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Flat concrete contractors face distinct liability exposures because their work forms the foundation for structures and surfaces. Defective workmanship, inferior materials, or unexpected site conditions can lead to expensive claims—even years after a job finishes. Novatae Risk Group’s General Liability Insurance for Flat Concrete Contractors helps your clients manage those risks with tailored coverage and underwriting expertise. Through our relationship with Empire Underwriters, Novatae provides access to a program supported by “A”-rated admitted and non-admitted carriers. The program is built for small to mid-sized flat concrete contractors with annual payrolls under $1,000,000. Whether your client does smooth concrete, decorative finishes, or commercial and residential slabs, this market offers focused coverage and underwriting guidance designed for the trades you place. To discuss Flat Concrete Contractor accounts, call our brokers at 800-758-8113. Overview of the Program: This general liability program addresses the common and specialized exposures of flat concrete contractors working in residential and light commercial sectors. Coverage and endorsements are targeted to risks associated with flatwork slabs, decorative concrete, cleaning services, footers, and related site work. Ideal Accounts and Target Appetite: We are actively seeking small to medium-sized contractors with less than $1,000,000 in annual payroll. Target operations include: Smooth concrete flatwork (driveways, sidewalks, patios) Decorative, stamped, and finished concrete Concrete cleaning and restoration services Residential and light commercial slabs and footings Example fits: you might have a client who installs residential driveways and patios or a subcontractor placing slabs on small commercial projects. Those operations typically match this program’s appetite. Coverage Highlights: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per-project aggregate limits Subsidence coverage (subject to limitations) Prior project coverage (subject to limitations) Underwriting Requirements and Minimum Premium: Completed ACORD applications 3–5 years of currently valued loss runs Supplemental contractor application Project-specific pollution application (if applicable) Minimum premiums typically start at $1,500, and final pricing depends on state and class codes. Territories and Carrier Access: Coverage 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. We place both admitted and non-admitted options with highly rated carriers (up to A-XV) depending on state and risk profile. Why Work With Novatae Risk Group: As a wholesale broker focused on construction, Novatae Risk Group delivers responsive service, deep market access, and practical underwriting support. We understand flat concrete exposures and work with brokers to place hard-to-bind or nuanced accounts efficiently. Our relationship with Empire Underwriters gives you expanded carrier options and tailored wording that matter on construction projects. Need a quote for a flat concrete contractor? Email submissions to [email protected] or call 800-758-8113 to speak with an underwriter. Frequently Asked Questions What types of accounts are a good fit for this program?Small to medium flat concrete contractors with payrolls under $1,000,000 — for example, residential flatwork specialists, decorative concrete installers, and light commercial slab contractors. What are the minimum premium requirements?Minimum premiums typically start at $1,500, but the final minimum depends on the state and operations class. What do I need to submit for a quote?Provide completed ACORD applications, 3–5 years of currently valued loss runs, the supplemental contractor application, and a pollution application if the account has pollutant exposures. Is coverage available in my state?The program is available in most states listed above. Contact us to confirm availability and admitted vs. non-admitted options for your client’s state. What carrier markets are used for this program?We utilize both admitted and non-admitted carriers, with available markets rated as high as A-XV depending on the risk profile and jurisdiction. Need help placing an account? Connect with a market specialist.

