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SignagePro® is one of the most comprehensive insurance programs available for businesses involved in sign, display, and awning manufacturing, installation, and servicing. Offered by NIP Group, a leading Managing General Agency, this program is designed to help independent agents and brokers place hard-to-insure signage-related risks with confidence. Ideal Accounts and Appetite SignagePro® targets a wide range of businesses in the signage and outdoor advertising sector. Eligible classes include: Sign Manufacturers Sign Installation Companies Outdoor Advertising Firms Sign Shops Awning Shops You might have a client who fabricates large-scale commercial signage and needs coverage for both product liability and installation exposures. Or a regional sign installer with a mobile crew working across multiple states—SignagePro® is built to handle these scenarios and more. Coverage Highlights and Advantages SignagePro® is tailored to address the unique operational risks faced by sign and display professionals. Coverage is available through various leading carriers and may include: General Liability Property and Inland Marine Commercial Auto (where available) Workers’ Compensation Installation Floaters This focused approach allows you to present a comprehensive quote to clients with confidence, knowing the coverage is aligned with their real-world operations and risk profiles. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the account size, scope of operations, and lines of coverage selected. NIP Group works with a variety of carriers to find competitive terms and appropriate coverages based on risk characteristics. Submissions with detailed descriptions of operations, prior loss history, and current coverage arrangements will help speed up the underwriting process. Territories and Availability SignagePro® is available in most states, including but not limited to CA, TX, NY, FL, NJ, and IL. The program is written on an admitted basis in most locations, enhancing ease of placement and compliance. NIP Group can help you navigate availability and carrier options in your state. Why Work With NIP Group NIP Group is a trusted Managing General Agency with strong carrier relationships and deep expertise in niche businesses. With SignagePro®, they bring specialized risk knowledge and program management to help you serve clients in the signage and display space with confidence. You’ll benefit from responsive underwriting, competitive options, and a partner who understands the unique needs of these industries. Frequently Asked Questions What types of accounts are a good fit for the SignagePro® program?Businesses involved in sign manufacturing, installation, servicing, awning production, and outdoor advertising are ideal candidates. Is this program available in my state?SignagePro® is available in most states, including CA, TX, FL, NY, NJ, and many others. Check with NIP Group for specific state availability. What coverages are offered through SignagePro®?Coverage options may include General Liability, Property, Inland Marine, Workers’ Compensation, Commercial Auto, and Installation Floaters. Do I need to submit a full application to get a quote?Providing a complete submission with operations details, current coverage, and loss history will help expedite the quoting process. Is this an admitted program?Yes, SignagePro® is written on an admitted basis in most available states. Need help placing an account? Connect with a market specialist.

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Property management operations present a broad range of workers' compensation challenges — multiple property types, varied employee duties, seasonal or transient staffing, and multi-jurisdiction exposures. Novatae Risk Group offers a specialized Non-Standard Workers Comp Insurance program tailored to property management risks that are difficult to place in the standard market. The program helps agents and brokers secure reliable coverage for higher-exposure or hard-to-place accounts. Backed by more than 30 years of experience and delivered in partnership with Empire Underwriters, Novatae's program provides flexible solutions to control costs, improve compliance, and simplify claims handling. It is designed to serve accounts exiting assigned-risk pools or state funds, non-renewed accounts, new ventures with operational need, and other non-standard placements where standard markets are unwilling or unable to offer terms. Ideal Accounts and Appetite Property management firms with difficult class codes and elevated experience mods (X-mods typically 1.30–3.00) Accounts leaving state funds, assigned-risk, or an insurer of last resort Non-renewed or canceled accounts with prior loss activity New ventures or startups with no prior coverage but valid payroll and operational plans Accounts with coverage lapses that can provide a loss affidavit and supporting documentation Example fits: you might have a client who manages multiple apartment communities with on-site maintenance and security staff and a recent claims history, or a property manager of retail centers that experienced prior coverage gaps and increasing payroll exposure. Coverage Highlights and Advantages Pay-As-You-Go workers' comp — no premium deposit required No premium audits, reducing administrative burden for clients and brokers Improved cash flow through flexible premium and payroll options Dedicated loss control and risk management support tailored to property operations Claims handled proactively with an emphasis on containment and fair outcomes HR support services including unemployment claims, garnishments, COBRA administration, and related services Full payroll services with tax remittance, 941s, W-2s, and payroll compliance support In-house check cutting and other payroll fulfillment options ASO (Administrative Services Only) and PEO (employee leasing) structures available where appropriate High-retention policy design — coverage remains active until canceled per policy terms Underwriting Notes and Minimum Premiums Required submission items: ACORD 130, applicable class supplemental form, three years of loss runs, a loss affidavit for lapsed or no-prior accounts, explanation for any claims over $20,000, and current experience mod sheets Minimum premiums vary by state and by risk class; underwriters will advise at review Only accounts that meet one or more eligibility criteria will be considered; this is not a market for accounts that have competitive standard-market offers Not suitable: low X-mods or accounts simply shopping for lower rates when standard coverage is available Territories and Availability The Non-Standard Workers Comp for Property Management program is available in most states, including 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, and WI. Carrier access and specific appetite vary by state — carriers vary per state and placement is subject to local market availability. Why Work With Novatae Risk Group? Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines broker focused on challenging workers' compensation placements. Our underwriters understand the operational nuances of property management and work with Empire Underwriters to provide non-standard solutions, streamlined underwriting, and a suite of value-added services that make placement and administration easier for you and your clients. Need a quote? Email [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 program?This program targets property management companies with difficult class codes, elevated experience mods, prior claims issues, or those exiting assigned-risk pools or state funds. Can I submit an account that has had a lapse in coverage?Yes. Accounts with a lapse can be considered if they meet underwriting criteria and include a completed loss affidavit plus supporting documentation. Is prior coverage required for eligibility?No. New ventures or accounts with no prior coverage may be eligible, particularly when they fall into tough classes or have multi-state exposures. Are premium audits required?No. One advantage of this program is the absence of premium audits, which reduces administrative work and helps clients manage cash flow. Which states is this program available in?The program is offered in most U.S. states (see Territories and Availability above). Market access and carrier appetite vary by state and by class. Need help placing an account? Connect with a market specialist.

Empire Underwriters, in partnership with an “A” rated carrier, offers a specialized Non-Standard Workers’ Compensation program for swimming pool and spa contractors that is distributed through Novatae Risk Group. This program is built for accounts that sit outside the appetite of the standard market — giving agents a practical market for hard-to-place clients. The program targets accounts with underwriting complications such as elevated experience modification rates, prior coverage lapses, non-renewals, adverse loss histories, or difficult class codes. If a client is being steered toward an assigned risk pool or has been declined by standard carriers, this program provides competitive coverage and flexible, cash-flow-friendly options to keep the business working. Ideal Accounts and Appetite Swimming pool and spa contractors with elevated experience modification factors (X-Mods typically from 1.30 to 3.0) Accounts non-renewed or cancelled for losses or class of business Clients exiting state funds, assigned risk pools, or similar plans New ventures with no prior coverage but challenging class codes Accounts with adverse underwriting factors or prior claims history Multi-state exposures or hard-to-place governing class codes Example: you might have a client who installs residential and commercial pools across multiple states, has a recent lapse in coverage and prior claims over $20,000. This program is designed to handle exactly that type of complex, higher-risk account. Coverage Highlights and Advantages Pay-As-You-Go Workers’ Comp to improve client cash flow No premium deposit and no traditional payroll audits required HR support services including COBRA, garnishments, unemployment claims, and more Full payroll services with tax filings (941s, W-2s) — or client option to issue payroll in-house Flexible placement options: ASO (non-PEO) or full PEO/employee leasing Loss control and risk management resources targeted to pool contractors Ongoing coverage that remains in force until cancelled Aggressive and fair claims management focused on early return-to-work Underwriting Notes and Submission Requirements Submissions must meet at least one of the eligibility criteria above. Accounts that are merely shopping for a lower rate or have active offers from standard markets typically are not eligible for this non-standard PEO division. Provide the following to submit an account: ACORD 130 Class-specific supplemental application (available on our website) Three years of loss history Loss history affidavit for accounts with a lapse or no prior coverage Explanation for any claims exceeding $20,000 Experience modification worksheet Territories and Availability This program is available in most states, including CA, TX, FL, NY, GA, NC, AZ, and IL. Coverage availability, admitted vs. non-admitted placement, and specific terms vary by state and by account details. Why Work With Novatae Risk Group and Empire Underwriters? Novatae Risk Group, as a Managing General Underwriter and Excess & Surplus Lines Broker, gives agents access to Empire Underwriters’ experience placing hard-to-place Workers’ Compensation risks. You’ll benefit from focused underwriting, responsive service, unique market access, and tailored solutions for swimming pool and spa contractors. We work to turn difficult placement situations into placed accounts. Need a quote for your Swimming Pool Contractor account? Email [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 program?Swimming pool and spa contractors with high X-Mods, prior coverage lapses, large claims, or those exiting assigned risk pools are the primary candidates for this program. Is prior coverage required for submission?No. Accounts with no prior coverage may be eligible if they meet one or more of the underwriting criteria listed for the program. What documents are needed to submit an account?You’ll need an ACORD 130, the class-specific supplemental application, three years of loss history, an experience mod worksheet, and any required affidavits or claim explanations for large losses. Can clients handle their own payroll checks?Yes. Clients can choose to run payroll in-house, or they can use the full payroll and HR services included in the program. In which states is this program available?The program is available in most states, including CA, TX, FL, NY, GA, NC, and others. Availability and placement (admitted vs. non-admitted) depend on state and account specifics. Need help placing an account? Connect with a market specialist.

