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Novatae Risk Group, through its wholesale partner Empire Underwriters, provides a specialized Workers Compensation program built for the unique risks of tower erection contractors and tower service companies. Backed by more than 30 years of niche experience, our program addresses the complex exposures found in telecom, wind-energy, and water-storage tower construction and maintenance. Available nationwide, the program is designed to help agents and brokers place difficult, high-hazard, or previously declined workers comp accounts. We work with financially stable, "A"-rated carriers and offer flexible solutions for accounts that many markets will decline. Whether the risk is a new venture, a high experience modification (MOD), accounts with prior cancellations or lapses, or placements currently in state-assigned risk pools, Novatae Risk Group can help you secure a private-market workers compensation solution. Appetite: Experience MOD 1.30 or greater High-hazard tower erection and tower service operations Blue, gray, and white collar exposures Accounts currently in state pools or assigned risk funds Distressed, lapsed, or non-renewed policies New ventures and startup contractors welcome Multi-state operations — strong capability for multi-jurisdictional risks Hard-to-place workers compensation risks specific to tower work Coverage Highlights and Program Features: Stand-alone workers compensation coverage tailored for tower contractors Quick turnaround on submissions and quotes Access to a panel of "A"-rated admitted and E&S carriers (varies by state) Pricing structures including guaranteed cost, dividend, and retro plans High-deductible and deductible-based options Integrated loss-control and claim-handling support available through carrier partners Custom account handling, underwriting flexibility, and placement support for difficult classes Underwriting Requirements: Completed ACORD 130 application Three to four years of loss runs Full details on any large or catastrophic losses Completed supplemental questionnaire specific to tower operations Minimum Premium: A $10,000 minimum premium applies. Additional underwriting or state requirements may affect final pricing. Territories and Availability: This program is available in most U.S. states, including (but not limited to): CA, TX, FL, NY, PA, IL, GA, NC, and many others. We place both admitted and non-admitted business depending on state rules and the risk profile; carrier availability varies by state. Who This Program Best Serves You should consider Novatae Risk Group for tower erection and tower service accounts that are difficult to place in the standard market. Examples include a multi-state tower contractor with a MOD above 1.30 seeking to exit a state-assigned risk pool, or a new tower erection startup that needs its first workers comp policy despite limited prior coverage history. We specialize in risks where industry experience, flexible underwriting, and targeted carrier relationships matter most. Why Work With Novatae Risk Group? Novatae Risk Group and Empire Underwriters combine decades of tower-specific underwriting expertise with broad carrier access and practical placement experience. Our team provides hands-on support to help you navigate difficult submissions, accelerate quote turnaround, and identify the right admitted or E&S solution for each account. We aim to move viable accounts out of state pools and into more stable private-market placements whenever possible. Need a Workers Compensation quote for a tower erection contractor? Email your submission to [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?The program targets tower erection contractors and tower service firms in telecom, wind energy, and water storage sectors—especially those with high MODs, new ventures, or a distressed loss history. Can you place accounts currently in state risk pools?Yes. We specialize in transitioning clients from state-assigned risk pools into private-market placements where appropriate. Is multi-state coverage available?Yes. We have experience handling multi-jurisdictional workers comp exposures and can coordinate coverage across states through admitted and E&S markets. What documents are needed to get a quote?Provide a completed ACORD 130, 3–4 years of loss runs, details on any large losses, and the supplemental questionnaire specific to tower operations. Are new ventures eligible for coverage?Yes. We accept new venture tower contractors, including those without prior coverage, provided underwriting information is complete. Need help placing an account? Connect with a market specialist.

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