Roofing contractors face some of the highest workers compensation risks in the construction industry. As their insurance agent, it’s your job to ensure they’re protected with a coverage solution that understands the challenges of working at heights, handling heavy materials, and maintaining job site safety. Novatae Risk Group, in partnership with Empire Underwriters, offers a robust Workers Compensation Insurance for Roofers program tailored to meet the needs of roofing contractors across a wide range of risk profiles.
With over 30 years of experience in the roofing and construction insurance space, this program is designed to help agents place hard-to-insure or distressed accounts—including those with high MODs, lapsed policies, or prior losses. Whether your client is a new venture or a multi-state operation, Novatae can help you find a solution through a selection of “A” rated carriers across both admitted and non-admitted markets.
Target Accounts and Appetite
- Roofing contractors with MODs of 1.30 or higher
- High-hazard or tough construction classes
- Accounts in state pools or assigned risk funds
- New ventures with no prior coverage
- Cancelled or non-renewed accounts
- Multi-state exposures and complex risks
- Blue, gray, and white-collar employee mixes
If you have clients struggling to get traditional coverage, or those turned away by standard markets, this program is built to step in where others won’t. From startups to long-established firms with loss history, Novatae can help you find a path forward.
Program Highlights
- Access to top-rated carriers (“A” Rated)
- Quick turnaround on submissions and quotes
- Stand-alone Workers Compensation policies
- Guaranteed cost, dividend, and retro plans
- High deductible options available
- Integrated solutions for broader risk management
- Custom account handling for complex risks
Submission Requirements
- Completed ACORD 130 application
- 3–4 years of loss runs
- Supplemental questionnaire
- Details on large losses, if applicable
Program Availability and Minimum Premium
This program is available in most states, including AL, AZ, CA, FL, GA, IL, NY, TX, and many others. Coverage is offered through both admitted and non-admitted markets depending on state and account specifics. The minimum premium for this program is $10,000.
Why Work With Novatae Risk Group?
Novatae Risk Group, along with Empire Underwriters, brings decades of underwriting expertise and deep market access to help agents place challenging Workers Compensation accounts. Whether you’re working with a roofing contractor with a high MOD, a lapse in coverage, or a multi-state operation, Novatae can deliver creative, competitive solutions tailored to your insureds’ needs.
Need a quote for your roofing client? Email your submission to [email protected] or call 800-758-8113 to speak with an underwriter today.
Frequently Asked Questions
What types of roofing contractors are a good fit for this program?
This program is ideal for contractors with high MODs, prior claims, lapsed policies, or those that are new ventures. We also specialize in hard-to-place and high-hazard roofing accounts.
Can you handle multi-state exposures?
Yes, multi-state operations are a specialty. We work with carriers that provide solutions across state lines, simplifying coverage for clients operating in multiple jurisdictions.
What is the minimum premium for this program?
The minimum premium starts at $10,000, though actual premiums vary based on the account’s details and risk profile.
What documentation is required for a quote?
To get started, we typically need an ACORD 130, 3–4 years of loss runs, a supplemental questionnaire, and details on any significant losses.
Are both admitted and non-admitted markets available?
Yes, we offer access to both admitted and non-admitted carriers, depending on the state and account specifics.
Need help placing an account? Connect with a market specialist.