Contractors Pollution Liability Insurance From Citadel Insurance Services Citadel Insurance Services offers a specialized Contractors Pollution Liability (CPL) insurance program designed to help agents and brokers place coverage for contractors facing environmental exposures. Many contractors are unaware that standard commercial general liability (CGL) policies often exclude or severely limit coverage for pollution-related incidents. Our CPL program bridges that gap, providing protection against a wide range of environmental liabilities that can arise during construction and remediation operations. Ideal Accounts and Appetite This program is a strong fit for a broad range of contractor types, including: General Contractors – Commercial, residential, municipal, infrastructure, highway/road, mechanical, demolition, excavation & grading Trade Contractors – HVAC, concrete, paving, carpentry, and similar specialties Specialty Contractors – Including drillers, pipeline and tank installers, and foundation contractors Environmental Contractors – Including remediation and cleanup specialists If you work with contractors involved in soil work, chemical applications, fuel storage, or utility and pipeline installation, this program is built to address their unique risks. For example, you may have a client working on a municipal sewer replacement project—our CPL solution can help protect them from exposures related to accidental releases or spills during excavation. Coverage Highlights and Advantages Protects against third-party claims arising from pollution conditions caused by the insured’s operations Covers sudden and gradual pollution events Can include coverage for transportation of hazardous materials and non-owned disposal sites Fills coverage gaps left by pollution exclusions in standard GL policies Whether your client is managing fuel tanks on-site, transporting contaminated soil, or working near sensitive areas, CPL coverage helps protect against costly claims and regulatory issues. Underwriting Notes and Minimum Premium This is a non-admitted program available through Citadel Insurance Services. We work with a strong lineup of carriers including Starr, Crum, Scottsdale, AIG, Arch, ACE, and Liberty. The minimum premium for most accounts starts at $2,500. We review each submission carefully, with attention to project types, environmental exposures, and safety practices. Territories and Availability CPL coverage is available in most states, including but not limited to CA, TX, FL, NY, IL, WA, and NJ. We currently offer this program 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. Why Work With Citadel Insurance Services? As a wholesale broker, Citadel Insurance Services delivers access to top-tier environmental carriers and decades of experience in placing pollution liability coverage. We understand the nuances of contractor operations and have built a program that’s flexible, responsive, and tailored to your clients’ real-world risks. Our underwriting team is ready to help you place tough environmental accounts efficiently and competitively. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for general, trade, specialty, and environmental contractors—especially those involved in excavation, fuel or chemical handling, and pipeline or tank installation. Is this program available on an admitted basis?No, this is a non-admitted program. It is written through top-rated carriers that specialize in environmental risks. What is the minimum premium for this coverage?The minimum premium typically starts at $2,500, but may vary depending on the size and complexity of the account. Can this program cover transportation and disposal exposures?Yes, coverage can include transportation of hazardous materials and liability related to non-owned disposal sites, depending on the policy terms. In which states is this program available?The CPL program is available in most U.S. states, including CA, TX, FL, NY, and many others. Please refer to the full list above for current availability. Need help placing an account? Connect with a market specialist.

Working with concrete carries distinct hazards — from slips, falls, and heavy equipment incidents to exposure to flying debris and repetitive-strain injuries. That combination of frequency and severity makes Workers Compensation essential for protecting your clients’ employees and the financial stability of their businesses. Novatae Risk Group offers the Concrete Contractors Workers Compensation Insurance Program through Empire Underwriters. The program is underwritten for concrete contractors and related high-hazard trades, and is structured to help brokers place difficult or unusual accounts confidently — including new ventures, multi-state operations, and distressed or hard-to-place risks. Ideal Accounts and Appetite: Experience MOD of 1.30 or greater High-hazard operations and tough-to-place classes Blue, gray, and white collar labor mixes Businesses participating in state pools or assigned risk funds Distressed, lapsed, cancelled, or non-renewed policies No prior coverage or new ventures are welcome Multi-state operations — a specialty area Complex or hard-to-place Workers Compensation risks If you represent a concrete contractor who has struggled to obtain coverage because of loss history, multi-state exposure, or operational complexity, this program is designed to provide underwriting flexibility and market access. Coverage Highlights and Advantages: Fast turnaround on quotes and submissions to help you meet deadlines Access to a panel of "A" rated carriers (varies by state) Standalone Workers Compensation placement — no bundled products required Multiple plan options: guaranteed cost, dividend, and retro programs High-deductible programs available to manage premium cost Custom account handling and tailored service for complex placements Integrated Workers Comp solutions to streamline quoting and binding These features are intended to give agents tools to place higher-risk concrete contractors while offering flexible program design to meet insureds’ operational needs. Underwriting Requirements and Minimum Premium: Completed ACORD 130 application 3–4 years of loss runs Details on any large or catastrophic losses Supplemental questionnaire specific to operations and exposures Minimum premium starts at $10,000. Providing