integrators, home theater installers, intercom and paging system contractors, and specialty audio subcontractors. You might use this program for a small but growing crew of technicians who travel to client sites and perform hands-on installation, cable routing, equipment mounting, and system testing—accounts that often face difficulty finding competitive workers comp coverage in standard markets. Coverage Highlights and Advantages Minimum premium starting at $7,500 10% commission for appointed agents Fast quote turnaround when submissions are complete Access to a broad network of admitted and non-admitted carriers (varies by account) Underwriting Requirements Completed ACORD 130 application Three years of currently valued loss runs A supplemental questionnaire specific to sound/audio operations Details on any large or unusual losses Territories and Availability The program is available in more than 20 states, including CA, FL, TX, NY, NJ, IL, GA and others. Novatae can place business in both admitted and non-admitted markets depending on the state and the risk profile. For a full list of states, reference the program territory guide or contact underwriting. Why Work With Novatae Risk Group? Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines Broker with focused programs for niche contractors. Our underwriting team understands the operational risks of sound and audio installers and provides responsive service, market access, and pragmatic placing strategies for tougher accounts. When you need speed and accuracy to place a challenging workers comp risk, Novatae offers practical solutions and carrier relationships to get business bound. Need a Workers Compensation Insurance quote for your Sound and Audio Installation client? 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 businesses involved in sound and audio system installation, including commercial AV companies, home theater installers, and intercom system contractors. What is the minimum premium for this Workers Compensation program?The minimum premium starts at $7,500, making it suitable for larger or more active installation operations. Which states is this program available in?This program is available in over 20 states, including CA, FL, TX, NY, NJ, GA, IL, and others. What documents are needed to get a quote?A complete submission includes an ACORD 130, three years of loss runs, a supplemental questionnaire, and details on any large losses. How quickly can I get a quote?Quotes are typically turned around quickly once a complete submission is received, thanks to Novatae's streamlined underwriting approach. Need help placing an account? Connect with a market specialist.

Novatae Risk Group offers a specialized Workers Compensation program tailored for warehouse operations. Warehouse environments present a concentrated set of exposures — lifting, material handling, forklift operations, repetitive motion, and slip/trip hazards — that can produce significant comp claims if not placed with the right underwriting and claims partners. This program pairs focused underwriting with flexible market access to help you place warehouse risks with confidence. Overview of the Program Novatae Risk Group lists a warehouse workers’ compensation solution underwritten by an "A" rated carrier and administered through experienced MGA/E&S capacity. The program is designed for single-location and multi-location warehouses, distribution centers, and third-party logistics (3PL) operations that require a market tuned to the unique exposures of material handling employers. Submit complete applications for fast turnaround and clear underwriting decisions. Ideal Accounts and Appetite Warehouse and distribution operations (small to mid-size and select larger accounts) Third-party logistics (3PL) facilities with established safety programs Accounts with forklift operations, pallet handling, and order-fulfillment activity Good fit: employers with documented safety programs, light-to-moderate loss history, and effective return-to-work practices Less likely to fit: high-hazard manufacturers, sites with frequent severe losses, or operations lacking basic loss control Coverage Highlights and Advantages Program access through a Managing General Underwriter and Excess & Surplus lines broker structure to reach admitted and non-admitted capacity as needed Fast turnaround on quotes when a completed application and loss runs are provided Designed to address common warehouse exposures such as material handling injuries, lifting strains, and vehicle/pedestrian incidents Competitive commission structure and a market that can place accounts other carriers decline Flexible terms for multi-location placements and parcel/palletized operations Underwriting Notes and Minimum Premiums Underwriters will want a complete submission to price appropriately. Minimum premium: $7,500. Typical required materials include a completed ACORD application, three years of loss runs, the program supplemental questionnaire, and details on any large past losses. Clear documentation of safety programs, training, and return-to-work policies improves placement prospects and pricing. Territories and Availability Available in the following states: 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, WV. The program can be structured on admitted or non-admitted paper depending on state availability and account characteristics; the carrier and placement vehicle will vary by risk and jurisdiction. Why Work With Novatae Risk Group on Warehouse Workers Comp Specialized underwriting focus on warehouse and distribution operations Access to admitted and E&S markets through MGA relationships Fast, pragmatic quoting when you provide a complete submission Experienced claims and loss control partners to help manage difficult exposures Example Accounts That Fit An owner-operated regional warehouse with 40 employees, organized safety training, and a clean two-year loss history — a straightforward candidate for competitive terms. A busy 3PL with mixed client operations, documented forklift training, and one large historical claim — eligible if loss-control initiatives and return-to-work plans are well documented. Send submissions with the required materials to [email protected] or call 800-758-8113 to speak with an underwriter about placement options. Frequently Asked Questions What types of warehouse accounts are a good fit for this program?Single-location and multi-location warehouses, distribution centers, and 3PLs with documented safety programs and moderate loss histories are ideal. Accounts with disciplined forklift training, formal return-to-work plans, and routine safety audits place best. What submission materials do underwriters require?Provide a completed ACORD application, three years of loss runs, the program supplemental questionnaire, and details on any large past losses. Incomplete files slow quoting. Is the program available admitted or non-admitted?Placement can be admitted or non-admitted depending on state and account characteristics. The carrier and placement vehicle will vary with risk profile and jurisdiction. What is the minimum premium and how does pricing consider loss history?The program has a minimum premium of $7,500. Pricing reflects class codes, payroll, loss history, and documented loss-control practices; strong safety documentation can materially improve terms. Need help placing an account? Connect with a market specialist.