Search CompleteMarkets

Road Side Assistance Insurance What is Road Side Assistance Insurance? Road Side Assistance Insurance is an add-on...ill have questions? Talk to a local insurance expert.

...e time to decide which fork in the road you should take: Do I sell the ...sion from The National Alliance for Insurance Education and Research.

..., repair, and remodeling work on residential and commercial projects. Market F...rding, and per-project aggregates. Subsidence and prior projects coverage are ...

Street and road contractors face distinct liability ex...although limited exceptions may be considered on a case-by-case basis. Is this...

Novatae Risk Group offers a specialized workers' compensation placement program for assisted living facilities and nursing homes. With deep program expertise placing hard-to-place workers comp business, this program is built to handle complex payrolls, multi-state exposures, accounts with elevated loss histories, and a mix of blue-, gray- and white-collar staffing. You can rely on direct underwriting attention, multiple market options and flexible plan designs to keep these accounts placed and competitive. Appetite: MOD 1.30 or greater High-hazard or difficult classes typical of long-term care Blue-, gray- and white-collar mixes Accounts in state workers’ comp pools or funds Distressed, lapsed, cancelled or non-renewed accounts No-prior or limited history / new ventures — acceptable Multi-state operations and payroll exposure — a specialty Hard-to-place workers’ compensation risks Program Features: Quick turnaround on submissions and referrals Access to many "A"–rated admitted carriers and E&S capacity varies by state Stand-alone workers’ compensation placements Guaranteed cost and integrated work comp solutions Dividend, retrospective and high-deductible plan options Custom account handling with underwriter-level attention Underwriting Requirements & Notes: Completed ACORD 130 3–4 years of loss runs (detailed history helps for elevated MODs) Provide full details on any large or catastrophic losses Supplemental questionnaire when requested Minimum Premium: Typical minimums start around $10,000, subject to carrier and state guidelines. Territories & Admitted Positioning: This program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, WI. Placement options include admitted and non-admitted/E&S markets as appropriate; capacity and carrier availability vary by state. Why Place This Business With Novatae Risk Group As a managing general underwriter and E&S broker, Novatae Risk Group focuses on placing workers’ compensation for long-term care operators where standard markets often struggle. You’ll get: Underwriter-level responsiveness and fast binding when terms are available Multiple market options—carriers vary by state to maximize placement chances Flexible program structures (guaranteed cost, retropay/dividend, high-deductible) Experience handling multi-state payrolls, state funds participation and accounts with complex loss histories Example Accounts That Fit This Program A 120-bed assisted living facility with a MOD of 1.45, mixed staffing and recent large medical-only claims — you can submit full loss runs and supplemental details for review. A small chain of three nursing homes operating in three neighboring states with payroll split across facilities — multi-state placement options are available. Ready to submit? Send your completed ACORD 130, current loss runs and any supplemental information to [email protected] or call 800-758-8113 to discuss placement and appetite with an underwriter. Frequently Asked Questions What types of assisted living and nursing home accounts are a good fit?Accounts with elevated MODs, multi-state payrolls, mixed staffing (clinical and non-clinical), state fund participation, or recent lapses/cancellations are good fits. The program is designed for risks that standard admitted markets find difficult to place. What documents should I include with a submission?Start with a completed ACORD 130, the last 3–4 years of loss runs, payroll breakdown by class and location, and details on any large losses. A supplemental questionnaire may be requested for complex losses or multi-state exposure. Is this program available on an admitted basis?Yes — Novatae works with a mix of admitted carriers and excess & surplus capacity. Availability depends on state and the account’s profile; some placements may require non-admitted solutions. What is the minimum premium I should expect?Minimum premiums typically begin around $10,000, though the final minimum will depend on carrier, state, and program structure. How quickly can I expect a response on a submission?Novatae emphasizes quick turnaround and underwriter attention. Response times vary by complexity, but straightforward submissions with complete paperwork receive faster review and decisioning. Need help placing an account? Connect with a market specialist.

...over 200 contractor classes. This broad appetite allows you to place a wide ra...like HVAC, electrical, drywall, and residential remodelers. Are new residential construction projects eligible...

...Auto for simplified servicing and broader client solutions Fast turnaround...

...ation to get the most favorable consideration. Territories and Availability: ... risk pools. New ventures are also considered when documentation is provided. ...

...overage lapse?Yes, this program considers accounts with recent lapses, as long...