complete loss histories and the supplemental questionnaire up front helps Novatae Risk Group assess difficult accounts more quickly and produce competitive responses. Available States and Market Positioning: This program is offered in most states, including 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, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, and WI. Novatae places business across admitted and non-admitted markets; carrier availability varies by state. Why Work With Novatae Risk Group? As a managing general underwriter and Excess & Surplus Lines broker, Novatae Risk Group combines deep construction sector expertise with broad market access. Agents benefit from responsive underwriting, tailored program structures, and specialty placement capabilities for complex or challenged Workers Compensation risks. Novatae’s team focuses on practical solutions that help agents bind business quickly while addressing the specific exposures of concrete contractors — from field crews and finishers to multi-state contractors with diverse payroll mixes. Contact us at 800-758-8113 to speak with a broker about placing your Concrete Contractors Workers Compensation accounts. Need a Concrete Contractors Workers Compensation Insurance Quote? Send an email to [email protected] with your submission materials or call 800-758-8113 to speak with an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?Concrete contractors with high-hazard operations, elevated Experience MODs (around 1.30+), multi-state payrolls, or a history of lapses, cancellations, or difficult loss experience. Can you place new ventures or accounts with no prior coverage?Yes. New ventures and accounts without prior Workers Compensation history are eligible and considered by the program. What documents are required to submit an account?Provide a completed ACORD 130, 3–4 years of loss runs, the supplemental questionnaire, and details on any large losses to accelerate underwriting review. Are multi-state operations accepted?Yes. Multi-state exposures are a specialty for Novatae — the program handles payroll spread across multiple jurisdictions and will match accounts to appropriate carriers by state. What is the minimum premium for this Workers Comp program?The program’s minimum premium starts at $10,000, though final pricing depends on the account profile and state(s) of exposure. Need help placing an account? Connect with a market specialist.

Stucco and plastering contractors face unique risks on every job site—from improperly mixed materials to scaffolding accidents and property damage due to faulty application. Even the most experienced contractors are exposed to liability claims that can disrupt operations and lead to significant financial losses. Novatae Risk Group, in partnership with Empire Underwriters, offers a tailored General Liability Insurance program for Plastering and Stucco Contractors. Designed specifically for small- to medium-sized artisan contractors, this program helps agents and brokers place business for clients with specialized liability exposures in this niche construction segment. Ideal Accounts and Target Appetite This program is best suited for: Artisan plastering, drywall, and insulation contractors EIFS (Exterior Insulation and Finish Systems) stucco or plastering contractors Target accounts include residential and commercial contractors with less than $1,000,000 in annual payroll. Whether your client is working on new single-family home construction or performing detailed repair and remodel work, this program offers the flexibility and protection they need. Examples of good-fit accounts include: A small stucco contractor specializing in home renovations A plastering crew working on commercial retail interiors under three stories Ineligible Risks New construction of condominiums, condo conversions, and townhouses (with limited exceptions) Projects involving structures over three stories (with limited exceptions) Coverage Highlights Blanket Additional Insured Endorsements Waiver of Subrogation Primary and Non-Contributory Wording Per Project Aggregate Limits Subsidence coverage (with restrictions) Prior Projects coverage (with restrictions) Submission Requirements Completed ACORD applications Currently valued loss runs (3–5 years) Supplemental application Pollution – project-specific application Minimum Premiums and Carrier Strength Minimum premium starts at $1,500. Coverage is written through a combination of admitted and non-admitted carriers, rated as high as A-XV, offering strong financial backing and flexible options based on your client's risk profile and state regulations. Program 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. Why Work With Novatae Risk Group? With over 30 years of experience in the construction insurance market, Novatae Risk Group and Empire Underwriters understand the specific liability exposures plastering and stucco contractors face. Our wholesale brokerage model offers access to specialized markets, responsive underwriters, and expert program knowledge to help you place hard-to-insure accounts efficiently. Need a quote? Email [email protected] or call 800-758-8113 to speak directly with an experienced underwriter. Frequently Asked Questions What types of accounts are a good fit for this program?Small to medium-sized stucco and plastering contractors with less than $1,000,000 in annual payroll, including those working on residential and commercial repair, remodel, or new builds under three stories. Are EIFS contractors eligible?Yes, EIFS (Exterior Insulation and Finish Systems) contractors are within the target appetite for this program. What are some ineligible risks under this program?New construction of condominiums, condo conversions, and townhouses, as well as work on structures exceeding three stories, are generally ineligible—though some exceptions may apply. Is this program available on an admitted or non-admitted basis?The program is available through both admitted and non-admitted markets, depending on the risk and state regulations. What submission materials are required?Agents should submit completed ACORD forms, 3–5 years of currently valued loss runs, a supplemental application, and a project-specific pollution application if applicable. Need help placing an account? Connect with a market specialist.