Novatae Risk Group
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Novatae Risk Group
Contact Us
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Hard to Place Workers Compensation Insurance

Workers Compensation Insurance is a mandatory insurance in most states. Workers Compensation normally covers medical costs and a portion of lost wages for an employee who becomes injured or ill on the job.

Like most businesses not every workers compensation policy is the same. Each business has it own set of risks and exposures making it hard to write policies for those with higher x-mods. Empire Underwriters has partnered with an “A” rated carrier to provide Workers Compensation coverage for those businesses that are normally hard to write. Send us your submissions and let us put our experience writing hard to place policies to work for you.

Please contact us at 800-758-8113 to speak to our experienced brokers about your Hard to Place Workers Compensation Insurance accounts.


  • MOD 1.30 or Greater
  • High Hazard or Tough Classes
  • Blue, Gray and White Collar Accounts
  • Accounts in State Pools or Funds
  • Distressed Accounts or Lapsed
  • No Prior, Cancelled, Non-Renewed
  • New Ventures ... OK
  • Multi-State Exposure our Specialty
  • Hard To Place Workers Compensation Insurance

Program Features:

  • Quick Turnaround
  • Many "A" Rated Carriers
  • Stand Alone Workers Comp
  • Guaranteed Cost Solutions
  • Integrated Work Comp Solutions
  • Non-PEO Contracts / ASO
  • PEO / Employee Leasing
  • Client Option to Cut Checks in-house
  • Dividend and Retro Plans
  • High Deductible Programs
  • Consent to Rate Specialists
  • Custom Account Handling


  • ACORD 130
  • 3-4 Years Loss Runs
  • Details on Large Losses
  • Supplemental Questionnaire

Sampling of Classes:

  • Agriculture
  • Assisted Living
  • Bridge & Road Construction
  • Carpentry
  • Concrete & Asphalt
  • Dirt Work
  • Elderly Care Facilities
  • Excavation
  • Farms
  • In-Home Care
  • Iron & Steel
  • Line Maintenance
  • Logging
  • Machine Shop
  • Maid Services
  • Manufacturers
  • Masonry
  • Non-Profit Organization
  • Nursing Homes
  • Oil & Gas
  • Paving
  • Pipeline
  • Retail
  • Roofing
  • Sawmills
  • Services
  • Sheet Metal
  • Staffing Companies
  • Tower Erection
  • Trucking & Transportation

Do you need a Hard To Place 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.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Underwriter and Excess & Surplus Lines Broker
  • Admitted:
    All Available Markets
  • Carriers:
  • Carrier Ratings:
    As high as AXV
  • Commission:
    Up To 10%
  • Min Premium:


Request a Quote Now!


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Novatae Risk Group has other insurance programs like “Tough” or Difficult to Place Risks Program.