Novatae Risk Group, through its partnership with Empire Underwriters, offers a specialized Workers Compensation Insurance program tailored for the oil and gas industry. Backed by more than 30 years of experience in the energy and marine insurance sectors, this program is built to support agents and brokers looking to place challenging workers comp accounts in high-hazard industries. Our dedicated team understands the complex risks oil and gas companies face. Whether your client operates in upstream, midstream, or downstream segments, we can help you find competitive, flexible solutions—even for distressed or hard-to-place accounts. As a Managing General Underwriter and Excess & Surplus Lines Broker, we work with a wide range of “A” rated carriers across both admitted and non-admitted markets, depending on the state. Ideal Accounts and Appetite: Experience MOD 1.30 or higher High-hazard job classes common in oil and gas operations Blue, gray, and white-collar occupations Accounts in state pools or funds Distressed, lapsed, or canceled policies New ventures welcome Multi-state companies, especially those with complex exposures No prior coverage or non-renewed accounts For example, if you're working with a startup drilling contractor with employees in Texas and New Mexico, or a pipeline inspection company with a loss history and a MOD above 1.40, this program is built to help you place that business confidently. Coverage Highlights and Advantages: Fast turnaround on quotes and submissions Access to multiple “A” rated markets Standalone Workers Compensation coverage Guaranteed cost plans available Integrated comp solutions for more complex risks Dividend and retrospective rating plans High-deductible options Custom account handling and servicing Underwriting Requirements: Completed ACORD 130 application 3–4 years of loss runs Details on any large losses Completed supplemental questionnaire Minimum Premium and Market Access: Minimum premium starts at $10,000. Carrier availability varies by state, and Novatae Risk Group has access to both admitted and non-admitted markets to help you find the right fit for your client. States We Serve: This program is available in most states, including but not limited to TX, OK, NM, LA, CA, CO, ND, and PA. We specialize in accounts with multi-state exposures and can help you navigate complex jurisdictional issues. Why Work With Novatae Risk Group? With decades of experience, a focused underwriting team, and strong market relationships, Novatae Risk Group delivers specialized solutions for agents seeking to place oil and gas workers compensation business. We’re large enough to serve national accounts, yet nimble enough to respond quickly and adjust to your client’s unique needs. Have a submission ready? Email [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 oil and gas workers compensation program?This program is ideal for high-hazard, hard-to-place accounts in the oil and gas sector, including distressed, new ventures, and multi-state operations. Can I submit accounts with high MODs or prior losses?Yes, accounts with MODs of 1.30 or greater and loss history are welcomed. Details on large losses are required for underwriting review. What is the minimum premium for this program?The minimum premium starts at $10,000, though actual pricing will depend on the specific risk profile and underwriting details. Are multi-state operations eligible?Yes, we specialize in multi-state exposures and can help navigate compliance and rating issues between jurisdictions. What documentation is required to get a quote?You’ll need to provide a completed ACORD 130, 3–4 years of loss runs, a supplemental questionnaire, and any large loss details. Need help placing an account? Connect with a market specialist.