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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.

```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. ```

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