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Commercial businesses face a broad range of property and liability exposures, and finding a cost-effective, comprehensive solution can be difficult. Novatae Risk Group offers a tailored Commercial BOP/GL and Property Insurance Package for small- to mid-sized businesses across many industries. Through Novatae’s partnership with Empire, you get fast turnaround, flexible underwriting, and in-house authority so you can place business and serve your clients more efficiently. This program bundles General Liability and Property coverages into one streamlined package. With competitive pricing and a $500 minimum premium, you can quote, bind, and issue policies in-house—helping you deliver a faster response without sacrificing coverage strength. Ideal Accounts and Appetite Novatae’s package fits a wide range of commercial risks. Typical classes we place include: Retail stores and shopping centers Restaurants, bars, and bed & breakfasts Apartments, condominiums, and office buildings Funeral homes and health clubs Mobile home parks, museums, and mini-golf facilities Vacant land and properties requiring flexible solutions Artisan contractors are also a strong fit—HVAC technicians, plumbers, drywallers, roofers, appliance installers, and similar trades. The program works particularly well for mixed-exposure risks, for example a small hotel with onsite dining or a contractor that needs coverage for tools and equipment. Example scenarios you can place quickly: One-location restaurant needing GL, property, and limited business income coverage with same-day bind. Three-unit apartment building with building coverage and GL for onsite management, within in-house property authority limits. Coverage Highlights and Advantages 4-hour indications/quotes for eligible submissions Same-day bind and policy issuance on qualified risks $1,000,000 / $2,000,000 General Liability limits with ISO GL forms Excess liability available up to $5,000,000 In-house property authority up to $5,000,000 per location Ability to submit higher property values up to $25,000,000 with fast approval turnaround Broad class code acceptance across commercial sectors Written on admitted and non-admitted paper with A–XV rated carriers Property and Inland Marine: Basic and Broad Form options are available. Coverages include buildings, contents, business income, contractor’s equipment, and tools—with equipment sub-limits up to $250,000 for owned, leased, or rented property. Key extensions and sub-limits include: $25,000 blanket limit for Fire Extinguishing System Expenses Lock replacement, outdoor signs, landscaping, and tenant move-back expenses Sub-limits for sewer/drain backup, employee dishonesty, forgery, money & securities, and spoilage Underwriting Requirements and Minimum Premiums Completed ACORD 125 and 126 for General Liability Property and equipment ACORDs as applicable Supplemental application required for most accounts Minimum premium starts at $500 with a minimum deductible of $500. Novatae’s underwriting is structured to be fast and flexible, making it straightforward to place both standard and non-standard risks when they meet program guidelines. Territories and Availability This program is available in most states, including: AL, AK, AZ, CA, CO, CT, FL, GA, IL, KY, LA, MN, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, WV, and WI. Coverage can be written on admitted or non-admitted paper depending on the state and risk profile, using A–XV rated carriers. Why Work With Novatae Risk Group? Novatae is a wholesale broker with deep market access and in-house authority designed to help agents close commercial business faster. Their strengths for this program include responsive service, competitive pricing, broad class appetite, and the ability to issue policies quickly—helpful when your client needs immediate proof of coverage. Call 800-758-8113 to speak with a broker about your next Commercial BOP/GL and Property submission. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized commercial accounts, including retail stores, restaurants, apartments, artisan contractors, and mixed-use properties. How quickly can I get a quote or bind coverage?Novatae can provide indications or quotes within 4 hours and offers same-day binding and policy issuance on qualified accounts. What property limits are available under this program?In-house authority is available for property values up to $5 million per location, with submissions accepted for values up to $25 million. Are both admitted and non-admitted markets available?Yes, the program uses both admitted and non-admitted A-XV rated carriers, depending on the state and risk profile. What states is this program available in?This program is available in most states, including CA, TX, FL, NJ, IL, GA, and more. Contact Novatae for specifics by state. Need help placing an account? Connect with a market specialist.

