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Novatae Risk Group specializes in Wrap-Up programs designed for project-specific General Insurance needs. A Wrap-Up consolidates coverage normally plac...control reports. Including a proposed wrap administration plan and confirmatio...

...l Liability Project-Specific & Wrap Policies Terms up to ...esidential general liability policies Wrap up policies Project specific polici...

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.

Novatae Risk Group offers a robust Builders Risk and Course of Construction Insurance program tailored to contractors, developers, and owner/builders on residential and commercial projects. Supported by top-rated markets including Zurich, Beazley, and Certain Underwriters at Lloyd’s of London, the program delivers flexible policy structures and high per-risk capacity for technically complex and large-scale builds. Program Highlights: Backed by carriers rated “A” (X or higher) by A.M. Best Capacity up to $100MM+ per risk Available in most U.S. states Admitted and non-admitted options One-shot coverage and policy extensions available Ideal Accounts and Appetite: This program suits ground-up construction and major renovations across a broad range of classes. Appetite varies by carrier and state but commonly includes: Residential — single-family through multi-unit dwellings Commercial buildings Educational facilities Retail and office developments Lodging and hospitality projects Healthcare and recreational facilities Infrastructure and road construction Military-related projects Example fits: you might place a client building a new healthcare clinic, or insuring a major renovation of a retail strip center where values and project complexity exceed standard carrier appetite. Coverage Advantages: Optional extensions for existing buildings undergoing renovation or additions All protection classes (1–10) considered for dwellings (1–4 family units) Superior construction capacity up to $100M+ Wood-frame capacity up to $50M+ Optional coastal, flood, and earthquake capacity where carriers allow Underwriting Guidelines: Novatae’s underwriting team handles a wide range of construction types and timelines. Coverage is available for new construction, remodeling, and renovations. Standard policy terms are up to 12 months; extensions can be reviewed and endorsed as needed. Minimum premium begins at $350 plus applicable taxes and fees. Final terms depend on project size, location, construction type, and carrier appetite. Ineligible Risks Include: Projects using unique or non-standard materials (e.g., large fabric or earthen structures) Construction started more than 60 days before policy inception Renovations where the existing structure’s value exceeds twice the value of the new work Mobile home construction Projects with expected terms longer than 12 months Buildings currently under repair for prior damage at the same location Insureds with recent bankruptcies or prior cancellations for underwriting/payment issues Submission Requirements: Completed 125 Commercial Insurance Application Completed Builders Risk Application Territories and Availability: The program is available in most U.S. 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. Admitted and non-admitted placements are available depending on the state and chosen carrier. Why Work With Novatae Risk Group? As a Managing General Underwriter and Excess & Surplus Lines broker, Novatae Risk Group combines deep construction underwriting expertise with broad market access. We provide tailored solutions for challenging construction exposures, responsive underwriting, and placement options with financially strong carriers. That makes us a practical partner when you need flexible terms, high capacity, or coverage for technically complex builds. Do you need a Builders Risk / Course of Construction Insurance Quote? 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 accounts are a good fit for this program?This program is ideal for agents with clients involved in residential, commercial, educational, healthcare, hospitality, or infrastructure construction projects, including both new builds and major renovations. Are both admitted and non-admitted options available?Yes. Depending on the state and carrier selection, Novatae offers both admitted and non-admitted Builders Risk policies to provide placement flexibility. What’s the minimum premium for this program?The minimum premium starts at $350, plus applicable taxes and fees. Final pricing is based on project size, location, and specific risk factors. Can I submit a risk that has already started construction?Construction must not have started more than 60 days before the policy inception date to be eligible for coverage. What documentation is required to submit a quote?Submissions should include a completed 125 Commercial Insurance Application and a Builders Risk Application. Need help placing an account? Connect with a market specialist.

...ers Available in most states Wrap Up - CCIPs (Contractor-Controlled Insu... competitive pricing is available for wrap-up and CCIP placements. Need help...

Novatae Risk Group offers a comprehensive solution for agents and brokers seeking solid markets for small to mid-sized contractors. Through its Contractor General Liability & Property Insurance Package – AXV, Novatae provides access to a streamlined program designed to protect your contractor clients from a wide range of property and liability exposures—while helping them save time and money. This program, backed by an A.M. Best Rated AXV carrier, enables you to quote, bind, and issue new accounts in-house on the same day. That fast turnaround allows you to respond quickly to your clients’ needs, providing efficient service and improving retention. Ideal Contractor Classes This program targets a wide range of artisan and general contractors. Some of the top classes include: Appliance Installation Carpentry Concrete & Asphalt Developer - Builder Dirt Work Drywallers Electricians Excavation Contractors General Contractors HVAC Technicians Landscapers Metal Erectors Masonry Painters Paving Contractors Pipeline Contractors Plumbers Pool Contractors Road & Bridge Contractors Roofing Contractors Septic Tank Cleaners Sewer Contractors Sheet Metal Workers Sign Erectors Whether your client runs a small HVAC company or is a general contractor managing multiple subs, this program can address their liability and property needs in one simplified package. Coverage Highlights Same-day quote, bind, and issue capability General Liability Limits: $1,000,000 / $2,000,000 (ISO Form, standalone or package) Excess Liability available up to $5,000,000 In-house Property authority up to $1.5M per location Property values up to $25M considered with quick submission and approval turnaround Property coverage includes: Building, Business Personal Property, Contractors Equipment, Business Income, and Extra Expense. Available extensions: Outdoor Signs, Lock Replacement, Fire Extinguishing System Expense, Sewer Backup, Employee Dishonesty, Money & Securities, Food Spoilage, Forgery and Alteration. Program Features Carrier rated A-XV by A.M. Best Admitted and non-admitted options available $500 minimum premium $500 minimum deductible ISO-based General Liability coverage Submission Requirements ACORD 125 and 126 for General Liability Applicable ACORD forms for Property and Equipment Three years of loss runs Program-specific supplemental application Available States 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. Why Work with Novatae Risk Group? Novatae Risk Group is a trusted wholesale broker with access to top-rated carriers and underwriting expertise across a wide range of contractor classes. Their in-house authority and ability to issue same-day quotes and policies make them an excellent partner for agents looking to place contractor business quickly and efficiently. You might have a client who’s a residential remodeler or a commercial roofer needing fast coverage for a new project. Novatae can help you deliver the right protection with speed and confidence. Call 800-758-8113 to speak with an experienced broker today. Frequently Asked Questions What types of contractor businesses are eligible for this program?This program targets a wide range of contractors, including general contractors, electricians, plumbers, HVAC techs, landscapers, roofers, and more. What are the general liability limits offered?The program offers standard CGL limits of $1 million per occurrence and $2 million aggregate, with excess limits available up to $5 million. How quickly can policies be quoted and bound?Novatae has in-house authority to quote, bind, and issue policies on the same day for qualifying accounts. What property coverages are included?Property coverage can include buildings, business personal property, contractors equipment, business income, and extra expense, with optional extensions available. Is this program available in all states?No, but it is available in most states including CA, TX, FL, GA, IL, and others. Contact Novatae for state-specific eligibility. Need help placing an account? Connect with a market specialist.

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.

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