Owners and operators of HVAC contracting businesses face numerous daily challenges—from managing installation and service schedules to ensuring the safety of their workforce on job sites. As an insurance professional, you understand the importance of providing your clients with coverage that protects them from costly workers compensation claims, workplace injuries, and compliance concerns. Novatae Risk Group offers an HVAC Contractors Workers Compensation Insurance program designed specifically to help you place this critical coverage for your contractor clients.
This program, administered by Empire Underwriters and offered through Novatae Risk Group, is not a one-size-fits-all solution. We understand that each HVAC contracting business has unique exposures depending on the size of the company, the types of buildings they service, and the environments in which their technicians operate. That’s why we take a tailored underwriting approach—working closely with agents to evaluate risk, review operations, and recommend the best options from our markets.
Whether your insured is a small residential HVAC contractor or a mid-sized operation handling commercial and government maintenance contracts, we can help you find a competitive market for their workers compensation needs. You might have a client who recently expanded into multi-unit housing or added new crews and is now struggling to place affordable comp coverage due to higher payroll or past losses—we're here to help.
Program Features:
- Minimum premium starting at $7,500
- Placement through both admitted and non-admitted markets
- Dedicated underwriting support and responsive service
Program Highlights:
- 10% commission for brokers
- 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 losses
Program Availability:
This workers compensation insurance 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, industry knowledge, and a broker-focused service model. Through our partnership with Empire Underwriters, we offer HVAC-specific insight and underwriting expertise that helps you deliver the right coverage for each client. Our team is here to support your workflow with fast quotes, competitive compensation, and hands-on assistance 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 experienced underwriters 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, especially those with field technicians, installation crews, or service teams exposed to physical job site risks.
What is the minimum premium required?
The program requires a minimum premium of $7,500, making it suitable for operations with moderate to higher payrolls or larger crews.
What documents are needed to submit a risk?
We require a completed ACORD 130, three years of loss runs, a supplemental questionnaire, and details on any large losses.
How quickly can I get a quote?
With a complete submission, we aim to 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 others across the South, Midwest, and Northeast.
Need help placing an account? Connect with a market specialist.