Search CompleteMarkets

...n of frequency and severity makes Workers Compensation essential for protectin...What is the minimum premium for this Workers Comp program?The program’s minimu...

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.

... metal trades Concrete workers, pavers, carpentry, drywall Iron & stee...t the usual underwriting package for Workers' Compensation: current payroll breakdown by c...

USG Insurance Services, Inc. is a national wholesaler and managing general agent (MGA) with 18 offices across the country and the ability to write in all 50 states. Built from the ground up by some of the top executives in insurance, USG continues to expand operations nationwide while providing innovative solutions for the risk management industry. The USG team consists of experts divided not by territory, account size, or coverage who can help meet all commercial insurance account needs. We are problem solvers for all commercial lines coverages and specialize in hard-to-place risks, providing our agents with focused expertise and solutions. In 2016, USG is celebrating 15 years in business and continues to outpace industry growth metrics with a state-of-the-art Service Center, Marketing Department, and IT Department. We have also branched out into several specialty divisions, including AAU: Allied American Underwriters, Brokers Financial Services, BFS Inspections, Into Innovations, and Aureate. Our forward-thinking technology continues to evolve through our proprietary system, I3x, that expedites quote process and policy service; and through the launch of a new online and phone quoting system, INS LINK, that will streamline small transactional accounts and bring in additional opportunities nationally. USG's corporate office is located in Tampa, Florida; and our flagship office is located in Canonsburg, Pennsylvania. Garage : Dealers and Non-Dealers Garage Liability Garage Keepers Legal Liability Dealers/Non-Dealers Parking Garages/Lots Towing Repair/Service Stations Valet Services Dealers Open Lot