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California contractors face unique challenges when securing quality Workers Compensation Insurance, especially when dealing with high-risk classes or new ventures. Novatae Risk Group offers a tailored solution through our A Rated California Contractors Workers Comp Insurance Program, designed specifically to help independent insurance agents like you place and retain more contractor business in California. This program is backed by an A Rated Admitted Carrier and is available exclusively in California. Whether your client is a seasoned contractor or a new venture, we provide competitive options for a wide range of industries and risk classes. Our experienced team understands the nuances of contractor exposures and is ready to help you find the right fit for your accounts. Ideal Accounts and Appetite This program is ideal for agents looking to place Workers Comp for both standard and tough-to-place California contractors. We have an appetite for: New ventures with clean operations Contractors with prior loss history (with explanations) Hard-to-place classes such as roofing, concrete, and excavation Accounts needing standalone Workers Comp policies You might have a client who just launched a drywall installation company or a plumbing contractor expanding operations. We can help you place these accounts competitively and efficiently. Coverage Highlights and Advantages "A" Rated by A.M. Best Admitted carrier in California Standalone Workers Compensation policies New ventures accepted Monthly self-reporting options Up to 10% commission for agents Flexible underwriting for tough classes Underwriting Requirements To submit a risk for consideration, please include the following: Completed Acord 130 3–4 years of loss runs No lapses in coverage Details on any large losses California Contractors Workers Comp Supplemental Questionnaire Sampling of Eligible Classes 0042 Landscaping 5027/5028 Masonry 5107 Door or Window Installation 5140/5190 Electricians 5186 Sprinkler Installation 5187 Plumbing 5201/5205 Concrete Construction 5348 Tile Installation 5446/5447 Drywall Installation 5474/5482 Painters and Waterproofing 5484/5485 Interior Plastering 5506/5507 Street or Road Construction 5538/5542 Sheet Metal 5645/5697 Carpentry 6218/6220 Excavation 6307/6308 Sewer Construction 9008 Janitorial 9009 Building Operations 9015 Building Maintenance Territory and Program Availability This program is available exclusively in California and is written through an Admitted, A Rated Carrier. Minimum premium varies by class and risk profile. Why Work With Novatae Risk Group? Novatae Risk Group is a trusted Managing General Underwriter and Excess & Surplus Lines Broker with deep expertise in the construction sector. We provide responsive service, flexible underwriting, and access to competitive carriers—so you can close more business and retain your contractor clients. Our team is ready to help you navigate complex submissions and deliver reliable Workers Comp solutions that fit your insured’s needs. Need a Quote? Send your submission to [email protected] or call an underwriter directly at 800-758-8113. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for California-based contractors, including new ventures and those in higher-risk trades such as concrete, drywall, excavation, and plumbing. Can I submit risks with loss history?Yes, accounts with prior losses can be considered, but you must include detailed explanations and loss run reports. Is this a good option for new ventures?Absolutely. New ventures are eligible under this program, provided they meet underwriting criteria and have no lapses in coverage. What documents are required to submit a risk?You’ll need a completed Acord 130, 3–4 years of loss runs, a supplemental questionnaire, and details on any large losses. What commission structure is offered to agents?This program offers competitive commissions, with up to 10% available based on the account and carrier terms. Need help placing an account? Connect with a market specialist.

Novatae Risk Group offers a flexible Commercial and Personal Property Insurance Coverage program designed for agents who need capacity and solution-oriented underwriting for difficult or non-standard property risks. The program provides admitted and non-admitted placement options, broad perils capacity, and specialized wind, flood and earthquake solutions — including difference-in-conditions (DIC) and stand-alone coverages — for a wide range of commercial and personal-line properties. Program Features: Commercial & Personal Lines Properties Low (or no) Wind Deductibles Wind Deductible Buy-Back Program Monoline Wind Coverage DIC (Difference in Conditions) Earthquake Accepted Risks: Tough Risks Prior Claims History Lapse in Coverage High-profile personality owned Commission: Up To 12.5% Featured Carrier: Our Specialties: Condominium Associations Apartment Buildings Hotels & Motels Retail Stores Restaurants Vacant Properties Builder's Risk and Course of Construction Appetite: COVERAGE: Limits = $7,000,000 limit of loss with access to higher limits. (Primary, Excess, and full valued limits) “ALL RISKS” excluding flood and earthquake, D.I.C., including stand-alone flood and earthquake Stand-alone Windstorm and Hail All occupancies considered, no restrictions COVERAGE: FLOOD only — Limits up to $10,000,000; all zones considered (all occupancies considered, no restrictions). Areas of Success: Older structures Non-sprinklered risks More hazardous occupancies Medium to high brush exposure Protection codes 4–6 or higher Risks with short quote timeframes Risks with prior shock losses Flood A&V, CBRA & non-participating zones Submission Requirements: Complete Statement of Values (SOV) Form (Acord 139) - Download the Acord 139 SOV Underwriting Notes and Minimum Premiums: Novatae Risk Group underwrites through a mix of admitted and non-admitted capacity, including A–XV rated carriers. The program accommodates complex exposures and prior losses, but thorough submissions speed placement: include a completed SOV (Acord 139), current loss runs, photos when available, and details on protective systems and occupancy. Minimum premium expectations apply; the program typically requires at least $500 premium per policy. Territories and Availability: This program is available in most states and specifically written in: AL, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, NJ, NC, PA, SC, TX and VA. Placement can be done admitted or non-admitted depending on the risk and carrier appetite. Why Work With Novatae Risk Group: As a wholesale broker, Novatae Risk Group specializes in property placements that need flexibility and market access. Use this program when you need: Wind options with low or no deductibles and buy-back programs; DIC capacity and standalone earthquake or flood limits beyond standard market appetite; Solutions for older buildings, non-sprinklered assets, or accounts