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Septic tank contractors face unique liabilit...ogram is ideal for small to mid-size septic tank contractors involved in installatio...

...ofing contractors Septic tank cleaners Sewer contractors ...

...ofing Contractors Septic Tank Cleaners Sewer Contractors ...

...ofing Contractors Septic Tank Cleaners Sewer Contractors ...

..., Painters, Drywallers, Plumbers, Septic Tank Cleaners, HVAC Technicians, Appliance Install...

..., painters, drywallers, plumbers, septic tank cleaners, HVAC installers, appliance installe...

Carpet cleaning companies face unique liability exposures due to the mobile nature of their work. Whether operating in residential homes or commercial properties, these businesses are at constant risk for third-party bodily injury, property damage, and other unforeseen liabilities. A single slip-and-fall incident, chemical mishap, or accidental damage to high-value property can result in substantial claims. Novatae Risk Group, through its partnership with Empire Underwriters, offers a specialized General Liability Insurance program for Carpet Cleaning Services. Designed specifically for small- to mid-sized cleaning contractors, this program helps protect your insureds from the daily risks they encounter on the job—so they can focus on running their business with peace of mind. Ideal Accounts and Program Appetite This program is an excellent fit for: Commercial carpet cleaning companies Residential carpet cleaning businesses Contractors with less than $1,000,000 in annual payroll You might have a client who operates a small fleet of vans servicing office buildings, or a local residential cleaning company expanding into new neighborhoods—this program is built to support them. Coverage Highlights and Advantages Key coverage options available through this program include: Blanket Additional Insured endorsements Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate limits Limited Subsidence coverage Coverage for Prior Projects (with limitations) These features help meet the insurance requirements of property managers, commercial landlords, and other third parties your clients work with regularly. Underwriting Notes and Minimum Premiums To submit a risk, please provide: Completed ACORD applications 3 to 5 years of currently valued loss runs Supplemental application Project-specific pollution application (if applicable) Minimum premium starts at $1,500, making this a competitive option for smaller operations looking for quality protection. Territories and Carrier Access This General Liability 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, WV. Novatae Risk Group offers access to both admitted and non-admitted markets, using carriers rated as high as A-XV. This flexibility allows for customized solutions based on your client’s risk profile and state-specific requirements. Why Work With Novatae Risk Group? As a wholesale brokerage with deep expertise in contractor and service-based risks, Novatae Risk Group helps agents place challenging and niche accounts with confidence. Our experienced brokers understand the exposures of carpet cleaning businesses and work diligently to provide fast, reliable quotes and coverage recommendations. Have a Carpet Cleaning General Liability risk to place? Call us at 800-758-8113 to speak with a knowledgeable broker, or email your application to [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?Small to mid-sized residential and commercial carpet cleaning businesses with less than $1,000,000 in annual payroll are ideal risks for this program. What coverages are included in the program?The program offers General Liability with options such as Blanket Additional Insured, Waiver of Subrogation, Primary and Non-Contributory, and Per Project Aggregate limits. What underwriting information is required to submit a risk?Required submission documents include ACORD applications, 3–5 years of currently valued loss runs, a supplemental application, and a project-specific pollution application if applicable. Is coverage available in my state?The program is available in over 25 states including CA, FL, TX, GA, and IL. Contact us to confirm availability for your specific state. What is the minimum premium for this program?The minimum premium starts at $1,500, making it accessible for smaller carpet cleaning operations. Need help placing an account? Connect with a market specialist.

