As an excavation contractor, your clients encounter significant jobsite hazards every time they break ground. From back strains and soft-tissue injuries to severe accidents involving heavy equipment, the exposures are real—and so is the need for dependable Workers Compensation. Novatae Risk Group, working with Empire’s specialized contractors team, offers a focused Excavation Workers Compensation Insurance Program to help you place this challenging class of business.
This program is underwritten specifically for excavation and similar high-hazard operations. Whether a client is a start-up, has a history of large losses, or has been declined elsewhere, our underwriting team will evaluate submissions and craft appropriate solutions. We place business with many "A"-rated carriers and access both admitted and non-admitted markets depending on state and risk profile.
Contact us at 800-758-8113 to speak with our brokers about Excavation Workers Compensation accounts.
Ideal Accounts and Appetite:
- Experience MODs of 1.30 or greater
- High-hazard or hard-to-place classifications (excavation, trenching, site prep)
- Blue, gray, and white collar job types on the same payrolls
- Accounts currently in state pools or assigned risk funds
- Distressed, lapsed, or non-renewed accounts
- New ventures with no prior coverage
- Multi-state operations — we have market expertise here
- Other hard-to-place Workers Compensation risks
Example fits: a regional excavation contractor with a recent large loss seeking a stable market solution; or a multi-state site-preparation firm moving out of a state fund and needing coordinated coverage across jurisdictions.
Coverage Highlights and Advantages:
- Fast turnaround on quotes and binding for time-sensitive accounts
- Access to numerous "A"-rated carriers across admitted and E&S markets
- Standalone Workers Compensation placements tailored to operations
- Guaranteed cost, dividend, and retrospective (retro) plans available
- High-deductible and alternative cost-control options
- Integrated claim handling and custom program servicing
Underwriting Requirements:
- Completed ACORD 130 application
- 3–4 years of loss runs
- Details on any large or open losses
- Supplemental questionnaire when applicable
Minimum Premium and Availability:
Minimum premium for the program starts at $10,000. We underwrite accounts in most states — including, but not limited to, CA, FL, TX, NY, and PA — and can place business nationwide depending on carrier appetite and the risk profile.
Why Work with Novatae Risk Group?
Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines Broker with deep experience placing tough Workers Compensation risks. We understand the underwriting and operational challenges brokers face when placing excavation accounts. With broad market access, flexible underwriting, and responsive service, we help you protect clients while keeping accounts competitive.
Need an Excavation Workers Compensation quote?
Email [email protected] with 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?
The program fits excavation contractors with elevated MODs, prior large losses, new ventures, multi-state operations, or those who have been lapsed or non-renewed. It’s built for high-hazard and hard-to-place exposures.
Can you help with clients in the state risk pool?
Yes. We frequently move accounts out of state pools and into tailored Workers Compensation solutions using competitive admitted and non-admitted markets.
What information do you need to get a quote?
Provide a completed ACORD 130, 3–4 years of loss runs, details on any large or open losses, and a supplemental questionnaire if requested.
Is the program available nationwide?
Yes — the program is available in most states, including CA, TX, FL, and NY. We can write in all 50 states and DC depending on carrier availability and the specific risk details.
Do you work with new ventures that have no prior coverage?
Absolutely. We have markets that will consider start-ups in the excavation and site-work trades.
Need help placing an account? Connect with a market specialist.