Novatae Risk Group, in partnership with Empire Underwriters, provides a focused Truckers and Transportation Workers Comp Insurance program built for high-risk transportation clients. Backed by more than 30 years of specialty workers’ compensation experience, our underwriters understand the operational risks and loss drivers common to trucking, logistics, and related transportation businesses—and we structure solutions to place hard-to-write accounts.
Whether a client is a startup, has a difficult loss history, operates in multiple states, or was declined by standard markets, Novatae can help you find coverage. We combine a streamlined quoting process with access to a broad panel of "A" rated admitted and non-admitted carriers to give brokers flexibility when placing challenging transportation comp business.
Target Appetite
- Experience MOD 1.30 or higher
- High-hazard or challenging transportation classes
- Blue-, gray-, and white-collar trucking and logistics operations
- Risks in state pools or assigned risk funds
- Distressed, lapsed, cancelled, or non-renewed policies
- Firms with no prior coverage or new ventures
- Startups and emerging transportation businesses welcome
- Multi-state operations with interstate exposure
- Hard-to-place workers’ compensation accounts
You might have a trucking client recently non-renewed because of an elevated MOD or loss frequency. Or a logistics firm expanding into multiple states may be unable to secure stable comp coverage. These are the types of accounts our program is built to place.
Program Features
- Fast underwriting turnaround to help you respond quickly to renewals and bind dates
- Access to multiple “A” rated carriers across admitted and E&S markets
- Stand-alone workers’ compensation policies tailored to transportation exposures
- Flexible plan structures: guaranteed cost, dividend, retro, and high-deductible options
- Custom account handling and integrated solutions for complex or layered placements
Submission Requirements
- Completed ACORD 130 application
- 3–4 years of loss runs
- Details on any large or unusual losses
- Supplemental questionnaire (when applicable)
Minimum Premium and Market Access
Minimum premium starts at $10,000. We place business in both admitted and non-admitted markets depending on state regulations and account characteristics. Carrier availability varies by jurisdiction, which gives our team the ability to structure accepted solutions for unusual or difficult risks.
Territories Served
This program is available in most states, including but not limited to: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, and WI. We support single-state and multi-state operations and have experience handling interstate exposures and payroll allocations.
Why Work With Novatae Risk Group
As a Managing General Underwriter and Excess & Surplus Lines broker with deep roots in the trucking and transportation space, Novatae Risk Group specializes in placing challenging workers’ compensation risk quickly and efficiently. Our strengths include focused underwriting expertise, a responsive service model, and broad market relationships through our partnership with Empire Underwriters.
Need a quote for Transportation Workers Compensation?
Send submissions to [email protected] or call 800-758-8113 to speak directly with an underwriter.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program targets trucking and transportation companies with higher MODs, prior losses, new ventures, or multi-state operations. Hard-to-place and distressed accounts are welcome.
Is this program available in all states?
It is available in most states, including CA, TX, FL, NY, and others. We handle both single-state and multi-state risks.
Are new ventures eligible for coverage?
Yes, new ventures with no prior coverage can be considered, especially if they fall within our target industry classes.
What information is needed to get a quote?
A completed ACORD 130, 3–4 years of loss runs, supplemental questionnaire, and details about any large losses are required.
Can you help with accounts that have been non-renewed or cancelled?
Yes, we specialize in helping agents place accounts that have been non-renewed, cancelled, or declined by standard markets.
Need help placing an account? Connect with a market specialist.