California contractors face unique challenges when securing quality Workers Compensation Insurance, especially when dealing with high-risk classes or new ventures. Novatae Risk Group offers a tailored solution through our A Rated California Contractors Workers Comp Insurance Program, designed specifically to help independent insurance agents like you place and retain more contractor business in California.
This program is backed by an A Rated Admitted Carrier and is available exclusively in California. Whether your client is a seasoned contractor or a new venture, we provide competitive options for a wide range of industries and risk classes. Our experienced team understands the nuances of contractor exposures and is ready to help you find the right fit for your accounts.
Ideal Accounts and Appetite
This program is ideal for agents looking to place Workers Comp for both standard and tough-to-place California contractors. We have an appetite for:
- New ventures with clean operations
- Contractors with prior loss history (with explanations)
- Hard-to-place classes such as roofing, concrete, and excavation
- Accounts needing standalone Workers Comp policies
You might have a client who just launched a drywall installation company or a plumbing contractor expanding operations. We can help you place these accounts competitively and efficiently.
Coverage Highlights and Advantages
- "A" Rated by A.M. Best
- Admitted carrier in California
- Standalone Workers Compensation policies
- New ventures accepted
- Monthly self-reporting options
- Up to 10% commission for agents
- Flexible underwriting for tough classes
Underwriting Requirements
To submit a risk for consideration, please include the following:
- Completed Acord 130
- 3–4 years of loss runs
- No lapses in coverage
- Details on any large losses
- California Contractors Workers Comp Supplemental Questionnaire
Sampling of Eligible Classes
- 0042 Landscaping
- 5027/5028 Masonry
- 5107 Door or Window Installation
- 5140/5190 Electricians
- 5186 Sprinkler Installation
- 5187 Plumbing
- 5201/5205 Concrete Construction
- 5348 Tile Installation
- 5446/5447 Drywall Installation
- 5474/5482 Painters and Waterproofing
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- 5484/5485 Interior Plastering
- 5506/5507 Street or Road Construction
- 5538/5542 Sheet Metal
- 5645/5697 Carpentry
- 6218/6220 Excavation
- 6307/6308 Sewer Construction
- 9008 Janitorial
- 9009 Building Operations
- 9015 Building Maintenance
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Territory and Program Availability
This program is available exclusively in California and is written through an Admitted, A Rated Carrier. Minimum premium varies by class and risk profile.
Why Work With Novatae Risk Group?
Novatae Risk Group is a trusted Managing General Underwriter and Excess & Surplus Lines Broker with deep expertise in the construction sector. We provide responsive service, flexible underwriting, and access to competitive carriers—so you can close more business and retain your contractor clients. Our team is ready to help you navigate complex submissions and deliver reliable Workers Comp solutions that fit your insured’s needs.
Need a Quote?
Send your submission to [email protected] or call an underwriter directly at 800-758-8113.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for California-based contractors, including new ventures and those in higher-risk trades such as concrete, drywall, excavation, and plumbing.
Can I submit risks with loss history?
Yes, accounts with prior losses can be considered, but you must include detailed explanations and loss run reports.
Is this a good option for new ventures?
Absolutely. New ventures are eligible under this program, provided they meet underwriting criteria and have no lapses in coverage.
What documents are required to submit a risk?
You’ll need a completed Acord 130, 3–4 years of loss runs, a supplemental questionnaire, and details on any large losses.
What commission structure is offered to agents?
This program offers competitive commissions, with up to 10% available based on the account and carrier terms.
Need help placing an account? Connect with a market specialist.