Non-Standard Workers Comp Insurance

Do you have clients with hard-to-place Workers Compensation risks or accounts being forced into the state fund? Novatae Risk Group offers a specialized Non-Standard Workers Comp Insurance program through Empire Underwriters, tailored for businesses that don’t qualify for traditional markets. This program is designed for operations with high-risk classifications, adverse loss histories, lapses in coverage, or other underwriting challenges.

With over 30 years of experience, our team understands the nuances of difficult classes and distressed accounts. Whether your client’s policy was non-renewed, canceled, or they’re looking to exit the assigned risk pool, we can help you deliver an alternative solution. Our brokers are ready to assess your submissions and provide flexible, competitive options backed by strong carrier relationships.

Call us today at 800-758-8113 to discuss your Non-Standard Workers Comp accounts with an experienced broker.

Program Highlights:

• Pay-As-You-Go Workers Comp – ideal for cash flow management
• No premium deposit required
• No premium audits
• HR support services – including COBRA, garnishments, and unemployment claim assistance
• Comprehensive payroll services – tax remittance, W-2s, 941s, and more
• Risk management and loss control services
• Aggressive, fair claims management
• Client flexibility – PEO, ASO/Non-PEO, and in-house check cutting options
• High-retention product – continuous coverage until canceled

Ideal Accounts and Target Classes:

This program is designed for businesses that fall outside the standard market appetite due to operational risk, loss history, or other underwriting challenges. We specialize in tough classes, including but not limited to:

Eligibility Guidelines:

• Accounts urgently seeking to exit the state fund or assigned risk pool
• Non-renewed or canceled accounts with X-Mods between 1.3 and 3.0
• Accounts with prior losses or heavy claims activity
• Risks with lapse in coverage or no prior coverage
• Accounts with governing class codes and manual rates between $8–$50 and a high X-Mod

All accounts must meet at least one of the above criteria to be eligible for our PEO division. Accounts already receiving standard market quotes or simply “shopping around” are not eligible.

Submission Requirements:

• Completed Acord 130
• Class-specific supplemental (available on our webpage)
• Three years of loss history
• Loss affidavit (if lapse in coverage or no prior coverage)
• Explanation of any claim over $20,000
• Experience mod sheet

Need a Non-Standard Workers Comp Quote?

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

Territories and Carrier Access

Novatae Risk Group offers this program in all 50 states and the District of Columbia. Carrier availability and program structure may vary by state. We leverage access to multiple markets to provide flexible, competitive options for tough-to-place risks.

Why Work With Novatae Risk Group?

As a leading Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group brings deep underwriting experience in complex and distressed Workers Compensation accounts. Our team works closely with agents and brokers nationwide to solve placement challenges and deliver tailored solutions that meet your client’s needs. Put our knowledge and market access to work for you.