https://completemarkets.com/company/novatae/distributors-and-manufacturers-general-liability/
Program Highlights:
Novatae Risk Group offers a General Liability insurance program specifically designed for manufacturers and distributors of building materials and construction-related products. Whether your client manufactures or distributes products used in residential or commercial construction, this program provides tailored coverage to help protect against third-party claims arising from their operations, products, or premises.
Contractor licensing is not a requirement to qualify, making this program accessible to a broad range of eligible businesses. With flexible underwriting and access to multiple carriers, Novatae can help you secure competitive terms for your clients in this niche space.
Eligible Classes Include:
Appliance Distributors and Manufacturers
Building Material Distributors
Door and Window Manufacturers
Electrical Equipment Distributors and Manufacturers
Heating and Air Conditioning Equipment
Locksmiths
Lumberyards
Manufacturers
Metal Goods Dealers
Paint Manufacturers
Plumbing Suppliers
Wood Products Manufacturers
And Many More . . . .
Coverage Highlights and Advantages:
This program provides General Liability coverage designed to address the risk exposures common to manufacturers and distributors in the building materials sector. Coverage includes premises liability, products and completed operations, and can help protect against bodily injury or property damage claims related to the insured’s products or day-to-day operations.
The program can accommodate a wide range of operations, from small family-run distributors to regional manufacturers supplying specialty construction components.
Underwriting Notes and Minimum Premiums:
Minimum premiums vary depending on the class of business, size of operation, and risk characteristics. Novatae works with a variety of carriers to provide flexible solutions tailored to each submission. Submissions with clear product descriptions, safety protocols, and loss history will be reviewed promptly.
Territories and Availability:
This program is currently available in California, Nevada, and Texas. Most placements will be on a non-admitted basis, depending on the carrier and risk profile. Novatae’s team is well-versed in navigating E&S markets and helping you find competitive options for your hard-to-place or niche clients.
Why Work With Novatae Risk Group:
As a leading Managing General Underwriter and Excess & Surplus Lines Broker, Novatae brings deep expertise in niche markets and specialty industries. Their team understands the unique liability exposures faced by manufacturers and distributors and offers responsive service, underwriting insight, and access to a broad network of carriers. Whether you're placing a straightforward account or a more complex risk, Novatae is a reliable partner for your wholesale insurance needs.
You might have a client who manufactures HVAC components for residential construction, or a distributor that supplies electrical fixtures to contractors across Texas—both would be strong candidates for this program.
Frequently Asked Questions
What types of accounts are a good fit for this program?This program is ideal for manufacturers and distributors of building materials and construction-related products, including HVAC equipment, plumbing supplies, electrical components, and wood or metal goods.
Is a contractor’s license required to qualify for this program?No, contractor licensing is not required. The program is focused on product manufacturers and distributors, not contractors performing on-site construction work.
In which states is this program available?The program is currently available in California, Nevada, and Texas.
What is the minimum premium for this program?Minimum premiums vary based on the class of business and risk profile. Contact Novatae for specific underwriting guidelines.
What carriers does Novatae work with for this program?Novatae partners with a variety of carriers. Carrier selection depends on the risk characteristics and state availability.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/environmentalunderwritingsolutions/manufacturesdistributors-insurance/
Manufacturers and Distributors Insurance Program from Environmental Underwriting Solutions
Environmental Underwriting Solutions offers a wholesale insurance program designed for manufacturers, blenders, re-packagers, and distributors who handle environmentally sensitive or regulated products. The program blends Commercial General Liability (CGL) with Environmental Impairment Liability (EIL) and Products Pollution coverage to address the pollution and environmental exposures common to these operations.
Whether a client manufactures industrial chemicals, paints and coatings, oilfield products, solvents, or water treatment chemicals, this program provides broad, pollution-focused protection. With flexible underwriting and access to multiple carriers, Environmental Underwriting Solutions helps brokers place complex environmental accounts that can be difficult to bind in standard markets.
Ideal Accounts and Target Classes
This program is a fit for a wide range of commercial operations, including:
Manufacturers and blenders of industrial or specialty chemicals
Re-packagers and contract packagers of hazardous or regulated materials
Distributors and wholesalers of chemicals, paints, solvents, and cleaners
Oilfield and energy-related product suppliers
Water treatment chemical suppliers
Manufacturers and distributors of environmental remediation equipment
If your client stores, repackages, or transports chemicals—or otherwise has an accidental-pollution exposure—this program is designed to address those risks.
Coverage Highlights and Program Features
Key coverages and options include:
Commercial General Liability (CGL) with optional Products Pollution coverage
Claims-made Environmental Impairment Liability (EIL), with facility-level customization
Emergency response cost coverage for pollution incidents that require immediate action
Transit Pollution Liability for goods in transport
Optional Non-Owned Disposal Site coverage
Per-location and per-project general aggregate limits
Coverage for both new and pre-existing pollution conditions on scheduled properties
Additional Pollution Legal Liability (PLL) for exposures tied to products, contracting, or transportation of goods and waste
Primary liability forms may include broad form named insured and additional insured status; no premium audit provision on certain programs
Excess liability layers are available and can be tailored to include or exclude pollution, auto, and employers’ liability components as required.
Underwriting Notes and Minimum Premiums
This program is distributed on a wholesale basis with a minimum premium starting at $5,000. Competitive submissions typically include complete operational details, current loss history, site controls, safety programs, and information on storage/transport practices. Environmental Underwriting Solutions can accommodate a range of risk profiles, but accounts with strong loss control measures and clear documentation will receive the most favorable terms.
Example scenarios that commonly place well:
A regional distributor that repackages industrial cleaners and maintains centralized, secondary-contained storage with modern spill controls.
A small manufacturer of specialty coatings that ships product nationwide, needs transit pollution coverage, and has documented environmental management procedures.
Territories and Availability
The Manufacturers/Distributors program is available in most states, including:
AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, 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, WY
Coverage is typically placed on a non-admitted basis, although admitted options may be available in select states depending on carrier appetite.
Why Work With Environmental Underwriting Solutions?
As a wholesale broker specializing in environmental risk, Environmental Underwriting Solutions focuses on placing accounts with pollution and product-related exposures that standard carriers may decline or limit. Their strengths include:
Deep niche expertise in environmental and pollution liability
Access to multiple carriers and flexible program structures
Responsive underwriting and the ability to tailor limits and endorsements by facility or project
Experience placing accounts involving transit, disposal-site exposures, and product pollution
You’ll find this program helpful when your client’s operations require specialized pollution wording, emergency response provisions, or coverage for pre-existing conditions on scheduled properties.
Contact us for more information on our Manufacturers/Distributors program!
Frequently Asked Questions
What types of accounts are a good fit for this program?This program is ideal for manufacturers, blenders, re-packagers, and distributors of chemicals, paints, solvents, coatings, remediation equipment, and similar industrial products.
Does this program include pollution liability coverage?Yes, the program includes Environmental Impairment Liability (EIL), Products Pollution, and options for Transit Pollution and Non-Owned Disposal Site coverage.
What is the minimum premium for this program?The minimum premium starts at $5,000. Submissions with detailed risk information and strong controls may qualify for the most competitive terms.
Is coverage available in all states?Coverage is available in most U.S. states, including CA, TX, FL, NY, and others. Availability can vary by risk class and carrier appetite.
What documentation is needed to submit an account?Underwriters typically request operational details, loss history, facility information, storage/transport practices, and safety protocols to evaluate and quote the account.
Need help placing an account? Connect with a market specialist.