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... and witnessed applications and affidavits to start underwriting. Each case is...

... and witnessed applications and affidavits to start underwriting. Each case is...

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.

From residential homes to office towers and critical infrastructure, demolition contractors perform high-risk work that demands specialized insurance solutions. Whether clearing space for new construction, removing hazardous materials, or assisting with disaster recovery, these operations come with complex exposures that many standard markets are unable or unwilling to cover. That’s where Novatae Risk Group can help. Through our Non-Standard Worker Comp Insurance for Demolition Contractors program, we provide access to tailored Workers Compensation coverage for accounts that fall outside the appetite of traditional carriers. Backed by decades of experience serving the construction trades, we understand the challenges these contractors face—and we offer solutions that combine flexibility, affordability, and expert claims support. Ideal Accounts and Appetite Demolition contractors with high-risk operations or tough class codes Accounts with X-Mods between 1.30 and 3.00 Businesses non-renewed or cancelled due to loss history or exposure Accounts in state-assigned risk pools or declined by the standard market Contractors with no prior coverage, lapsed policies, or adverse underwriting Operations with manual rates of $8–$50+ and complex risk profiles Example: You may have a demolition contractor client recently dropped by their standard carrier after a surge in claims, or a new business with no prior coverage and multi-state operations. These are the types of accounts we specialize in. Program Features and Advantages Pay-As-You-Go premium structure with no premium deposit No audits—streamlined administration helps your clients focus on their business Improved cash flow with predictable costs and billing flexibility Full payroll services including tax remittance, 941s, W-2s, and compliance support Optional in-house payroll check cutting Flexible placement via PEO, ASO, or non-PEO solutions Comprehensive HR support, including COBRA, garnishment, and unemployment claims administration Dedicated loss control, risk management, and fair claims handling High retention program—coverage remains in force until cancelled Submission Requirements ACORD 130 application Supplemental form for class of work (available on our website) 3 years of loss history Loss History Affidavit for accounts with no prior or lapse in coverage Explanation of any claim over $20,000 Current Experience Mod Sheet Not a Fit for This Program Accounts eligible for standard market coverage Policyholders shopping for better rates without true need Low X-Mod accounts with favorable loss history Risks not falling into the eligibility criteria outlined above Markets and Availability This non-standard Workers Comp program is available in all U.S. states except ND, OH, WA, and WY. Market availability varies by state, and the program accesses a broad range of carriers to match your clients with the most appropriate option. Minimum premiums vary based on risk characteristics and state requirements. Why Work With Novatae Risk Group? As a Managing General Underwriter and E&S Lines Broker, Novatae Risk Group brings over 30 years of experience working with contractors and tough-to-place Workers Comp accounts. Our deep industry knowledge, flexible underwriting, and responsive service make us a valuable partner for agents and brokers looking to place challenging demolition contractor risks. Do you need a Non-Standard Workers Comp Insurance Quote for your Demolition Contractor Account? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for demolition contractors with high-risk operations, elevated X-Mods, prior cancellations, or no prior coverage—especially those declined by the standard market. Can this program help clients in assigned risk pools?Yes, this program is designed to provide an alternative to state funds or assigned risk pools for eligible demolition contractors. What underwriting documents are required for a quote?You’ll need an ACORD 130, class-specific supplemental form, 3 years of loss runs, a loss affidavit (if needed), claim explanations over $20K, and the current Experience Mod. Is this a PEO program only?No. While PEO placement is available, we also offer ASO and non-PEO options depending on the client’s needs and eligibility. In which states is this program available?The program is available in most U.S. states, excluding monopolistic states like ND, OH, WA, and WY. Market availability may vary by state. Need help placing an account? Connect with a market specialist.

IndemnityPlus Dental IndemnityPlus is BEST Life's indemnity plan that offers access to a PPO network. The same benefit levels apply in or out-of-network and members can take advantage of out-of-pocket savings when they receive care from a network dental provider. Basic and rich plan designs are also available along with child and adult orthodontia.

