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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...

Novatae Risk Group offers a flexible, competitively priced Commercial Insurance Package Program – AXV designed to help agents and brokers place a wide range of small- to mid-sized commercial accounts. The program combines Commercial Property and ISO General Liability into a streamlined package covering more than 200 class codes, with in-house underwriting for faster turnaround. With full in-house quoting, binding, and issuance capability, Novatae can provide same-day service on qualified submissions. Backed by an A.M. Best rated AXV carrier, the program is available on both admitted and non-admitted paper in most states, giving you flexibility to meet clients’ needs. Whether the account is a single retail location or a small multi-location service business, this program delivers reliable coverage and responsive service. Please contact us at 800-758-8113 to speak with our brokers about placing Commercial Insurance Package accounts. Program Highlights: SAME DAY QUOTE, BIND & ISSUE! $1,000,000 / $2,000,000 CGL limits – ISO form, standalone or package* Excess liability up to $5,000,000 available In-house authority for property coverage up to $1,500,000 total value per location Property values up to $25,000,000 – submit for fast approval *Property coverage options include Building, Business Personal Property, Contractors Equipment, Business Income, and Extra Expense. Program Features: A.M. Best rated AXV carrier $500 minimum premium $500 minimum deductible ISO form General Liability Target Accounts: Apartments Office buildings Bed & breakfasts Health clubs Plant nurseries Restaurants Upholsterers Retail stores Hardware distributors Gas stations Mini-golf facilities Appliance distributors Gun clubs Video stores Barber / beauty shops Home improvement services RV parks Funeral homes Health & sports clubs Theatres Taxidermists Auto parts distributors Hotels / motels Museums Open-air parking lots Printers Warehouses Vacant land & property Target Contractor Classes: Ideal artisan contractors include sewer contractors, roofers, sign erectors, painters, drywallers, plumbers, septic tank cleaners, HVAC installers, appliance installers, and metal erectors. Property: Both basic and broad form coverage are available. Optional extensions: Outdoor signs, lock replacement, fire extinguishing system expense, sewer backup, employee dishonesty, money & securities, food spoilage, and forgery/alteration. Submission Requirements: Acord 125 and 126 for General Liability Applicable Acords for Property/Equipment Three years of loss runs Completed supplemental application 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, NY, NC, PA, SC, TN, TX, UT, VA, WV, and WI. Both admitted and non-admitted options are accessible depending on the state and risk profile. Why Work With Novatae Risk Group? As a wholesale broker, Novatae provides efficient access to quality commercial package markets and dedicated in-house underwriting authority. Our strengths include quick turnarounds, broad class code appetite, and strong carrier relationships that help you place accounts other markets may decline. We focus on practical, service-forward solutions so you can get bindable terms faster and move on to the next submission. Example scenarios that fit well: A local restaurant with a moderate liquor exposure seeking a $1M/$2M GL limit and business income coverage for a single location. A chain of three retail stores needing a packaged property and liability program with in-house binding and a quick effective date. Frequently Asked Questions What types of accounts are a good fit for this program?This program works well for small- to mid-sized commercial clients such as restaurants, retail stores, health clubs, artisan contractors, and hospitality businesses like hotels and RV parks. Can I get a quote, bind, and issue coverage on the same day?Yes. For qualifying submissions, Novatae can quote, bind, and issue coverage in-house on the same day. What are the property coverage limits available?Novatae has in-house authority up to $1.5 million per location, with fast approval available for property values up to $25 million. Is the program available on admitted paper?Yes. The program is offered on both admitted and non-admitted paper, depending on the state and the risk profile. What are the submission requirements?Provide Acord 125 and 126 for GL, applicable Acords for property/equipment, three years of loss runs, and the completed supplemental 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...

... underwriting justification. Large wrap-up projects should be submitted for re...

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.

...lders Shops that install vehicle wraps (requires proper installer training) ...alternative fuel services, or vehicle wraps. Colonial General can advise on an...

...lders Shops that install vehicle wraps (requires proper installer training) ...alternative fuel services, or vehicle wraps. Colonial General can advise on an...