BindDesk offers a suite of Contractor's General Liability Insurance programs designed for agents who need flexible admitted and non-admitted placement options. These programs are built to handle common small artisan exposures through larger contractor needs, including prior-work exposures, tract work, condo/HOA remodeling, roofing, and hard-to-place classes that benefit from specialized underwriting and alternative markets. Overview of the Program From BindDesk BindDesk is a wholesale broker providing access to multiple targeted contractor liability programs. We place business with admitted carriers, non-admitted markets, and specialty RRGs to give agents options when standard markets decline or price is unfavorable. Each program below reflects specific underwriting appetites and capacity—so you can match clients to the best fit quickly. SMALL ARTISAN PROGRAM This program is aimed at one- to five-person artisan operations that need broad General Liability at competitive pricing. Key features include prior-work coverage, tract work availability for non-structural jobs, and no sub-out limitations in many classes. Ideal for painters, carpenters, tile installers, landscapers, and similar trades. Rated A VII – Non-Admitted. ARTISAN & GENERAL CONTRACTOR PROGRAM Designed for speed and price, this option covers most artisan classes and many general contractors. It offers competitive roofing rates, a sub-limit for uninsured subcontractors, and allows HOA/remodeling work when tied to maintenance or renovations. Good for general contractors who perform mixed small-to-mid size renovation and repair work. Rated A XI – Non-Admitted. BUILDERS PROGRAM An admitted product for builders and developers who need a market that will write tract work, condo projects, BPP and tool coverage, and homeowners’ nominal owner approval (HNOA) features. This program combines admitted paper and competitive pricing for construction exposures that qualify. Admitted A XI. LARGE CONTRACTOR'S PROGRAM For larger contractors with broader limits and more complex exposures. This program supports prior work, tract work for most non-structural classes, and EIFS work when approved. It’s intended for established contractors with documented safety programs and proven loss control. Rated XV – Non-Admitted. GOLDEN Golden is a risk retention group (RRG) that reviews accounts that may not fit standard admitted or non-admitted products. It’s useful for select hard-to-place accounts where alternative capacity is required. B Rated RRG. BENCHMARK Benchmark targets difficult risks that don’t easily fit traditional non-admitted products. It can handle condo work, tract work, and many classes other markets decline—typically at a higher premium but with broader acceptance and flexible terms. Rated A- Admitted. Ideal Accounts and Appetite BindDesk’s contractor programs suit a wide range of accounts: - Small artisan contractors looking for affordable GL with prior-work included. - General contractors and remodelers needing HOA/condo work and roofing capacity. - Builders and developers requiring admitted paper for tract and condo projects. - Larger contractors that need expanded prior-work and EIFS coverage (with approval). - Hard-to-place contractors who need RRG or specialty admitted solutions. Coverage Highlights and Advantages - Prior-work coverage available in multiple programs. - Tract work and condo/HOA remodeling acceptance in admitted and non-admitted forms. - Roofing classes with competitive rates in Artisan & General Contractor program. - Options for tools, business personal property (BPP), and HNOA in Builders product. - Sub-limits that address uninsured subcontractor exposures. - Access to specialty RRG and Benchmark admitted solutions for difficult placements. Underwriting Notes and Minimum Premiums Underwriting reviews focus on class code(s), payroll/receipts, loss history, safety controls, and scope of prior work. Minimum premium varies by program and state—BindDesk will quote minimums per submission. High hazard trades, heavy civil/structural work, or accounts lacking documentation may require referral to specialty underwriters or the RRG product. Territories and Availability Available across the following jurisdictions: AL, AK, AZ, AR, CT, DE, FL, GA, ID, IL, KS, KY, ME, MD, MA, MI, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, RI, SC, SD, TN, TX, UT, VT, WA, DC, WI, WY. BindDesk can place business with admitted and non-admitted carriers depending on the program and state requirements. Why Work With BindDesk As a wholesale broker, BindDesk gives agents access to multiple tailored contractor markets from a single point of contact. Agents benefit from: - Speed and choice: admitted and non-admitted options to get renewals bound or hard placements placed quickly. - Specialized underwriting that understands trade-specific exposures. - Programs designed to retain business you might otherwise lose to non-placement. You might have a client who is an HOA contractor needing prior-work coverage and tract acceptance—BindDesk can evaluate which program (admitted Builders vs. Artisan & General) will produce the best combination of price and terms. Or, for a busy roofing contractor with mixed subcontracting, BindDesk can place with programs that offer roofing rates and uninsured sub limits. Frequently Asked Questions What types of contractor accounts are a good fit for BindDesk’s programs?BindDesk handles a range of contractor accounts—from small artisans (painters, carpenters, landscapers) to larger general contractors and builders. Programs exist for roofing, HOA/condo remodeling, tract work, builders risk adjuncts like tools and BPP, and hard-to-place risks via RRG or Benchmark admitted products. Are these programs admitted or non-admitted, and does that vary by state?BindDesk offers both admitted and non-admitted options. Availability depends on the specific program and state. The Builders and Benchmark products include admitted paper in many jurisdictions, while Artisan and larger contractor programs commonly include non-admitted markets. Submission review will identify the best admitted/non-admitted solution for the state involved. What submission materials does underwriting typically require?Underwriters usually need a current application, loss runs (three to five years preferred), class codes and payroll/receipts, copies of contracts for larger projects, and any safety or risk control documentation. For roofing or EIFS work, additional detail on scope and subcontracting may be requested. How are minimum premiums and binding timelines handled?Minimum premiums vary by program and state. BindDesk will confirm minimums on quote. Binding timelines depend on the program and completeness of the submission; simple artisan accounts can often be quoted quickly, while large or hard-to-place accounts may require additional review and longer underwriting time. Need help placing an account? Connect with a market specialist.