Standalone California Workers Comp Insurance

Standalone California Workers Comp Insurance Program from Novatae Risk Group

Novatae Risk Group offers a focused Standalone California Workers Comp Insurance program built for contractors and other hard-to-place classes operating in California. Backed by admitted, A-rated carriers and flexible underwriting, this program helps agents and brokers place challenging workers’ compensation accounts that may not fit traditional markets.

Ideal Accounts and Appetite

This program targets a broad set of contractor and labor-intensive classes across California. It’s a strong fit for accounts such as:

• Construction trades — masonry, carpentry, drywall, plumbing, electrical
• Janitorial and building maintenance services
• Excavation, street and road work, and sewer construction
• New ventures with no prior coverage history (provided there are no lapses)
• Businesses with difficult class codes or limited market options due to prior losses

Example scenarios: a new plumbing contractor seeking first-time standalone workers’ comp, or a drywall installer with a few years of loss history that needs an admitted, standalone policy—both are types of accounts Novatae’s program will consider.

Highlights and Features:

• Admitted paper with A-rated carriers
• Standalone Workers Comp — no package required
• New ventures eligible when there are no prior coverage lapses
• Monthly payroll self-reporting option available
• Up to 10% commission potential
• High-risk and tough classes considered

Submission Requirements

To speed underwriting and improve placement chances, include the following with your submission:

• Completed ACORD 130 application
• 3–4 years of currently valued loss runs
• No lapse in coverage (lapses are not acceptable)
• Details on any large or catastrophic losses
• California Contractors Workers Comp Supplemental Questionnaire

Sampling of Eligible Class Codes

Territories and Carrier Info

This workers’ compensation program is available exclusively in California. Novatae partners with admitted, A-rated carriers to provide admitted paper that meets state requirements and offers financial stability for your clients.

Why Partner with Novatae Risk Group?

Novatae Risk Group operates as a Managing General Underwriter and an Excess & Surplus Lines broker with deep experience placing niche and difficult-to-place workers’ comp risks. The team offers responsive underwriting, practical loss-history evaluation, and direct access to underwriters who understand California’s market. That combination helps you secure placement for new ventures, higher-mod accounts, and hard classes that other admitted markets may decline.

Do you need a California Contractors Workers Comp Insurance Program 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

Need help placing an account? Connect with a market specialist.