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...tion for businesses engaged in metalworking, precision machining, and plastics...pecial Risk with expertise in the metalworking and plastics manufacturing indu...

...and consistent markets serving metalworking and plastic-processing firms natio...actors or finished consumer goods manufacturers. Is the program admitted in al...

Manufacturers & Distributors Insurance In...program?This program is ideal for manufacturers and distributors of products s...

Tool manufacturers face distinct workers compensatio...deal for small- to mid-sized tool manufacturers, including CNC machine shops, ...

MANUFACTURERS & DISTRIBUTORS INSURANCE Com...program?This program is ideal for manufacturers, importers, and distributors o...

As a sheet metal contractor, your clients face a wide range of occupational hazards—from sharp metal edges and heavy machinery to elevated work areas and welding operations. Each specialty within the sheet metal industry presents its own set of risks, making it critical to have a tailored Workers Compensation solution in place. Novatae Risk Group, through its Empire Underwriters division, offers a specialized Workers Compensation Insurance Program designed specifically for sheet metal contractors, addressing both common and complex risk scenarios. With over 30 years of experience working with sheet metal companies, our team understands the operational challenges and regulatory requirements these businesses face. Whether your client is a new venture or a long-standing operation with a complicated loss history, we have the underwriting expertise and market access to help you place hard-to-fit risks effectively. Ideal Accounts and Appetite: Experience MOD of 1.30 or higher High hazard or tough-to-place classes Blue, gray, and white-collar operations Accounts in state risk pools or assigned risk funds Distressed, lapsed, or non-renewed accounts No prior coverage—OK New ventures welcome Multi-state operations and exposures Hard-to-place Workers Compensation risks If you have a sheet metal contractor client recently dropped from a standard carrier or one operating across state lines with inconsistent coverage, this program is built to help you find a reliable solution. Coverage Highlights and Advantages: Fast quote turnaround Access to multiple "A" rated carriers Stand-alone Workers Compensation policies Guaranteed cost programs available Integrated Work Comp solutions Dividend and retrospective rating plans High deductible options Customized account handling for complex risks Underwriting Requirements and Minimum Premium: Completed ACORD 130 application 3–4 years of loss runs Detail on any large losses Supplemental questionnaire Minimum premium starts at $10,000. Submissions with thorough documentation receive faster underwriting and quoting. Available States: This program is available nationwide in most states, including but not limited to: CA, FL, TX, NY, IL, PA, GA, and AZ. Multi-state risks are a specialty, and we work across admitted and non-admitted markets depending on the state and account profile. Why Work With Novatae Risk Group? Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines Broker with deep expertise in Workers Compensation. Through Empire Underwriters, we deliver custom solutions for tough classes like sheet metal contracting. Our long-standing carrier relationships, underwriting knowledge, and responsive service make us a strong partner for agents and brokers seeking to place difficult or non-standard accounts. Do you need a Workers Compensation Insurance Quote for Sheet Metal Contractors? 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 sheet metal contractors with high MODs, prior losses, multi-state exposure, or those dropped by standard markets. Can new ventures with no prior coverage apply?Yes, new ventures and accounts with no prior Workers Compensation coverage are eligible for consideration. What documents are required to submit a quote?You’ll need a completed ACORD 130, 3–4 years of loss runs, details on large losses, and a supplemental questionnaire. Are multi-state operations acceptable?Yes, multi-state risks are a specialty of this program, and we can tailor solutions across various jurisdictions. What is the minimum premium for this program?The minimum premium typically starts at $10,000, depending on the risk characteristics and state. Need help placing an account? Connect with a market specialist.

