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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.

...mod worksheet, and any required affidavits or claim explanations for large los...

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.

Novatae Risk Group, in partnership with Empire Underwriters, offers a specialized Non-Standard Workers’ Compensation program tailored to heavy construction contractors. Designed to place difficult-to-insure risks outside the standard market—because of high experience mods, adverse loss history, or challenging class codes—this program pairs over 30 years of market experience with dedicated brokerage support to deliver practical, customizable coverage solutions for your clients. Ideal Accounts and Appetite Contractors operating heavy equipment or performing heavy construction with class codes showing manual rates typically from $8 to $50+. Accounts with experience mods (X-Mods) generally between 1.30 and 3.0. Prospects facing non-renewals, cancellations, or insurer declinations due to claims activity or class exposure. Insureds exiting state-assigned risk pools or other “insurer of last resort” programs. Accounts with lapsed coverage, limited prior coverage, or adverse loss experience. New ventures with no prior coverage that operate in tough classes or across multiple states. Complex submissions that the standard market cannot serve because of combined underwriting challenges. This program is not intended for accounts that have standard-market offers, low loss picks, or are simply rate-shopping. Coverage Highlights and Advantages Pay-As-You-Go non-standard workers’ compensation with no premium deposit required. No premium audits—simplifies administration and improves cash flow. Meaningful cash-flow advantages for insureds and reduced administrative burden for brokers. Comprehensive loss control and risk management services to help reduce frequency and severity. Fair, responsive claims handling backed by experienced adjusters. HR support services that include unemployment claims, wage garnishments, COBRA administration, and more. Full payroll services with tax compliance (941s, W-2s, etc.) and the option for clients to cut payroll checks in-house. Flexible servicing options: ASO (Administrative Services Only) or PEO/employee leasing where appropriate. High-retention product structure—coverage remains in force until canceled. Underwriting Requirements Completed ACORD 130 form. Supplemental application specific to the class of work. Three years of loss runs. Loss history affidavit for accounts with coverage lapses or no prior coverage. Detailed explanation for individual claims exceeding $20,000. Experience Mod worksheet (Experience Mod Sheet). Territories and Availability This 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 availability, admitted vs. surplus lines placement, and specific terms may vary by state and submission. Why Work With Novatae Risk Group Novatae Risk Group, together with Empire Underwriters, combines deep expertise in high-risk and non-standard workers’ compensation with broad carrier access. As a managing general underwriter and excess & surplus lines broker, we can place business in admitted and E&S markets as appropriate and offer tailored solutions for accounts that standard markets decline. Our underwriting team works collaboratively with agents to evaluate complex loss histories, structure competitive terms, and expedite placement. Representative submission scenarios you might bring to this program: A regional heavy-equipment contractor with a 1.8 experience mod and multiple prior claims seeking continuous coverage after a state-assigned pool offer expires. A multi-state startup in heavy civil construction with no prior workers’ comp coverage but high manual rates and planned interstate projects. Need a Non-Standard Workers’ Comp quote for a heavy construction client? Send 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 program?This program is best for heavy construction contractors with elevated experience mods, prior significant losses, or those leaving state-assigned risk pools. New ventures in tough class codes or multi-state operations can also qualify under the right circumstances. Is prior coverage required to qualify?No. Prior coverage is not required. Accounts with no prior coverage may be eligible if they meet other underwriting criteria such as high-risk class codes, acceptable financials, and clear explanations for any gaps. What documentation is required for submission?Typical requirements include a completed ACORD 130, the supplemental application for the class, three years of loss runs, an Experience Mod Sheet, and explanations for claims over $20,000. Additional documentation may be requested for lapses or complex claims histories. Can this program be used for multi-state operations?Yes. Multi-state operations are eligible provided the locations fall within the program’s approved territories and meet state-specific underwriting guidelines. Interstate exposure is considered during evaluation. What makes this program different from standard market workers' comp?This program is built for risks the standard market often declines. It offers pay-as-you-go billing with no deposit, no premium audits, flexible ASO or PEO options, robust HR and payroll support, and targeted loss control services designed for heavy construction exposures. 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.