Empire Underwriters, in partnership with an “A” rated carrier, offers a specialized Non-Standard Workers’ Compensation program tailored for swimming pool and spa contractors. Through Novatae Risk Group, this program is designed for accounts that fall outside the appetite of the standard market — providing a lifeline to agents seeking solutions for their hard-to-place clients. This program is ideal for accounts facing challenges such as high experience mods, prior coverage lapses, non-renewals, adverse loss history, or tough class codes. Whether your client is being pushed into the assigned risk pool or has been declined by the standard market, we can help you secure competitive coverage with flexible, cash flow-friendly options. Ideal Accounts and Appetite Swimming pool and spa contractors with high X-Mods (1.30 to 3.0) Accounts non-renewed or cancelled due to losses or class of business Clients moving out of state funds or assigned risk pools New ventures with no prior coverage but challenging class codes Accounts with adverse underwriting factors or prior claims history Multi-state exposures or tough-to-place governing class codes For example, you might have a client with a lapse in coverage and a history of losses over $20,000 who installs residential and commercial pools across multiple states. This program is designed exactly for that type of high-need, high-risk client. Coverage Highlights and Advantages Pay-As-You-Go Workers’ Comp – improved cash flow No premium deposit or audits required HR support services – COBRA, garnishments, unemployment claims, and more Full payroll services including tax filings (941s, W-2s) Client option to cut their own payroll checks Options for ASO (non-PEO) or full PEO/employee leasing Loss control and risk management support Ongoing coverage – continuous until cancelled Aggressive and fair claims management Underwriting Notes and Submission Requirements All submissions must meet at least one of the eligibility criteria listed above. Accounts that are simply shopping for better rates or have active offers from standard markets are not eligible for quotes from this PEO division. To submit an account, please provide: ACORD 130 Class-specific supplemental application (available on our website) Three years of loss history Loss history affidavit for accounts with lapse or no prior coverage Explanation for any claims exceeding $20,000 Experience Mod worksheet Territories and Availability This program is available in most states, including but not limited to CA, TX, FL, NY, GA, NC, AZ, and IL. Coverage availability and terms may vary by location. Admitted and non-admitted markets are used depending on state-specific conditions. Why Work With Novatae Risk Group and Empire Underwriters? As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group gives you access to Empire Underwriters’ deep expertise in hard-to-place Workers’ Comp. You’ll benefit from decades of underwriting experience, responsive service, unique market access, and tailored solutions for your pool contractor clients. Let us help you turn your toughest Workers’ Comp challenges into success stories. 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 ideal candidates. Is prior coverage required for submission?No, accounts with no prior coverage may be eligible as long as they meet one or more of the underwriting criteria outlined in the program. What documents are needed to submit an account?You’ll need an ACORD 130, class-specific supplemental application, three years of loss history, an experience mod worksheet, and other documentation depending on the account’s history. Can clients handle their own payroll checks?Yes, clients have the option to handle payroll in-house or 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 more. Availability may vary based on specific account details. Need help placing an account? Connect with a market specialist.

Overview of the Alternative Workers Compensation Program from Novatae Risk Group Novatae Risk Group offers a robust Alternative Workers Compensation Program through its partner Empire, designed to help agents place tough-to-insure risks that don't fit traditional markets. As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae provides access to a wide range of flexible workers compensation solutions backed by top-rated AM Best carriers including Hartford, AIG, Zurich, Argonaut, Amtrust, State National, and Lumberman’s. Whether your client is being non-renewed due to losses, has a high X-Mod, or is currently in a state fund or assigned risk pool, this program is a powerful alternative. With availability in nearly every state (except monopolistic states), it’s ideal for multistate risks, complex operations, and accounts needing creative underwriting solutions. Ideal Accounts and Appetite This program is built for accounts that are difficult to place in the standard market. Targeted scenarios include: Clients with X-Mods between 1.30 and 3.0 Accounts being non-renewed or canceled due to prior losses Businesses coming out of a state fund, assigned risk pool, or insurer of last resort New ventures, lapses in coverage, or no prior history Accounts with tough class codes or multi-state operations Common industries include manufacturing, construction (including roofing, framing, excavation, and swimming pool contractors), janitorial, transportation, residential care, and farming. You can also place clerical and service-based risks that meet the alternative underwriting criteria. Coverage Highlights and Advantages Empire's Program Features: Guaranteed Cost and High Deductible Plans Retroactive Rating Programs (“Retro Plans”) Dividend and Return of Premium Options Rate/Premium Deviations and “Consent to Rate” Approvals Pay-As-You-Go Options and Zero Premium Deposit (optional) Payroll services with tax compliance and benefit administration HR support, loss control resources, and expert claims management These features help reduce upfront costs, improve cash flow, and provide risk management support for long-term cost savings—especially useful for clients with volatile loss histories or complex payroll needs. Underwriting Notes and Minimum Premiums To submit a risk, agents will need to provide: Acord 130 application Three years of loss history Loss history affidavit (if lapse or no prior) Experience Mod sheet Supplemental application based on class of business (Click here for Supplementals) Claim narratives for losses over $20,000 Minimum premiums vary by risk and state. Competitive commissions are offered—typically ranging from 6% to 10%, based on class code, premium size, and underwriting risk. Territories and Availability Novatae’s Alternative Workers Comp Program is available in all U.S. states except monopolistic ones (ND, OH, WA, WY). Eligible states include AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, 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, WV, and WI. Why Work With Novatae Risk Group As a trusted wholesaler and program provider, Novatae Risk Group offers deep market access, tailored underwriting, and responsive service to help agents place hard-to-insure risks. With more than a dozen top-rated carriers and flexible program structures, you gain a partner that understands the unique needs of non-standard workers compensation clients. Whether you're working with a heavy construction firm with high losses or a new staffing agency with no prior coverage, Novatae helps you navigate challenging placements with confidence and speed. Frequently Asked Questions What types of accounts are a good fit for this program?Accounts with high X-Mods, tough class codes, prior losses, lapses in coverage, or those coming out of state funds or assigned risk pools are ideal candidates. What industries does the program target?This program targets a wide range of industries, including construction, manufacturing, staffing, transportation, janitorial, and residential care, among others. Is this program available nationwide?It is available in all U.S. states except monopolistic states, including popular markets like CA, TX, FL, and NY. What documents are required for submission?You’ll need an Acord 130, three years of loss runs, an experience mod sheet, and supplemental applications for the specific class of business. Can this program handle new ventures or businesses with no prior coverage?Yes, the program is open to new ventures and accounts with no prior coverage, provided other underwriting factors are acceptable. Need help placing an account? Connect with a market specialist.