with prior losses or lapses; Access to admitted paper where available and non-admitted capacity for higher limits or specialized terms. Example scenarios: You might have a downtown apartment owner with an older, non-sprinklered building and prior water claims who needs broader perils and tailored deductibles; or a condominium association seeking DIC coverage and high flood limits in a challenging zone. These are the types of accounts this program is structured to place. Frequently Asked Questions What types of accounts are a good fit for this program?Accounts with challenging characteristics — older structures, non-sprinklered buildings, prior losses, vacant properties, or high brush exposure — and commercial or personal-line properties such as condos, apartments, hotels, retail and restaurants. Can I place flood or earthquake-only coverage?Yes. The program offers stand-alone flood and earthquake options and DIC solutions; flood limits are available up to the program maximums (flood limits may vary by zone and underwriting). Is this available admitted or non-admitted?Novatae Risk Group places business using both admitted and non-admitted carriers, including A–XV rated markets. Placement depends on the risk profile, limits required, and state availability. What are the submission must-haves to get a quote?Provide a completed Statement of Values (Acord 139), current loss runs, occupancy and protection details, and any photos or construction information. Complete submissions accelerate underwriting and binding. What is the minimum premium?The program typically requires a minimum premium (commonly around $500), but final minimums depend on the carrier and the state of placement. Need help placing an account? Connect with a market specialist.

Owning and operating a flooring contracting business means juggling schedules, crews, materials and client expectations — and managing the liability that comes with on-site work. Novatae Risk Group offers access to a General Liability Insurance program built specifically for the exposures common to flooring installers. The product was designed by Empire Underwriters to address both residential and commercial installation risks; use this program when your clients need package-level general liability protections with flexible endorsements for construction-related projects. Please contact us at 800-758-8113 to speak to our experienced brokers about your General Liability Insurance for Flooring Installers accounts. Overview This program targets small- to medium-size flooring contractors and installers. Coverage options include common construction endorsements and contract-related enhancements that agents frequently need when placing subcontractors or prime contractors on renovation and new-build projects. Ideal Accounts and Appetite Best fit: independent flooring contractors with annual payrolls under $1,000,000. The program has a clear focus on installers and contractors engaged in: Residential and commercial flooring installation Wood and engineered flooring Carpet, laminate and tile installation New construction (including single-family homes) and repair/remodel projects Typical accounts that will present well include single-trade subcontractors working on residential remodels and small commercial tenants performing tenant build-outs. Accounts with complex operations (significant design/build, heavy equipment rental, or multi-trade contractor operations) may require referral. Coverage Highlights and Advantages Blanket Additional Insured endorsements to satisfy contract requirements Waiver of Subrogation and Primary & Non-Contributory wording available Per-project aggregate limits for construction projects Subsidence and prior projects coverage offered with limitations Available through admitted and non-admitted carriers up to A-XV ratings Underwriting Notes and Minimums Submission should include ACORD applications, a currently valued 3–5 year loss run, and the program supplemental application. Project-specific pollution exposures require completion of the pollution/project-specific application. Minimum premium: $1,500. Territories and Availability Admitted status: Most Available States. This program is available through Novatae Risk Group 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. Carriers include admitted and non-admitted markets up to A-XV ratings depending on the risk and state requirements. How to Submit Send complete submissions with ACORD applications, supplemental application, and 3–5 years of valued loss runs. For project work with pollution exposure, include the pollution/project-specific form. Underwriters review on a case-by-case basis and will advise on endorsements and limit options. Why Place Flooring Installer Business with Novatae Risk Group As a wholesale broker, Novatae Risk Group provides access to a specialized General Liability program tailored for flooring contractors, with both admitted and non-admitted placement options. The program’s contracting endorsements and per-project aggregate capability make it easier for agents to meet common GC and owner contractual demands without multiple referrals. Example scenarios where this program fits: You have a small flooring subcontractor hired for residential remodels with tidy loss history and payroll under $500k — this program can provide blanket additional insured and primary/non-contributory wording to satisfy the GC. A regional installer doing mixed residential and light commercial work on tenant improvements needs per-project aggregate limits and waiver of subrogation — the program offers those endorsements with underwriting consideration. Do you need a General Liability Insurance quote for your Flooring Installer Account? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Frequently Asked Questions What types of flooring installer accounts are a good fit for this program?Small to mid-size single-trade flooring contractors with payrolls generally under $1,000,000. Typical fits include residential remodelers, new single-family home installers, and small commercial tenant improvement installers with standard installation operations. Which endorsements commonly requested by GCs are available?The program can provide Blanket Additional Insured, Waiver of Subrogation, Primary & Non-Contributory wording, and Per Project Aggregate endorsements subject to underwriting and state availability. What submission materials are required to get a quote?Include completed ACORD applications, the program supplemental application, and currently valued loss runs for the last 3–5 years. If the project includes potential pollution exposures, attach the pollution/project-specific application. Are placements admitted or non-admitted?Novatae Risk Group can place this program in most available states through admitted and non-admitted carriers up to A-XV ratings, depending on the state and the specific risk profile. Need help placing an account? Connect with a market specialist.

