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As a sheet metal contractor, your clients face a...his program?This program is ideal for sheet metal contractors with high MODs, ...

Sheet Metal Contractors face a broad range ...or this program?Small to medium-sized sheet metal contractors with under $1,00...

```html Metal erection contractors face a range of liability exposures due to the nature of their work—operating heavy machinery, transporting expensive equipment, and working with structural steel at varying heights and job sites. These operations create potential risks including third-party bodily injury, property damage, theft of materials, and job site accidents. To help agents place this class of business confidently, Novatae Risk Group offers a comprehensive General Liability Insurance program tailored specifically for Metal Erection Contractors. Empire Underwriters, a division of Novatae Risk Group, has partnered with an “A” rated carrier to deliver responsive and reliable general liability solutions. Backed by over 30 years of construction industry experience, our team understands the unique exposures that come with metal, steel, and iron erection—making us a trusted partner for agents seeking customized coverage and quality underwriting support. Program Overview: This program is designed for small to mid-sized metal erection contractors with annual payrolls under $1,000,000. We focus on helping agents serve clients involved in architectural and ornamental metal work, decorative metal installations, structural steel erection, and related activities. Target Classes: Architectural and Ornamental Metal Work Decorative Metal Work Metal Erection Contractors Metal Fabrication Steel or Iron Erection Eligible Operations: New residential and commercial construction, including single-family homes Repair and remodeling of residential and commercial structures Ineligible Operations: New construction of condominiums, conversions, or townhouses (some exceptions may apply) Projects involving structures over 3 stories tall (some exceptions may apply) Key Coverage Features: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate limits Subsidence coverage (with limitations) Prior Projects coverage (with limitations) Submission Requirements: Completed ACORD applications 3–5 years of currently valued loss runs Program-specific supplemental application Pollution questionnaire (if applicable) Minimum Premium: $1,500 Carrier Access: Admitted and Non-Admitted markets with A-XV rated carriers Availability: Program available in 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 You might have a client that fabricates and installs decorative iron railings for upscale residential homes or a small steel erection contractor working on single-story commercial builds. These are ideal fits for our program. Contact us today at 800-758-8113 to speak with an experienced underwriter, or email your submissions to [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?Small to mid-sized metal erection contractors with payrolls under $1 million, including those performing architectural, ornamental, and structural metal work. Are residential and commercial projects both eligible?Yes, the program accepts both new construction and remodeling/repair work for residential and commercial properties. What types of projects are excluded from eligibility?New condominium construction, condo conversions, townhouse projects, and buildings over three stories are generally ineligible, though some exceptions may apply. What states is the program available in?The program is available in over 20 states, including CA, TX, FL, GA, IL, and more. Reach out for specific state eligibility. What documents are required to submit a quote?Submissions should include ACORD applications, 3–5 years of loss runs, a supplemental application, and a pollution questionnaire if applicable. Need help placing an account? Connect with a market specialist. ```

Tool manufacturers face distinct workers compensation risks because of the physical nature of production, the use of specialized machinery, and the potential for on-the-job injuries. Novatae Risk Group offers a dedicated Tool Manufacturing Workers Compensation Insurance program built for this sector. Through our underwriting partner Empire Underwriters and more than 30 years of manufacturing underwriting experience, we deliver tailored E&S solutions and responsive service to help you place these accounts. Ideal Accounts and Appetite: This program fits small- to mid-sized tool manufacturers, including tool and die shops, precision CNC and milling operations, metal stamping facilities, and custom tool fabricators. We prefer accounts with clearly defined operations, formal safety programs, and predictable payroll mixes. New ventures may be considered if the owner/operator has relevant experience and documented safety controls. Example: you might have a 25-employee client running CNC machines and stamping presses across multiple states — we can help you secure a competitive workers comp placement with efficient turnaround. Coverage Highlights and Advantages: Workers Compensation coverage tailored to tool manufacturing exposures Non-admitted (E&S) placement options where standard markets are limited Fast quote turnaround with a complete submission 10% commission for appointed agents Available in over 20 states Underwriting Notes and Minimum Premiums: Minimum premium for this program starts at $7,500, which makes it accessible for a wide range of small and mid-sized manufacturers. To obtain a quote, provide a complete submission including: An ACORD 130 application Three years of currently valued loss runs A completed supplemental questionnaire Details on any large or unusual losses Territories and Availability: This non-admitted program is available in more than 20 states, including AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, and WV. For the full list of eligible states or specific state requirements, contact our underwriting team. Why Work With Novatae Risk Group: As a Managing General Underwriter and E&S broker, Novatae Risk Group gives agents access to specialized markets and programs that meet niche manufacturing needs. Our underwriting team has deep experience with manufacturing exposures and provides pragmatic, industry-focused guidance. We partner with brokers to place difficult or non-standard workers comp accounts—offering quick responses and a streamlined placement process. Need a quote for your tool manufacturing client? Send an email to [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?This program is ideal for small- to mid-sized tool manufacturers, including CNC machine shops, metal stamping operations, and tool & die makers that have well-defined operations and documented safety practices. Is this program available for new ventures?New ventures may be considered on a case-by-case basis. Underwriters look for relevant owner/operator experience and evidence of effective safety protocols; a complete submission is required for review. What is the minimum premium for this program?The minimum premium starts at $7,500, which accommodates many smaller manufacturing operations seeking E&S solutions. Which states is this program available in?This non-admitted program is available in over 20 states, including CA, FL, TX, NY, IL, GA and others. Contact underwriting for the full list of eligible states and any state-specific considerations. What submission documents are required to get a quote?Provide an ACORD 130, three years of currently valued loss runs, a completed supplemental questionnaire, and any details about large losses to enable a timely quote. Need help placing an account? Connect with a market specialist.

