Working with concrete carries distinct hazards — from slips, falls, and heavy equipment incidents to exposure to flying debris and repetitive-strain injuries. That combination of frequency and severity makes Workers Compensation essential for protecting your clients’ employees and the financial stability of their businesses.
Novatae Risk Group offers the Concrete Contractors Workers Compensation Insurance Program through Empire Underwriters. The program is underwritten for concrete contractors and related high-hazard trades, and is structured to help brokers place difficult or unusual accounts confidently — including new ventures, multi-state operations, and distressed or hard-to-place risks.
Ideal Accounts and Appetite:
- Experience MOD of 1.30 or greater
- High-hazard operations and tough-to-place classes
- Blue, gray, and white collar labor mixes
- Businesses participating in state pools or assigned risk funds
- Distressed, lapsed, cancelled, or non-renewed policies
- No prior coverage or new ventures are welcome
- Multi-state operations — a specialty area
- Complex or hard-to-place Workers Compensation risks
If you represent a concrete contractor who has struggled to obtain coverage because of loss history, multi-state exposure, or operational complexity, this program is designed to provide underwriting flexibility and market access.
Coverage Highlights and Advantages:
- Fast turnaround on quotes and submissions to help you meet deadlines
- Access to a panel of "A" rated carriers (varies by state)
- Standalone Workers Compensation placement — no bundled products required
- Multiple plan options: guaranteed cost, dividend, and retro programs
- High-deductible programs available to manage premium cost
- Custom account handling and tailored service for complex placements
- Integrated Workers Comp solutions to streamline quoting and binding
These features are intended to give agents tools to place higher-risk concrete contractors while offering flexible program design to meet insureds’ operational needs.
Underwriting Requirements and Minimum Premium:
- Completed ACORD 130 application
- 3–4 years of loss runs
- Details on any large or catastrophic losses
- Supplemental questionnaire specific to operations and exposures
Minimum premium starts at $10,000. Providing complete loss histories and the supplemental questionnaire up front helps Novatae Risk Group assess difficult accounts more quickly and produce competitive responses.
Available States and Market Positioning:
This program is offered in most states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, and WI. Novatae places business across admitted and non-admitted markets; carrier availability varies by state.
Why Work With Novatae Risk Group?
As a managing general underwriter and Excess & Surplus Lines broker, Novatae Risk Group combines deep construction sector expertise with broad market access. Agents benefit from responsive underwriting, tailored program structures, and specialty placement capabilities for complex or challenged Workers Compensation risks.
Novatae’s team focuses on practical solutions that help agents bind business quickly while addressing the specific exposures of concrete contractors — from field crews and finishers to multi-state contractors with diverse payroll mixes.
Contact us at 800-758-8113 to speak with a broker about placing your Concrete Contractors Workers Compensation accounts.
Need a Concrete Contractors Workers Compensation Insurance Quote?
Send an email to [email protected] with your submission materials or call 800-758-8113 to speak with an underwriter immediately.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Concrete contractors with high-hazard operations, elevated Experience MODs (around 1.30+), multi-state payrolls, or a history of lapses, cancellations, or difficult loss experience.
Can you place new ventures or accounts with no prior coverage?
Yes. New ventures and accounts without prior Workers Compensation history are eligible and considered by the program.
What documents are required to submit an account?
Provide a completed ACORD 130, 3–4 years of loss runs, the supplemental questionnaire, and details on any large losses to accelerate underwriting review.
Are multi-state operations accepted?
Yes. Multi-state exposures are a specialty for Novatae — the program handles payroll spread across multiple jurisdictions and will match accounts to appropriate carriers by state.
What is the minimum premium for this Workers Comp program?
The program’s minimum premium starts at $10,000, though final pricing depends on the account profile and state(s) of exposure.
Need help placing an account? Connect with a market specialist.