Overview of the PEO Program from Novatae Risk Group Novatae Risk Group offers a specialized PEO solution tailored for staffing companies that face challenges securing workers' compensation coverage in the standard market. Through our program, agents and brokers can find placement options for difficult staffing accounts—particularly those affected by high experience mods, prior losses, tough class codes, or multi-state exposures. Our PEO for Difficult Staffing Accounts, powered by Empire Underwriters, delivers flexible and creative alternatives to state funds, assigned risk pools, or carriers who are unwilling to renew. With access to top-rated AM Best carriers and a wide range of program structures, we help you place hard-to-write risks efficiently and competitively. Ideal Accounts and Target Classes Staffing firms exiting state funds or assigned risk pools Accounts with X-Mods between 1.30 and 3.0 Clients recently non-renewed or cancelled due to losses Risks with a lapse in coverage (case-by-case basis) Multi-state staffing firms or those with adverse underwriting history Target staffing classes include Construction, Light Industrial, Healthcare, IT/Technical, Clerical, Administrative, Hospitality, and Skilled Trades. We will consider most class codes, depending on the state and risk profile. Example: You might be working with a staffing agency that places light industrial workers across three states and was recently dropped by its carrier after a year of losses. That’s a strong candidate for our PEO program. Coverage Highlights and Program Benefits Custom-tailored solutions for each account High Deductible and Retroactive Plans available Dividend or Return of Premium eligibility (case-by-case) Loss control and risk management support Fair and expert claims handling Automatic renewals with minimal to no audits HR services and optional benefits administration (ACA compliant) Pay-As-You-Go billing and optional zero premium deposits Full-service payroll with tax filing (941s, W-2s, etc.) Multiple Coordinated Policy Programs (MCCP) Master Policy options aligned with NCCI guidelines Fast turnaround on quotes Commissions Great Commissions – Ranges from 6% to 10% of workers' compensation premium, depending on risk class and account size. Submission Requirements Completed Acord 130 Three years of loss runs Loss affidavit for accounts with no prior or lapse Explanation for any claim over $20,000 Current Experience Mod sheet Class-specific supplemental application (Click here for Supplementals) Territories and Availability Our PEO program is available in all U.S. states except monopolistic fund states. We currently write business in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, 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, WV, WI. Why Work With Novatae Risk Group? As a leading managing general underwriter and E&S broker, Novatae Risk Group delivers access to over 12 top-rated carriers including AIG, Zurich, Hartford, Amtrust, Argonaut, State National, and more. We specialize in placing tough-to-insure staffing risks and provide agents with market access, underwriting expertise, and fast service to help you close more business. Whether you're helping a client transition out of an assigned risk pool or dealing with a tough class code, Novatae gives you the tools and options to find a competitive solution. Frequently Asked Questions What types of accounts are a good fit for this PEO program?Staffing companies facing non-renewal, high X-Mods, prior losses, or those exiting state funds are ideal. We also accept multi-state risks and tough class codes. Do you offer coverage in all states?We write in all states except monopolistic fund states, including CA, FL, TX, NY, and many others. What carriers do you work with for this program?We have access to over 12 top-rated carriers including AIG, Zurich, Hartford, Amtrust, Argonaut, and more. How fast can I get a quote?We offer quick turnaround on most submissions, provided all required documents are complete and accurate. What documents are needed to submit an account?You'll need a completed Acord 130, three years of loss runs, Experience Mod sheet, explanations for large claims, and a class-specific supplemental form. Need help placing an account? Connect with a market specialist.