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Flat concrete contractors face unique liability exposures due to the foundational nature of their work. Poor workmanship, subpar materials, or unforeseen site conditions can result in costly claims—even years after project completion. With Novatae Risk Group’s General Liability Insurance for Flat Concrete Contractors, you can help your construction clients protect their business from potentially devastating risks. Through our relationship with Empire Underwriters, we offer access to a program backed by “A”-rated admitted and non-admitted carriers. This solution is designed specifically for small to mid-sized flat concrete contractors with annual payrolls under $1,000,000. Whether your client specializes in smooth concrete work, decorative finishes, or commercial and residential slabs, this program delivers the protection they need—and the underwriting support you expect. To discuss your Flat Concrete Contractor accounts, call our experienced brokers at 800-758-8113. Overview of the Program: This general liability program focuses on the unique exposures of flat concrete contractors operating in both residential and commercial sectors. It is designed to provide comprehensive risk management and insurance coverage for contractors performing work such as flatwork slabs, decorative concrete, and cleaning services. 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 Work Decorative and Stamped Concrete Concrete Cleaning Services Residential and Commercial Slabs and Footers You might have a client who specializes in residential driveways and patios, or one who subcontracts on small commercial foundation projects. These are great fits for this program. Coverage Highlights: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory Wording Per Project Aggregate Subsidence Coverage (with limitations) Prior Project Coverage (with 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 start at $1,500, depending on state and operation class. 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 offer both admitted and non-admitted options through highly rated carriers (up to A-XV). Why Work With Novatae Risk Group: As a wholesale broker with deep expertise in the construction space, Novatae Risk Group provides responsive service, deep market access, and dedicated underwriting support. Our team understands the liability exposures contractors face and partners with brokers like you to place tough-to-cover risks efficiently and competitively. Need a quote for your flat concrete contractor client? Email your submission to [email protected] or call 800-758-8113 to speak directly with an underwriter. Frequently Asked Questions What types of accounts are a good fit for this program?We focus on small to medium-sized flat concrete contractors with payrolls under $1,000,000. Ideal accounts include residential flatwork specialists, decorative concrete installers, and light commercial slab contractors. What are the minimum premium requirements?The minimum premium for eligible accounts typically starts at $1,500, depending on location and operations. What do I need to submit for a quote?Submit completed ACORD applications, 3–5 years of loss runs, a supplemental application, and a pollution application if applicable. Is coverage available in my state?This program is available in most states, including CA, TX, FL, GA, IL, and others listed above. Contact us to confirm availability. What carrier markets are used for this program?We work with both admitted and non-admitted carriers rated as high as A-XV, depending on the risk profile and state. Need help placing an account? Connect with a market specialist.

General Liability Insurance is a critical coverage for contractors working with Exterior Insulation and Finishing Systems (EIFS), especially given the specialized risks associated with these materials and installations. Novatae Risk Group offers a tailored EIFS General Liability Insurance program designed to meet the unique exposures your contractor clients face in this niche sector of the construction industry. Through our program, administered by Empire, we help agents and brokers secure dependable coverage solutions for EIFS contractors, including those with challenging underwriting profiles. Whether your client is a new venture, has prior or open claims, or has experienced a lapse in coverage, we have the tools and expertise to evaluate the risk and provide competitive options. Ideal Accounts and Appetite: EIFS Contractors specializing in installation, stucco, or plastering Structural and decorative EIFS work Accounts with prior or open claims New ventures and recently formed businesses Previously cancelled or lapsed policies Multi-state operations Contractors carrying CG201185 equivalent endorsements Owner-operator businesses with 2+ employees Accounts with payroll of $40,000 or more Coverage Highlights and Program Advantages: Quick turnaround on submissions Access to multiple carriers—both admitted and non-admitted markets including certain Underwriters at Lloyds of London Flexible underwriting for complex risks Specialized focus on California and multi-state contractor exposures Submission Requirements: Acord 124 & 126 forms 3–4 years of loss runs Explanation of any coverage lapses Details on large or unusual losses Completed supplemental questionnaire Admitted Status and Minimum Premiums: Coverage is available on both admitted and non-admitted paper depending on the risk profile and state. Minimum premiums vary based on underwriting factors, but we work to ensure competitive pricing even for harder-to-place accounts. Territories and Availability: This program is available in a wide range of 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. Why Work With Novatae Risk Group? As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group provides agents and brokers with niche programs designed for difficult or specialized classes. Our EIFS General Liability program reflects our commitment to underwriting expertise, market access, and responsive service. Let us help you deliver tailored solutions to your contractor clients with EIFS exposures. Need a General Liability quote for your EIFS contractor accounts? Send your submissions to [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 EIFS General Liability program?This program is ideal for EIFS contractors involved in installation, stucco, plastering, and decorative or structural EIFS work—especially those with payrolls over $40,000 and at least two employees. Can you consider accounts with prior claims or a lapse in coverage?Yes, our underwriting team is experienced in evaluating accounts with loss history or coverage gaps. We welcome submissions with prior claims, open claims, or recently cancelled policies. Is this program available for new ventures?Yes, new ventures are eligible for consideration. We can help you place startup EIFS contractors operating in approved states with appropriate documentation. Which states is this program available in?We currently offer this program in over 25 states, including CA, FL, TX, NJ, IL, and others. Please refer to our full list or contact us to confirm availability in your client’s state. What carriers are used for this program?We have access to both admitted and non-admitted markets, including certain Underwriters at Lloyds of London, allowing us to match the right carrier to the risk profile. Need help placing an account? Connect with a market specialist.

... electricians, tile setters, deck pavers, interior remodelers and similar trad...submission?Confirm one year of prior workers' compensation with a favorable loss history, ...