Non-Standard Worker Comp Insurance for Demolition Contractors

From single-family homes to large commercial structures and critical infrastructure, demolition contractors perform inherently high-risk work that requires specialized insurance solutions. Whether your client is clearing sites for new construction, removing hazardous materials, or assisting with disaster recovery, these operations create exposures many standard markets will not accept. Novatae Risk Group provides access to tailored Workers' Compensation for demolition contractors who are difficult to place in the standard market.

Through our Non-Standard Worker Comp Insurance for Demolition Contractors program, Novatae combines flexible placement options, pragmatic underwriting, and proactive claims and loss-control support. We focus on accounts that fall outside traditional carrier appetites—offering practical, market-aware solutions built from decades of experience serving the construction trades.

Ideal Accounts and Appetite

• Demolition contractors with high-risk operations, difficult class codes, or multi-trade exposures
• Accounts with Experience Mods (X-Mods) between 1.30 and 3.00
• Producers needing alternatives for clients non-renewed or cancelled for loss history or exposure
• Businesses in state-assigned risk pools or declined by standard markets
• Insureds with no prior coverage, recent lapses, or adverse underwriting histories
• Operations with manual rates roughly in the $8–$50+ range and other complex risk profiles

Example: You might have a demolition contractor recently dropped by a standard carrier after a surge in claims, or a new multi-state startup with no loss history. Those are the types of accounts Novatae underwrites through this program.

Program Features and Advantages

• Pay-As-You-Go premium structure with no premium deposit required
• No audits—streamlined administration reduces administrative burden
• Improved cash flow and predictable billing options for insureds
• Full payroll services including tax remittance, 941s, W-2s, and payroll compliance support
• Optional in-house payroll check cutting
• Flexible placement via PEO, ASO, or non-PEO solutions depending on account needs
• Comprehensive HR services: COBRA, wage garnishment, and unemployment claims handling
• Dedicated loss control, active risk management consulting, and fair claims handling
• High-retention program—coverage stays in force until cancelled

Underwriting Notes and Minimum Premiums

We underwrite each account to identify the most appropriate market and placement structure. Minimum premiums vary by state and by carrier; underwriting will reflect the insured’s class codes, payroll, loss history and exposure profile. Typical submission requirements follow.

Submission Requirements

• ACORD 130 application
• Supplemental form describing class of work (available on our website)
• Three years of loss history (loss runs)
• Loss History Affidavit for accounts with no prior coverage or a lapse
• Explanation for any claim over $20,000
• Current Experience Mod sheet

Not a Fit for This Program

• Accounts readily eligible for the standard market
• Policyholders shopping only for lower rates without a true placement need
• Low X-Mod accounts with strong loss histories that standard carriers will accept
• Risks that do not match the eligibility criteria above

Markets and Availability

This non-standard Workers' Compensation program is available in most U.S. states. It is not available in North Dakota, Ohio, Washington, or Wyoming. Market access and minimum premiums vary by state and by carrier selection; Novatae leverages a broad panel of admitted and E&S carriers to place eligible accounts.

Why Work With Novatae Risk Group?

As a Managing General Underwriter and Excess & Surplus Lines broker with more than 30 years of experience, Novatae Risk Group specializes in tough-to-place contractors’ Workers' Compensation. Agents gain access to experienced underwriters, multiple placement structures (PEO, ASO, non-PEO), and dedicated service for payroll, HR, loss control, and claims management—helping you keep challenging accounts insured and compliant.

Need a Non-Standard Workers' Comp quote for a demolition contractor?

Send an email to [email protected] with your submission or call 800-758-8113 to speak with an underwriter immediately.