... Water service districts Metalworking operations Manufacturing Risks: ...

```html Metal erection contractors face a range of liability exposures due to the nature of their work—operating heavy machinery, transporting expensive equipment, and working with structural steel at varying heights and job sites. These operations create potential risks including third-party bodily injury, property damage, theft of materials, and job site accidents. To help agents place this class of business confidently, Novatae Risk Group offers a comprehensive General Liability Insurance program tailored specifically for Metal Erection Contractors. Empire Underwriters, a division of Novatae Risk Group, has partnered with an “A” rated carrier to deliver responsive and reliable general liability solutions. Backed by over 30 years of construction industry experience, our team understands the unique exposures that come with metal, steel, and iron erection—making us a trusted partner for agents seeking customized coverage and quality underwriting support. Program Overview: This program is designed for small to mid-sized metal erection contractors with annual payrolls under $1,000,000. We focus on helping agents serve clients involved in architectural and ornamental metal work, decorative metal installations, structural steel erection, and related activities. Target Classes: Architectural and Ornamental Metal Work Decorative Metal Work Metal Erection Contractors Metal Fabrication Steel or Iron Erection Eligible Operations: New residential and commercial construction, including single-family homes Repair and remodeling of residential and commercial structures Ineligible Operations: New construction of condominiums, conversions, or townhouses (some exceptions may apply) Projects involving structures over 3 stories tall (some exceptions may apply) Key Coverage Features: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate limits Subsidence coverage (with limitations) Prior Projects coverage (with limitations) Submission Requirements: Completed ACORD applications 3–5 years of currently valued loss runs Program-specific supplemental application Pollution questionnaire (if applicable) Minimum Premium: $1,500 Carrier Access: Admitted and Non-Admitted markets with A-XV rated carriers Availability: Program available 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 You might have a client that fabricates and installs decorative iron railings for upscale residential homes or a small steel erection contractor working on single-story commercial builds. These are ideal fits for our program. Contact us today at 800-758-8113 to speak with an experienced underwriter, or email your submissions to [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?Small to mid-sized metal erection contractors with payrolls under $1 million, including those performing architectural, ornamental, and structural metal work. Are residential and commercial projects both eligible?Yes, the program accepts both new construction and remodeling/repair work for residential and commercial properties. What types of projects are excluded from eligibility?New condominium construction, condo conversions, townhouse projects, and buildings over three stories are generally ineligible, though some exceptions may apply. What states is the program available in?The program is available in over 20 states, including CA, TX, FL, GA, IL, and more. Reach out for specific state eligibility. What documents are required to submit a quote?Submissions should include ACORD applications, 3–5 years of loss runs, a supplemental application, and a pollution questionnaire if applicable. Need help placing an account? Connect with a market specialist. ```

Sheet Metal Contractors face a broad range of general liability exposures, from working on small-scale residential projects to large commercial structures. Their work often involves elevated risks related to installation, repair, and remodeling. For insurance agents and brokers, placing these accounts requires access to a flexible, contractor-specific program—not a generic one-size-fits-all solution. Novatae Risk Group offers a custom-tailored General Liability Insurance program designed specifically for small to mid-sized Sheet Metal Contractors. With underwriting provided by Empire Underwriters and access to both admitted and non-admitted carriers rated up to A-XV, this program delivers dependable coverage options, fast quoting turnaround, and hands-on broker support. Ideal Accounts and Appetite This program targets sheet metal contractors with annual payrolls under $1,000,000. Eligible operations include: Sheet metal installation for residential and commercial buildings Service and repair work on existing structures New construction of single-family homes and low-rise commercial buildings Remodeling and repair projects You might have a client who installs ductwork in commercial retail spaces or one who services metal siding on residential homes—both are a great fit for this program. Ineligible Risks New construction of condominiums or townhouse developments (some exceptions may apply) Projects involving structures taller than three stories (subject to exception review) Coverage Highlights Blanket Additional Insured endorsements Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate limits Limited Subsidence coverage Prior Projects coverage (with limitations) These features help your clients meet contract requirements and protect against job site liability exposures. Submission Requirements and Minimum Premium Completed ACORD applications 3–5 years of currently valued loss runs Supplemental application for sheet metal operations Project-specific pollution application, if applicable Minimum premiums start at $1,500, depending on risk profile and state. 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, and WV. Coverage is offered through both admitted and non-admitted carriers, allowing flexibility across a range of regulatory environments. Why Work With Novatae Risk Group? As a wholesale broker with deep expertise in contractor risks, Novatae Risk Group provides agents and brokers with access to customized insurance solutions backed by responsive underwriting teams and strong carrier relationships. Their sheet metal contractor program is built to help you serve your clients faster and with greater confidence. Call 800-758-8113 to speak with an experienced broker, or email your submission to [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?Small to medium-sized sheet metal contractors with under $1,000,000 in annual payroll who focus on installation, service, repair, or remodeling projects are ideal for this program. Are new construction projects eligible?Yes, new construction work on single-family homes and low-rise commercial buildings is eligible. However, new condo or townhouse developments are generally excluded. What documentation is required to submit an account?You will need completed ACORD forms, loss runs for the past 3–5 years, a supplemental application, and a pollution-specific application if applicable. What coverages are commonly included?Available coverages include Blanket Additional Insured, Waiver of Subrogation, Primary and Non-Contributory wording, and Per Project Aggregate, among others. In which states is this program available?The program is available in over 25 states, including CA, TX, FL, NY, and many others across the South, Midwest, and West. Need help placing an account? Connect with a market specialist.

