Owners and operators of HVAC contracting businesses face many daily challenges—from coordinating installations and service routes to keeping technicians safe on varied job sites. As an insurance professional, you need markets that understand those exposures and can deliver workers compensation solutions that control cost, maintain compliance, and protect payroll. Novatae Risk Group offers an HVAC Contractors Workers Compensation Insurance program administered by Empire Underwriters to help you place this essential coverage.
This program is not a one-size-fits-all product. Novatae Risk Group uses a tailored underwriting approach, working directly with agents to review operations, identify key exposures, and match risks to the appropriate admitted or surplus lines markets. We consider company size, the types of buildings serviced, payroll mix, loss history, and whether work includes service, installation, maintenance, or construction-related activities.
Whether the account is a small residential shop or a mid-size contractor handling commercial and government maintenance contracts, we can help you find a competitive market. For example, you might have a client who expanded into multi-unit housing or added new crews and is struggling to place affordable coverage due to higher payroll or prior losses—this program is designed to provide options in those situations.
Program Features:
- Minimum premium starting at $7,500
- Placement through both admitted and non-admitted markets
- Dedicated underwriting support and responsive service
Program Highlights:
- Competitive broker compensation
- Fast turnaround on quotes with complete submissions
- Coverage available in over 20 states
- Access to a variety of carriers (varies by risk)
Underwriting Submission Requirements:
- ACORD 130 application
- Three years of currently valued loss runs
- Completed supplemental questionnaire
- Details on any large or open losses
Program Availability:
This workers compensation program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, and WV. We work with both admitted and non-admitted markets to provide flexible solutions depending on your client's needs and location.
Why Work With Novatae Risk Group?
As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group brings deep market access and specialty underwriting knowledge for HVAC contractors. Our partnership with Empire Underwriters gives you HVAC-specific insight and a broker-focused service model: fast quotes, practical underwriting guidance, and hands-on support from submission through binding.
Need a Workers Compensation quote for your HVAC contractor client?
Send your submission to [email protected] or call 800-758-8113 to speak with our underwriting team today.
Frequently Asked Questions
What types of HVAC businesses are a good fit for this program?
This program is ideal for residential, commercial, or mixed HVAC contractors—particularly those with field technicians, installation crews, or service teams regularly exposed to job-site hazards.
What is the minimum premium required?
The program requires a minimum premium of $7,500, so it is best suited for operations with moderate to higher payrolls or larger crews.
What documents are needed to submit a risk?
Provide a completed ACORD 130, three years of currently valued loss runs, the supplemental questionnaire, and details on any large or open losses.
How quickly can I get a quote?
With a complete submission, we typically turn around quotes quickly—often within a few business days.
In which states is this program available?
Coverage is available in over 20 states, including CA, FL, TX, NY, and other states across the South, Midwest, and Northeast.
Need help placing an account? Connect with a market specialist.