Working with concrete presents a unique set of challenges and exposures, making Workers Compensation coverage essential for protecting both your clients and their employees. From slips and falls to flying debris and equipment-related injuries, concrete contractors face high-risk environments that demand specialized insurance solutions.
Novatae Risk Group offers the Concrete Contractors Workers Compensation Insurance Program through Empire Underwriters, tailored specifically for the risks faced by concrete contractors. Whether your client is a new venture or a distressed account with prior issues, this program is designed to help you place tough risks with confidence.
Ideal Accounts and Appetite:
- Experience MOD of 1.30 or greater
- High-hazard operations and tough-to-place classes
- Blue, gray, and white collar accounts
- Businesses in state pools or funds
- Distressed, lapsed, cancelled, or non-renewed policies
- No prior coverage or new ventures welcome
- Multi-state operations—our specialty
- Hard-to-place Workers Compensation risks
If you're working with a client who has struggled to find coverage due to loss history or operational complexity, this program is built to provide flexible underwriting solutions.
Coverage Highlights and Advantages:
- Fast turnaround on quotes and submissions
- Access to numerous "A" rated carriers
- Standalone Workers Compensation coverage
- Guaranteed cost, dividend, and retro plan options
- High deductible programs available
- Custom account handling for tailored service
- Integrated Workers Comp solutions to streamline coverage
This program is designed for agents who need flexible and responsive underwriting support for complex or unusual concrete contractor accounts.
Underwriting Requirements and Minimum Premium:
- Completed ACORD 130 application
- 3–4 years of loss runs
- Details on any large losses
- Supplemental questionnaire
Minimum premium starts at $10,000. Submission requirements help us assess and respond to your accounts quickly and accurately.
Available States:
This program is available in most states, including but not limited to: AL, AZ, CA, FL, GA, IL, NC, NJ, NY, PA, TX, and many others. Multi-state exposures are welcomed and a particular area of expertise.
Why Work With Novatae Risk Group?
As a leading Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group brings deep market access and specialized underwriting capabilities to the table. We understand the unique needs of construction-focused insureds and provide brokers with dependable support, fast turnaround, and flexible solutions—even for high-hazard or distressed accounts.
You can rely on our experienced team to help you navigate tough Workers Comp placements and win new business in competitive markets.
Please contact us at 800-758-8113 to speak to our experienced brokers about your Concrete Contractors Workers Compensation Insurance accounts.
Do you need a Concrete Contractors Workers Compensation Insurance 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
What types of accounts are a good fit for this program?
This program is designed for concrete contractors with high-hazard operations, MODs of 1.30 or greater, multi-state exposures, or distressed histories such as lapsed or cancelled policies.
Can you place new ventures or accounts with no prior coverage?
Yes, new ventures and accounts with no prior Workers Compensation history are eligible and welcome under this program.
What documents are required to submit an account?
Submissions should include a completed ACORD 130, 3–4 years of loss runs, a supplemental questionnaire, and details on any large losses.
Are multi-state operations accepted?
Yes, multi-state exposures are one of our specialties. We can provide coverage solutions across a wide range of jurisdictions.
What is the minimum premium for this Workers Comp program?
The minimum premium for eligible accounts starts at $10,000, depending on the risk profile and state.
Need help placing an account? Connect with a market specialist.