Workers Compensation Insurance for Office Equipment Installers

Employees are the backbone of any business. For companies that install office equipment, field staff face distinct on-the-job risks: lifting heavy copiers and printers, maneuvering bulky equipment through tight stairwells, working on customer premises, and handling wiring and racks. As an agent or broker, you need a Workers Compensation solution that reflects those exposures and the operational practices of the contractor.

Novatae Risk Group, in partnership with Empire Underwriters, offers a focused Workers Compensation Insurance program for Office Equipment Installers. With more than 30 years of experience placing this class, our underwriting team understands the loss drivers, common loss scenarios, and the loss-control measures that make the difference. Whether your client installs copiers, printers, server racks, cabling, or other commercial office systems, this program is structured to meet their trade-specific needs while providing fast service for you.

Ideal Accounts and Appetite

• Small to mid-sized office equipment installation firms with field technicians
• Companies with manual-labor exposure but documented safety programs and training
• Accounts with prior coverage and an otherwise manageable loss history
• New ventures may be considered if adequate documentation and controls are provided

You might have a client who routinely installs multifunction printers across multiple office locations, or a regional IT integrator that ships and installs server racks and structured cabling. Those are the types of accounts that typically fit this program.

Coverage Highlights and Advantages

• Competitive commission structure for agents and brokers
• Fast quote turnaround when a completed submission is provided
• Program available across a broad set of states to support regional accounts
• Minimum premium starts at $7,500

The program balances competitive pricing with underwriting rigor. Quick response times and broad market access help you place accounts efficiently and keep your clients working.

Submission Requirements

• Completed ACORD 130 application
• Three years of currently valued loss runs
• Supplemental questionnaire specific to office equipment installers
• Details on any large or unusual prior losses

Underwriting Notes and Minimums

Underwriters focus on job duties, crew size, use of lift or mechanical aids, driver exposure, and documented safety practices. Strong safety programs, routine employee training, written lift procedures, and evidence of routine vehicle and equipment maintenance help your submissions. The program has a minimum premium threshold of $7,500; larger accounts can be placed across available markets depending on loss experience and controls.

Available Territories

This program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, and WV. Contact us to confirm current availability in a client’s specific state.

Why Work With Novatae Risk Group

Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines broker with specialty expertise in nuanced workers compensation placements. Our longstanding relationship with Empire Underwriters gives agents access to a range of admitted and non-admitted markets and to underwriters who know this trade. We combine market access with a service-driven approach to help you move submissions quickly and place accounts where standard markets are constrained.

Need a Workers Compensation Insurance quote for your Office Equipment Installer client?

Email [email protected] or call 800-758-8113 to speak with an underwriter today.