Workers Compensation Insurance for Mason Contractors
Novatae Risk Group offers a specialized Workers Compensation Insurance program tailored for mason contractors and related trades. Whether your client is a new venture or a long-standing masonry business with a complex claims history, Novatae provides access to competitive, flexible markets that understand the unique risks of this industry. As a Managing General Underwriter (MGU) and Excess & Surplus Lines Broker, Novatae has the underwriting authority and carrier relationships to help agents place even the most challenging workers comp accounts.
Ideal Accounts and Appetite
- Experience MOD of 1.30 or greater
- High-hazard masonry operations and tough-to-place classes
- Blue, gray, and white-collar risks
- Accounts currently in state pools or assigned risk funds
- Lapsed, non-renewed, or previously cancelled policies
- New ventures welcome
- Multi-state exposure — strong appetite and expertise
- No prior coverage? We can consider it.
If you have a masonry contractor client with recent large losses, tough classifications, or operating in multiple states, this program is designed to handle it. Even distressed or non-standard risks can be considered.
Coverage Highlights and Advantages
- Fast turnaround on quotes and submissions
- Access to multiple "A" rated carriers
- Stand-alone workers compensation policies
- Guaranteed cost options available
- Integrated workers comp solutions for complex needs
- Dividend and retroactive plans available
- High deductible structures
- Customized account handling for better service and fit
You can confidently place hard-to-place contractors with Novatae, knowing they’ll receive tailored coverage options backed by solid carriers and responsive underwriting.
Underwriting Requirements and Minimum Premium
- Completed ACORD 130 application
- 3–4 years of loss runs
- Narratives for any large or unusual losses
- Supplemental questionnaire may be required
Minimum premium for this program is $10,000. Submissions can be reviewed quickly when complete documentation is provided.
Territories and Market Access
This program is available in most U.S. states, including but not limited to CA, TX, FL, NY, GA, and IL. Novatae works with a variety of carriers across all available markets — admitted and non-admitted — depending on state and risk characteristics.
Why Work With Novatae Risk Group?
Novatae Risk Group brings specialized underwriting and market access to the table, helping agents place difficult workers comp accounts that don't fit traditional programs. Whether you’re working with a new masonry contractor startup or an established firm with high MODs and challenging loss history, Novatae can deliver flexible solutions with a fast turnaround. Their deep experience in high-risk classes and multi-state operations makes them a strong partner for agents looking to place tough comp business.
Do you need a Masonry Workers Compensation Insurance Quote?
Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for masonry contractors with high MODs, prior losses, lapses, or complex multi-state operations. New ventures and distressed risks are also welcome.
Can I submit an account with no prior workers compensation coverage?
Yes, Novatae can consider accounts with no prior coverage, including new ventures or firms that have been uninsured or lapsed.
What documentation is required to get a quote?
You’ll need a completed ACORD 130, 3–4 years of loss runs, explanations for any large losses, and a supplemental questionnaire if requested.
Is this program available in my state?
The program is available in most U.S. states, including CA, TX, FL, NY, GA, IL, and many others. Contact Novatae for specific eligibility by state.
What is the minimum premium for this program?
The minimum premium starts at $10,000, though actual pricing depends on the risk characteristics and underwriting review.
Need help placing an account? Connect with a market specialist.