As a sheet metal contractor, your clients face a wide range of occupational hazards—from sharp metal edges and heavy machinery to elevated work areas and welding operations. Each specialty within the sheet metal industry presents its own set of risks, making it critical to have a tailored Workers Compensation solution in place. Novatae Risk Group, through its Empire Underwriters division, offers a specialized Workers Compensation Insurance Program designed specifically for sheet metal contractors, addressing both common and complex risk scenarios.
With over 30 years of experience working with sheet metal companies, our team understands the operational challenges and regulatory requirements these businesses face. Whether your client is a new venture or a long-standing operation with a complicated loss history, we have the underwriting expertise and market access to help you place hard-to-fit risks effectively.
Ideal Accounts and Appetite:
- Experience MOD of 1.30 or higher
- High hazard or tough-to-place classes
- Blue, gray, and white-collar operations
- Accounts in state risk pools or assigned risk funds
- Distressed, lapsed, or non-renewed accounts
- No prior coverage—OK
- New ventures welcome
- Multi-state operations and exposures
- Hard-to-place Workers Compensation risks
If you have a sheet metal contractor client recently dropped from a standard carrier or one operating across state lines with inconsistent coverage, this program is built to help you find a reliable solution.
Coverage Highlights and Advantages:
- Fast quote turnaround
- Access to multiple "A" rated carriers
- Stand-alone Workers Compensation policies
- Guaranteed cost programs available
- Integrated Work Comp solutions
- Dividend and retrospective rating plans
- High deductible options
- Customized account handling for complex risks
Underwriting Requirements and Minimum Premium:
- Completed ACORD 130 application
- 3–4 years of loss runs
- Detail on any large losses
- Supplemental questionnaire
Minimum premium starts at $10,000. Submissions with thorough documentation receive faster underwriting and quoting.
Available States:
This program is available nationwide in most states, including but not limited to: CA, FL, TX, NY, IL, PA, GA, and AZ. Multi-state risks are a specialty, and we work across admitted and non-admitted markets depending on the state and account profile.
Why Work With Novatae Risk Group?
Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines Broker with deep expertise in Workers Compensation. Through Empire Underwriters, we deliver custom solutions for tough classes like sheet metal contracting. Our long-standing carrier relationships, underwriting knowledge, and responsive service make us a strong partner for agents and brokers seeking to place difficult or non-standard accounts.
Do you need a Workers Compensation Insurance Quote for Sheet Metal Contractors?
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 sheet metal contractors with high MODs, prior losses, multi-state exposure, or those dropped by standard markets.
Can new ventures with no prior coverage apply?
Yes, new ventures and accounts with no prior Workers Compensation coverage are eligible for consideration.
What documents are required to submit a quote?
You’ll need a completed ACORD 130, 3–4 years of loss runs, details on large losses, and a supplemental questionnaire.
Are multi-state operations acceptable?
Yes, multi-state risks are a specialty of this program, and we can tailor solutions across various jurisdictions.
What is the minimum premium for this program?
The minimum premium typically starts at $10,000, depending on the risk characteristics and state.
Need help placing an account? Connect with a market specialist.