Are you an agent placing coverage for a neighborhood hardware store, lumber & millwork supplier, or small contractor-supply retailer? American Lumber Underwriters offers a dedicated Hardware Store Insurance program designed for independent hardware and supply retailers that serve both retail customers and contractors. Our program combines multiple lines of coverage and flexible underwriting through our position as the Managing General Underwriter for five admitted carriers. Program Overview — American Lumber Underwriters This program is built for hardware stores with multiple specialty departments (paint matching, keys, power-tool repair, lumber cutting, special orders, etc.). We package General Liability, Property, Workers’ Compensation, Business Owners Policy (BOP), Professional Liability, Auto Liability and Umbrella coverage to produce broad, practical protection for everyday exposures your clients face. Common services and departments Computer paint matching Keys duplicated / locks re-keyed Power tool service and repair Pipe cutting and threading Cutting and ripping lumber Special orders and contractor supplies Ideal Accounts and Appetite Independent hardware stores, small regional chains, and lumber & building supply retailers. Stores that serve both walk-in retail customers and local contractors (e.g., rental/repair benches, lumber cutting services). Small-to-mid-size operations with on-site services (tool repair, cutting/threading) and limited hazardous operations. Not a fit: large national “big-box” chains, heavy manufacturing, or accounts with large-scale fuel dispensing, full-service equipment rental fleets, or extensive on-site manufacturing. For borderline or higher-hazard risks, contact underwriting for pre-submission review. Coverage Highlights and Advantages Multi-line solutions — place GL, Property, WC, BOP, Auto, Professional Liability and Umbrella together for coordinated limits and consistent service. Underwriting flexibility — as the MGA for five admitted carriers, American Lumber Underwriters can tailor program structures across carriers to meet complex needs. Industry expertise — underwriters understand retail exposures specific to hardware stores: slip-and-fall, product and operations exposures tied to tool repair and lumber services, employee injuries in cutting and repair departments, and delivery/auto exposures. Practical endorsements and options — available endorsements and extensions to reflect typical hardware-store operations (discuss options with underwriting). Underwriting Notes and Minimum Premiums Underwriting focuses on size of the operation, revenue mix (retail vs. contractor sales), onsite services (repair benches, woodworking, chemical storage), and loss history. Please submit details on annual sales by class, payroll, list of onsite services, building construction and protection class, and a current loss run for the past 3–5 years. If you need minimum premium or specific binding requirements, contact our underwriting team — they can provide state-specific minimums and appetite guidance prior to submission. Territories and Availability This program is available in the following states: 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, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. For states not listed or for out-of-state placements, contact underwriting for options. Why Place Hardware Store Business with American Lumber Underwriters Managing General Underwriter with direct access to five admitted carriers — greater flexibility to match coverages and pricing to account-specific risks. Dedicated underwriting expertise for lumber, building materials and hardware retail operations. Streamlined submission process and responsive service to help you bind accounts and service renewals efficiently. To learn more about the Hardware Store Insurance program or to request a quote, please give us a call today or send us an email. Frequently Asked Questions What types of hardware accounts are a good fit for this program?Independent hardware stores, lumber & building supply retailers and small regional chains that provide retail sales plus contractor services (e.g., lumber cutting, tool repair, special orders) are an ideal fit. The program favors small to mid-size operations without large-scale fueling or heavy manufacturing on-site. Which coverages can I place through American Lumber Underwriters for a hardware store?You can place General Liability, Property, Workers’ Compensation, Business Owners Policy, Professional Liability, Auto Liability and Umbrella through this program. Underwriting can discuss additional endorsements relevant to hardware operations during the submission. What information does underwriting need with a submission?Provide a detailed submission including annual sales by class, payroll, description of on-site services (repair benches, cutting/threading, hazardous materials storage), building construction and protection details, and current loss runs. Photos and a list of subcontracted services are helpful for faster review. Are there states where this program is not available?The program is available in the states listed above. If you have an account outside those states or a unique risk profile, contact underwriting to explore options or alternative carrier capacity. How do I find out minimum premium or binding requirements?Minimum premium and specific binding requirements vary by state and carrier. Please contact American Lumber Underwriters’ underwriting team for state-specific minimums and quote thresholds before submission. Need help placing an account? Connect with a market specialist.