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Gladius Insurance Services, LLC offers a specialized Foundation Repairs Insurance program designed for concrete contractors and construction professionals involved in structural repair work. This is one of the few markets that will actively entertain and cover the unique risks associated with foundation repair—a class of business that many carriers avoid. If you’re looking for a reliable non-admitted solution with broad eligibility and underwriting flexibility, we can help you place this business. Ideal Accounts and Appetite This program is tailored for concrete contractors working on foundation repair and structural restoration. It also fits general contractors involved in new residential or commercial construction, restoration work, and those who subcontract 100% of their operations. The program accepts: New ventures and accounts with no prior insurance Accounts with prior claims activity (subject to underwriting) Construction managers and paper GCs Tract work and apartment projects (with approval) Roofers and contractors needing EIFS coverage (underwriter approval) Coverage Highlights and Advantages Rated A15 by AM Best – strong carrier backing (International Insurance Company of Hannover LLC) Non-admitted solution offering underwriting flexibility Blanket Additional Insured, Primary & Non-Contributory, Waiver of Subrogation, and Per Project Aggregate available Subsidence and Prior Projects coverage (limitations apply) Minimum premiums starting at $2,000; $3,000 if prior work coverage is deleted with loss runs Underwriting Notes and Ineligible Risks While the program has broad eligibility, the following risks are ineligible: New construction of condos, condo conversions, and townhouses Process piping, blasting, tunneling, landfills, or emergency system exposures Bridge and airport construction Swimming pool and fire suppression contractors Crane operators Territories and Availability Available in AZ, CA, CT, FL, ID, IL, ND, NV, NJ, OH, OR, PA, TX, UT, and WA. The program is written on a non-admitted basis, allowing for broader underwriting flexibility in these states. Why Work With Gladius Insurance Services, LLC? As an experienced Excess & Surplus Lines Broker, Gladius Insurance Services, LLC understands the unique challenges contractors face—especially in the niche of foundation repairs. Many markets exclude this class, but Gladius steps in with underwriting support, flexible coverage terms, and access to a strong carrier. Whether your client is launching a new venture or has prior claims, Gladius can often find a solution. You might have a client who specializes in residential foundation repairs for older homes in California or a commercial contractor starting a new structural restoration division in Texas—this program can help you place that business with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?Concrete contractors performing foundation repairs, general contractors, construction managers, and restoration specialists are ideal fits. New ventures and accounts with claims history are also considered. Is prior insurance required for eligibility?No, accounts with no prior coverage can be accepted, subject to underwriting. What is the minimum premium for this program?Minimum premiums start at $2,000. If prior work coverage is deleted with loss runs, the minimum may increase to $3,000. In which states is this program available?This program is available in AZ, CA, CT, FL, ID, IL, ND, NV, NJ, OH, OR, PA, TX, UT, and WA. What are some common ineligible risks?Condo construction, process piping, blasting, landfill work, airport or bridge construction, and swimming pool or fire suppression contractors are not eligible. Need help placing an account? Connect with a market specialist.

... electricians, tile setters, deck pavers, interior remodelers and similar trad...ry, electricians, tile setters, deck pavers and interior remodelers with a min...

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Parking Lot/Driveway Insurance program to help agents place difficult-to-insure accounts across the western U.S. The program can provide Property and Liability coverage on a monoline or package basis and is designed for businesses that perform parking lot, driveway, and sidewalk services. It is ideal for contractors engaged in cleaning, sweeping, paving, seal coating, striping, snow removal (incidental), and pressure or water cleaning—operations with routine exposure to high-traffic areas and surface-maintenance risks. Ideal Accounts and Appetite This program is best suited for small to mid-sized contractors and maintenance companies specializing in: Parking lot and driveway cleaning or sweeping Paving and repaving services Seal coating and line striping Incidental snow removal (not heavy or prolonged snow operations) Pressure washing or water cleaning of sidewalks and lots Underwriters prefer accounts with documented safety practices and stable loss histories. Operations that perform structural work, have frequent prior claims, or conduct heavy snow-removal on a regular basis often fall outside the program’s appetite. Coverage Highlights and Advantages Property Coverage Includes: Basic, Broad, or Special Form options Building, Contents, and Business Income Contractor’s Equipment and Inland Marine Computer Equipment and Equipment Breakdown Accounts Receivable and Valuable Papers Outside Signs Replacement Cost or Actual Cash Value valuations Commercial General Liability Features: Primary limits up to $3,000,000 occurrence/aggregate Medical Payments – $5,000 included Umbrella/Excess available up to $25,000,000 (subject to underwriting) Additional Insured endorsements available for $100 each Minimum deductible of $500 Crime Coverage Options: Inside premises — theft of money and securities Inside premises — robbery or safe burglary of property Outside premises coverage Underwriting Notes and Minimum Premiums Colonial General works with a mix of admitted and non-admitted carriers depending on state and account specifics. A $500 deductible is standard; final pricing will depend on the scope of operations, payroll, revenue, equipment values, and loss history. Clean, well-documented submissions with clear safety programs and loss-control measures receive the best consideration. Territories and Availability This program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General leverages regional underwriting relationships across the western U.S. to place accounts in both admitted and excess & surplus markets where appropriate. Why Work With Colonial General As a Managing General Agency and Excess & Surplus Lines broker, Colonial General provides agents streamlined access to competitive markets and underwriting expertise for niche contracting risks. Their Parking Lot/Driveway Insurance program pairs flexible coverage options with regional market knowledge—helpful whether you’re placing a new paving startup or an established lot-maintenance contractor. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for contractors involved in parking lot or driveway cleaning, sweeping, paving, seal coating, striping, and incidental snow removal or pressure washing. Are both property and liability coverages available?Yes, Colonial General offers both Property and Commercial General Liability coverage on a monoline or package basis, depending on the needs of the insured. What states is this program available in?The program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Can I get Excess or Umbrella limits through this program?Yes, Excess or Umbrella limits are available up to $25,000,000 subject to underwriting approval. Does the program include coverage for contractor's equipment?Yes, Contractor’s Equipment coverage is available under the Property section of the policy. Need help placing an account? Connect with a market specialist.

