Tree service contractors face some of the highest risks in the industry, with hazardous job sites, heavy equipment, and unpredictable outdoor conditions. Having the right Workers Comp Insurance is critical to protecting your clients and their employees from workplace injuries and costly claims. Novatae Risk Group, in partnership with Empire Underwriters and top-rated carriers, offers a specialized Workers Comp program designed for tree contractors and related high-risk classes.
This program is ideal for agents and brokers seeking flexible solutions for tough-to-place accounts, including those with high MODs, multi-state operations, or gaps in coverage. Whether your client is a new venture or has been declined or non-renewed in the past, Novatae’s underwriting team understands the unique exposures faced by tree service professionals and can help you find the right fit.
Appetite:
- Experience MOD of 1.30 or higher
- High-hazard industries, including tree trimming and removal
- Blue, gray, and white collar job classes
- Accounts currently in state funds or assigned risk pools
- Distressed or lapsed policies
- New businesses with no prior coverage
- Multi-state exposures
- Hard-to-place Workers Comp risks
Program Features:
- Fast turnaround on quotes and submissions
- Access to multiple “A” rated carriers
- Stand-alone Workers Comp policies
- Guaranteed cost and high deductible options
- PEO, ASO, and non-PEO contract solutions
- Integrated Work Comp solutions for complex accounts
- Dividend and retro plans available
- Consent to Rate services for difficult renewals
- Custom account handling and support
- Client option to cut checks in-house
Underwriting Requirements:
- Completed ACORD 130 application
- 3–4 years of loss runs
- Details on any large losses
- Supplemental questionnaire
Territories and Availability:
This Workers Comp program is available in most states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, 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, and WI. Minimum premium typically starts at $10,000, and coverage is offered through both admitted and non-admitted markets, depending on state availability and account fit.
Why Work With Novatae Risk Group?
Novatae Risk Group is a trusted Managing General Underwriter and Excess & Surplus Lines Broker with deep expertise in placing complex and high-hazard Workers Comp risks. Through its partnership with Empire Underwriters, Novatae delivers competitive solutions for agents who need fast, dependable access to specialty markets. Whether you’re working with a tree trimming company with a challenging claims history or a new startup needing guidance, Novatae can help you deliver the right coverage at the right time.
Need a quote for your Tree Contractor client?
Send submissions to [email protected] or call 800-758-8113 to speak directly with an underwriter.
Frequently Asked Questions
What types of tree contractor accounts are a good fit for this program?
This program is well-suited for high-hazard tree trimming and removal companies, especially those with MODs over 1.30, prior losses, or multi-state operations.
Can I submit new ventures or accounts with no prior Workers Comp coverage?
Yes. New ventures and accounts with no prior coverage or a lapse in coverage are eligible for consideration under this program.
Which states is this Workers Comp program available in?
This program is available in over 45 states, including CA, FL, TX, NY, and many others. Contact underwriting for state-specific eligibility.
Do you offer solutions for clients currently in a state fund or assigned risk pool?
Yes. We specialize in helping agents move accounts out of state funds or pools into more competitive private market solutions.
What submission documents are required to get started?
You'll need a completed ACORD 130, 3–4 years of loss runs, details on large losses, and a supplemental questionnaire.
Need help placing an account? Connect with a market specialist.