Search CompleteMarkets

...lothing, furs, and draperies. 13. Metal objects, including guns, drapery rods...ther than bringing things like yard furniture inside. So everyone was caught o...

Novatae Risk Group offers a specialized Workers Compensation program tailored for warehouse operations. Warehouse environments present a concentrated set of exposures — lifting, material handling, forklift operations, repetitive motion, and slip/trip hazards — that can produce significant comp claims if not placed with the right underwriting and claims partners. This program pairs focused underwriting with flexible market access to help you place warehouse risks with confidence. Overview of the Program Novatae Risk Group lists a warehouse workers’ compensation solution underwritten by an "A" rated carrier and administered through experienced MGA/E&S capacity. The program is designed for single-location and multi-location warehouses, distribution centers, and third-party logistics (3PL) operations that require a market tuned to the unique exposures of material handling employers. Submit complete applications for fast turnaround and clear underwriting decisions. Ideal Accounts and Appetite Warehouse and distribution operations (small to mid-size and select larger accounts) Third-party logistics (3PL) facilities with established safety programs Accounts with forklift operations, pallet handling, and order-fulfillment activity Good fit: employers with documented safety programs, light-to-moderate loss history, and effective return-to-work practices Less likely to fit: high-hazard manufacturers, sites with frequent severe losses, or operations lacking basic loss control Coverage Highlights and Advantages Program access through a Managing General Underwriter and Excess & Surplus lines broker structure to reach admitted and non-admitted capacity as needed Fast turnaround on quotes when a completed application and loss runs are provided Designed to address common warehouse exposures such as material handling injuries, lifting strains, and vehicle/pedestrian incidents Competitive commission structure and a market that can place accounts other carriers decline Flexible terms for multi-location placements and parcel/palletized operations Underwriting Notes and Minimum Premiums Underwriters will want a complete submission to price appropriately. Minimum premium: $7,500. Typical required materials include a completed ACORD application, three years of loss runs, the program supplemental questionnaire, and details on any large past losses. Clear documentation of safety programs, training, and return-to-work policies improves placement prospects and pricing. Territories and Availability 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, WV. The program can be structured on admitted or non-admitted paper depending on state availability and account characteristics; the carrier and placement vehicle will vary by risk and jurisdiction. Why Work With Novatae Risk Group on Warehouse Workers Comp Specialized underwriting focus on warehouse and distribution operations Access to admitted and E&S markets through MGA relationships Fast, pragmatic quoting when you provide a complete submission Experienced claims and loss control partners to help manage difficult exposures Example Accounts That Fit An owner-operated regional warehouse with 40 employees, organized safety training, and a clean two-year loss history — a straightforward candidate for competitive terms. A busy 3PL with mixed client operations, documented forklift training, and one large historical claim — eligible if loss-control initiatives and return-to-work plans are well documented. Send submissions with the required materials to [email protected] or call 800-758-8113 to speak with an underwriter about placement options. Frequently Asked Questions What types of warehouse accounts are a good fit for this program?Single-location and multi-location warehouses, distribution centers, and 3PLs with documented safety programs and moderate loss histories are ideal. Accounts with disciplined forklift training, formal return-to-work plans, and routine safety audits place best. What submission materials do underwriters require?Provide a completed ACORD application, three years of loss runs, the program supplemental questionnaire, and details on any large past losses. Incomplete files slow quoting. Is the program available admitted or non-admitted?Placement can be admitted or non-admitted depending on state and account characteristics. The carrier and placement vehicle will vary with risk profile and jurisdiction. What is the minimum premium and how does pricing consider loss history?The program has a minimum premium of $7,500. Pricing reflects class codes, payroll, loss history, and documented loss-control practices; strong safety documentation can materially improve terms. Need help placing an account? Connect with a market specialist.

... water heater, place two strips of metal straps or plumber's tape around the w...records in a safe location (such as a metal box or a safety deposit box). Lis...

For more than 15 years, Insurance Program Managers Group (IPMG) has served as a trusted wholesale broker for agents and brokers placing Workers Compensation Insurance. With deep underwriting experience across a wide range of industries and access to multiple A-rated carriers (admitted and non-admitted as available), IPMG helps you secure competitive, tailored coverage for clients with routine and more challenging exposures. Ideal Accounts and Target Industries IPMG has the underwriting expertise and market access to handle a broad spectrum of Workers Compensation classes. Our appetite includes, but is not limited to: Contractors and construction-related businesses Healthcare providers and facilities Manufacturing operations Auto dealerships and service centers Trucking and transportation firms We routinely consider accounts with elevated experience modification factors, complex loss histories, and other loss-challenged characteristics that can be difficult to place in standard markets. Example: You might have a client operating a regional trucking company with a 1.45 mod and prior losses—IPMG can compile submissions to multiple carriers and help you explore competitive placement options while addressing underwriting questions up front. Program Highlights and Value-Added Services Access to multiple A-rated carriers (admitted and non-admitted where available) Minimum premiums starting around $500, with capacity for accounts sized to $1M+ Same-day quoting available on many classes when you supply a complete submission Wide range of eligible class codes and flexible underwriting for complex risks Markets that will consider high-mod and otherwise challenging accounts Monthly reporting and other policy servicing options Competitive commissions for agents Additional risk management services available to help control losses and improve safety Submission Requirements To help us deliver fast, accurate indications and bindable quotes, include the following with your submission: Completed ACORD application with a clear description of operations 3–5 years of currently valued loss runs Current experience modification rating (if applicable) Providing clear payroll breakdowns and a summary of any loss control efforts or return-to-work programs will improve placement results. Territories and Availability IPMG offers Workers Compensation solutions in most U.S. states. We are actively writing business in over 45 states and Washington, DC, including: AK, AL, AR, AZ, CA, CO, CT, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, DC. Carrier availability and program structure may vary by state. Why Partner With IPMG? IPMG focuses on getting difficult and standard Workers Compensation accounts placed quickly and competitively. Our team provides responsive underwriting, broad broker relationships, and workflow support so you can win new business and retain clients. We combine market access with practical risk management resources to help control cost and improve renewal outcomes. Frequently Asked Questions What types of accounts are a good fit for IPMG's Workers Compensation program?We write a wide range of classes, including contractors, healthcare providers, manufacturers, dealerships, and trucking companies. We also consider higher-mod or loss-challenged risks that standard markets may decline. What is the minimum premium for this program?Premiums generally start around $500 and scale based on class, payroll and exposure. We handle accounts from small businesses up to $1M+ premium size. How quickly can I get a quote?Same-day quotes are available for many classes when you submit a complete package: ACORD application, current loss runs, and experience mod (if applicable). Which states are eligible for this program?IPMG is active in most states, including CA, TX, FL, NY and many others—carrier options and program structure vary by state. Does IPMG offer risk management support?Yes. We can connect you and your clients with additional risk management services designed to improve workplace safety and control claims cost. Need help placing an account? Connect with a market specialist.

...Example accounts include: A furniture importer shipping containers from A...