... metal trades Concrete workers, pavers, carpentry, drywall Iron & stee...

Working with concrete presents a unique set of challenges and exposures, making Workers Compensation coverage essential for protecting both your clients and their employees. From slips and falls to flying debris and equipment-related injuries, concrete contractors face high-risk environments that demand specialized insurance solutions. Novatae Risk Group offers the Concrete Contractors Workers Compensation Insurance Program through Empire Underwriters, tailored specifically for the risks faced by concrete contractors. Whether your client is a new venture or a distressed account with prior issues, this program is designed to help you place tough risks with confidence. Ideal Accounts and Appetite: Experience MOD of 1.30 or greater High-hazard operations and tough-to-place classes Blue, gray, and white collar accounts Businesses in state pools or funds Distressed, lapsed, cancelled, or non-renewed policies No prior coverage or new ventures welcome Multi-state operations—our specialty Hard-to-place Workers Compensation risks If you're working with a client who has struggled to find coverage due to loss history or operational complexity, this program is built to provide flexible underwriting solutions. Coverage Highlights and Advantages: Fast turnaround on quotes and submissions Access to numerous "A" rated carriers Standalone Workers Compensation coverage Guaranteed cost, dividend, and retro plan options High deductible programs available Custom account handling for tailored service Integrated Workers Comp solutions to streamline coverage This program is designed for agents who need flexible and responsive underwriting support for complex or unusual concrete contractor accounts. Underwriting Requirements and Minimum Premium: Completed ACORD 130 application 3–4 years of loss runs Details on any large losses Supplemental questionnaire Minimum premium starts at $10,000. Submission requirements help us assess and respond to your accounts quickly and accurately. Available States: This program is available in most states, including but not limited to: AL, AZ, CA, FL, GA, IL, NC, NJ, NY, PA, TX, and many others. Multi-state exposures are welcomed and a particular area of expertise. Why Work With Novatae Risk Group? As a leading Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group brings deep market access and specialized underwriting capabilities to the table. We understand the unique needs of construction-focused insureds and provide brokers with dependable support, fast turnaround, and flexible solutions—even for high-hazard or distressed accounts. You can rely on our experienced team to help you navigate tough Workers Comp placements and win new business in competitive markets. Please contact us at 800-758-8113 to speak to our experienced brokers about your Concrete Contractors Workers Compensation Insurance accounts. Do you need a Concrete Contractors Workers Compensation Insurance Quote? 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 designed for concrete contractors with high-hazard operations, MODs of 1.30 or greater, multi-state exposures, or distressed histories such as lapsed or cancelled policies. Can you place new ventures or accounts with no prior coverage?Yes, new ventures and accounts with no prior Workers Compensation history are eligible and welcome under this program. What documents are required to submit an account?Submissions should include a completed ACORD 130, 3–4 years of loss runs, a supplemental questionnaire, and details on any large losses. Are multi-state operations accepted?Yes, multi-state exposures are one of our specialties. We can provide coverage solutions across a wide range of jurisdictions. What is the minimum premium for this Workers Comp program?The minimum premium for eligible accounts starts at $10,000, depending on the risk profile and state. 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.

Can an employee sue their employer for an injury sustained on the job? Are all job related injuries covered under a Workers Compensation policy? As an employer can they tell their employee not to file a claim? There are many ins and outs when it comes to Workers Compensation and can be very complex. It can get frustrating trying to get a policy that will provide the comprehensive coverage needed to protect the employer and employees so it seems easier to avoid it all together. Unfortunately, it can’t be avoided; Workers Compensation is a state mandated requirement for most businesses, so if a business is booming and growing with employees, there is no avoiding coverage. We have partnered with carriers providing Workers Compensation to many types of insureds. These markets are designed to help agents and their clients manage, reduce and control the costs of insurance. Product Highlights: • New Ventures • Multi-State locations • Small and Large Accounts • Higher Mods Considered • All States • Flexible Product and Pricing Approach • Quick Turnaround • A- Rated Carriers • Competitive Markets Target Classes Include: • Restaurants • Artisan Contractors • Janitorial – Building Management • Professional Services Industry • Day Care Centers • Beauty Shops • Machine Shops • Wholesale and Retail Trade • Home Healthcare • Auto Service and Repair/Car Dealers • Hotel and Motels • Landscaping • Manufacturers • Communities and Utilities • Construction/Excavators • Specialty Trade Contractors • Masonry and Concrete Work • Truckers and Transportation (in limited states) Submission Requirements: • Accord 130 Application • 3 Years Loss Runs • Historical Premium • Experience Mod Worksheet • Broad Description of Operations We understand the complexity and knowledge needed for this coverage and our team of experts can provide the service to agents and their clients for Workers Compensation needs. Please contact us today!