Empire Underwriters, a division of Novatae Risk Group, offers a specialized Workers Compensation Insurance program for Line Maintenance Service contractors. With focused underwriting expertise and access to nationwide markets, Empire helps agents and brokers place hard-to-place or higher-risk accounts in this sector.
Line maintenance work brings a broad mix of physical and operational exposures — working at heights, using power tools, handling equipment, and operating in unpredictable outdoor conditions. This program is structured to address those unique workers compensation risks and to provide flexible solutions for accounts with challenging loss histories or multi-state operations.
Empire works exclusively with licensed agents and brokers to deliver competitive, compliant coverage. Our underwriting relationships with many “A”-rated carriers allow us to offer a range of program structures, including options for accounts with elevated experience mods, prior losses, or unusual exposures.
Ideal Accounts and Appetite
- Experience Mod 1.30 or higher
- High-hazard or tough-to-place classification codes
- Blue-, gray-, and white-collar employee classes
- Accounts in assigned risk pools or state funds
- Distressed, lapsed, canceled, or non-renewed policies
- New ventures and start-ups
- Multi-state operations and mobile workforces
Examples: You might have a small line maintenance contractor starting without prior coverage, or a multi-state crew with prior large losses seeking better placement — both are routinely reviewed and considered.
Coverage Highlights and Advantages
- Stand-alone Workers Compensation solutions
- Guaranteed cost and high-deductible options
- Dividend and retro-rated plans where appropriate
- Integrated claims handling and loss control support
- Custom account handling and responsive underwriting
- Fast turnaround for submissions and renewals
- Access to multiple admitted and non-admitted carriers (varies by state)
Underwriting Notes and Minimum Premiums
- Required: completed ACORD 130 application
- Provide 3–4 years of currently valued loss runs
- Detail any large or frequent losses and corrective measures
- Supplemental questionnaire may be requested for complex operations
Minimum premium starts at $10,000.
Territories and Availability
This Workers Compensation program is available in all 50 states and the District of Columbia, including key markets such as CA, TX, FL, NY, and IL. We routinely handle both single-state and multi-state exposures and can coordinate placement across jurisdictions.
Why Work With Novatae Risk Group
Novatae Risk Group, through Empire Underwriters, combines hands-on underwriting for difficult classes with broad distribution and carrier access. We specialize in solving complex placement challenges for Workers Compensation and provide agents with tailored solutions, quick responses, and support through binding and claims handling.
Call 800-758-8113 to speak with our brokers about Line Maintenance Service Workers Compensation Insurance.
Or email your submission to [email protected] to get started.
Frequently Asked Questions
What types of accounts are a good fit for this Line Maintenance Workers Comp program?
This program targets high-hazard or hard-to-place accounts, including businesses with elevated experience mods, prior claims, new ventures, or multi-state operations.
Can you place coverage for a new Line Maintenance business with no prior insurance?
Yes. Empire underwrites start-ups and new ventures and can tailor coverage to the operational exposures of a growing line maintenance contractor.
What documents are required for a submission?
Provide a completed ACORD 130, 3–4 years of currently valued loss runs, details on any large losses, and the supplemental questionnaire when requested.
Is this program available nationwide?
Yes. The program is available in all 50 states and D.C., with solutions for both single-state and multi-state exposures.
What is the minimum premium for this program?
Minimum premium begins at $10,000, though final pricing depends on the account’s risk profile and state of operation.
Need help placing an account? Connect with a market specialist.