Artisan contractors face a unique set of liability exposures depending on their trade, project type, and stage of construction. Novatae Risk Group offers a flexible and comprehensive General Liability Insurance program tailored specifically for small to mid-sized artisan and specialty trade contractors. Whether your client is involved in new residential builds, commercial tenant improvements, or remodeling projects, we provide access to markets that understand their risk profile. Through our partner Empire, we offer General Liability coverage for over 200 contractor classes. This broad appetite allows you to place a wide range of accounts with confidence. Our solutions are designed to meet the real-world needs of independent contractors and help you deliver competitive, customizable coverage options to your clients. Call us at 800-758-8113 to speak with a broker who understands Artisan Contractors General Liability placements. Overview of the Program: This program is built for artisan and specialty trade contractors working on residential and commercial construction projects. It includes accounts involved in new construction, remodeling, tenant improvements, and new single-family home development. We work with both admitted and non-admitted carriers rated up to A-XV, and offer coverage in most states with a minimum premium starting at $1,500. Ideal Accounts and Market Focus: We focus on artisan contractors with less than $1 million in annual payroll. Eligible accounts include: New residential or commercial construction (up to 3 stories) Remodeling and repairs for residential or commercial structures Contractors with 75%+ of their operations in approved class codes Example accounts that fit well include a residential remodeler focused on kitchen and bath upgrades or a small HVAC installer expanding into light commercial work. Restricted/Ineligible Operations: New construction of condominiums, condo conversions, and townhouses (some exceptions apply) Projects involving structures over 3 stories (some exceptions apply) High-hazard exposures such as process piping, blasting, tunneling, or public utilities Coverage Highlights: Blanket Additional Insured endorsements Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate limits Limited coverage for Subsidence and Prior Projects Submission Requirements: Completed ACORD applications 3–5 years of currently valued loss runs Program-specific supplemental application Pollution supplement for applicable project types Sampling of Eligible Contractor Classes: General Contractor (New Residential) Remodel Contractor (Residential & Commercial) Air Conditioning System Installation Carpentry (Framing & Interior) Concrete (Flat) Electrical Drywall Fencing Garage Door Installation Excavation Handyman Services HVAC Janitorial Landscape Contractors Masonry Metal Erection (Decorative/Structural) Painting (Interior & Exterior) Plumbing (Residential & Commercial) Roofing (New & Repair) Septic Tank Services Siding and Decking Street/Road Paving Swimming Pool Installation & Cleaning Tile and Marble Installation Tree Trimming Welding Need a quote for Artisan Contractors General Liability Insurance? Email your submission to [email protected] or call 813-448-9300 to speak with an underwriter today. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized artisan contractors with under $1 million in annual payroll, including trades like HVAC, electrical, drywall, and residential remodelers. Are new residential construction projects eligible?Yes, new construction for single-family homes and low-rise commercial buildings (up to 3 stories) is eligible, provided the contractor falls within approved class codes. What are some common ineligible risks?We typically exclude new condominium construction, projects over 3 stories, and high-hazard operations like blasting, tunneling, and work on public utilities. What documentation is required for a submission?We require ACORD forms, 3–5 years of loss runs, a supplemental application, and a pollution supplement if applicable to the project type. In which states is this program available?The program is available in most states, including AL, CA, FL, TX, GA, NC, PA, and others. Contact us to confirm availability in your client’s location. Need help placing an account? Connect with a market specialist.

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