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Here at Veracity, we have a team that offers a diversified set of specialty insurance products that are traditionally hard to place. The Contract Binding program from Veracity Insurance Solutions, LLC gives agents the ability to quote, bind, and issue policies quickly across a wide range of niche and hard-to-place classes. With access to more than 700 eligible business classes, this program is ideal for agents looking to serve clients with low to moderate exposures in industries that often fall outside the standard market appetite. Ideal Accounts and Appetite This program is structured for general contractors, trade contractors, retail operations, and lessors’ risk exposures. It also supports newly formed entities and other niche businesses that need general liability and property coverage but don’t fit traditional underwriting models. Target classes include but are not limited to: Contractors (general, trade, roofing, plumbing, grading, drywall, masonry, excavation, HVAC, etc.) Lessors’ risk for residential and commercial buildings Residential and commercial dwellings (1–4 family) Retail operations such as grocery stores (excluding large supermarkets) Service industries like janitorial services and landscapers Hospitality accounts including smaller hotels and motels Swimming pool installation, telephone/cable line construction, and more If you’re working with a small residential roofing contractor or a property owner leasing out a four-family dwelling, this program may be a strong fit. It’s designed to handle the exposures of smaller operations that still require comprehensive coverage but may not qualify for standard admitted markets. Coverage Highlights and Advantages The Contract Binding program offers a combination of general liability, inland marine, and property coverages. Additional options are available for aggregate jobsite coverage, giving your clients the flexibility they need to operate with confidence. Policies are issued on a non-admitted basis, allowing for greater underwriting flexibility and faster turnaround. Underwriting Notes and Minimum Premiums Accounts typically fall within the low to moderate hazard range. The program is open to new ventures as well as established businesses. Minimum premium starts at $500, making this a cost-effective solution for many small to mid-sized risks. Territories and Availability This program is available nationwide, excluding only states where non-admitted products are not currently accepted. Eligible states include AL, AZ, AR, CA, CO, CT, DE, FL, GA, 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, and WY. Why Work With Veracity Insurance Solutions? As a trusted Managing General Agency, Veracity Insurance Solutions brings deep expertise in placing specialty and non-standard risks. Our in-house binding authority allows us to quote and issue policies quickly, helping you serve your clients efficiently. Whether you’re placing a contractor with subcontracted work or a lessor’s risk for a small apartment building, our team is ready to support you with responsive service and underwriting know-how. For more information about our Contract Binding program, contact our team today. We’re here to help you find the right coverage for your clients’ needs. Frequently Asked Questions What types of accounts are a good fit for Veracity’s Contract Binding program?This program is ideal for general and trade contractors, lessors' risk, retail operations, and service-based businesses with low to moderate exposures. Is this program available for new ventures or startups?Yes, Veracity accepts new entities and startups, as long as they fall within the target classes and exposure levels. What is the minimum premium for this program?The minimum premium starts at $500, making it accessible for smaller accounts. Are policies written on an admitted or non-admitted basis?All policies in the Contract Binding program are written on a non-admitted basis, allowing for greater flexibility in underwriting. In which states is this program available?The program is available in most states across the U.S., including CA, TX, FL, NY, and many others. Please consult the full list to confirm eligibility. Need help placing an account? Connect with a market specialist.