Non-Standard Worker Comp Insurance for Demolition Contractors

From residential homes to office towers and critical infrastructure, demolition contractors perform high-risk work that demands specialized insurance solutions. Whether clearing space for new construction, removing hazardous materials, or assisting with disaster recovery, these operations come with complex exposures that many standard markets are unable or unwilling to cover. That’s where Novatae Risk Group can help.

Through our Non-Standard Worker Comp Insurance for Demolition Contractors program, we provide access to tailored Workers Compensation coverage for accounts that fall outside the appetite of traditional carriers. Backed by decades of experience serving the construction trades, we understand the challenges these contractors face—and we offer solutions that combine flexibility, affordability, and expert claims support.

Ideal Accounts and Appetite

• Demolition contractors with high-risk operations or tough class codes
• Accounts with X-Mods between 1.30 and 3.00
• Businesses non-renewed or cancelled due to loss history or exposure
• Accounts in state-assigned risk pools or declined by the standard market
• Contractors with no prior coverage, lapsed policies, or adverse underwriting
• Operations with manual rates of $8–$50+ and complex risk profiles

Example: You may have a demolition contractor client recently dropped by their standard carrier after a surge in claims, or a new business with no prior coverage and multi-state operations. These are the types of accounts we specialize in.

Program Features and Advantages

• Pay-As-You-Go premium structure with no premium deposit
• No audits—streamlined administration helps your clients focus on their business
• Improved cash flow with predictable costs and billing flexibility
• Full payroll services including tax remittance, 941s, W-2s, and compliance support
• Optional in-house payroll check cutting
• Flexible placement via PEO, ASO, or non-PEO solutions
• Comprehensive HR support, including COBRA, garnishment, and unemployment claims administration
• Dedicated loss control, risk management, and fair claims handling
• High retention program—coverage remains in force until cancelled

Submission Requirements

• ACORD 130 application
• Supplemental form for class of work (available on our website)
• 3 years of loss history
• Loss History Affidavit for accounts with no prior or lapse in coverage
• Explanation of any claim over $20,000
• Current Experience Mod Sheet

Not a Fit for This Program

• Accounts eligible for standard market coverage
• Policyholders shopping for better rates without true need
• Low X-Mod accounts with favorable loss history
• Risks not falling into the eligibility criteria outlined above

Markets and Availability

This non-standard Workers Comp program is available in all U.S. states except ND, OH, WA, and WY. Market availability varies by state, and the program accesses a broad range of carriers to match your clients with the most appropriate option. Minimum premiums vary based on risk characteristics and state requirements.

Why Work With Novatae Risk Group?

As a Managing General Underwriter and E&S Lines Broker, Novatae Risk Group brings over 30 years of experience working with contractors and tough-to-place Workers Comp accounts. Our deep industry knowledge, flexible underwriting, and responsive service make us a valuable partner for agents and brokers looking to place challenging demolition contractor risks.

Do you need a Non-Standard Workers Comp Insurance Quote for your Demolition Contractor Account?

Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately.