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... managing public events, these organizations rely on their people to achieve t...each groups, and other charitable organizations with blue, gray, or white coll...

...: Adoption agencies Agricultural cooperatives Chambers of commerce Charitable organizations Clubs and social groups C...uestions What types of non-profit organizations are eligible for this program?...

Agriculture Workers Compensation Insurance can be difficult to place, especially for high-hazard or distressed accounts. Through Novatae Risk Group’s program, powered by Empire Underwriters, independent agents and brokers gain access to a reliable market backed by an "A"-rated carrier. This exclusive program is designed to help you secure workers' compensation coverage for a wide range of agriculture and farm-related risks, including those that are traditionally hard to write. Whether you're working with a new venture, a client with a high experience mod (MOD 1.30+), or an account that’s been declined, non-renewed, or lapsed, Novatae provides flexible solutions. Our brokers bring over 20 years of experience handling workers compensation placements and specialize in creative strategies for tough accounts. We move quickly and offer custom account handling to help you meet your clients’ deadlines and risk management needs. To discuss your Agriculture Workers Compensation Insurance accounts, call our experienced brokers at 800-758-8113. Ideal Accounts and Appetite: Experience Mods of 1.30 or higher High-hazard or tough-to-place classes Blue, gray, and white collar agriculture-related operations Accounts currently in state pools or assigned risk funds Distressed, lapsed, cancelled, or non-renewed accounts New ventures without prior coverage Multi-state exposures Coverage Highlights and Program Features: Access to multiple "A"-rated carriers Fast quote turnaround Standalone workers compensation available Guaranteed cost options Integrated workers comp solutions Dividend and retroactive plans High deductible programs Custom account handling by experienced brokers Submission Requirements: Completed ACORD 130 application 3–4 years of currently valued loss runs Details on any large losses Supplemental questionnaire (industry-specific) Underwriting Notes and Minimum Premiums: The minimum premium for this program starts at $10,000. Our underwriters are experienced in evaluating complex risks and can work with you to find a solution, even for accounts with challenging histories or higher-than-average claims activity. Territories and Availability: This program is available in most states, including but not limited to: 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. Carriers and terms may vary by state. Why Work With Novatae Risk Group: Novatae Risk Group, through Empire Underwriters, offers solutions for hard-to-place agriculture workers compensation accounts. We are a Managing General Underwriter and Excess & Surplus Lines Broker with access to a wide range of markets and decades of specialized experience. Our team is known for responsive service, expert underwriting, and creative problem-solving. Need a quote for Agriculture Workers Compensation Insurance? Email 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 ideal for agriculture-related businesses with high MODs, multi-state operations, prior losses, or those in state pools. New ventures are also welcome. Is this program available for distressed or lapsed policies?Yes. We specialize in handling distressed accounts, including those that have been cancelled, non-renewed, or have a lapse in coverage. How quickly can I get a quote?Most quotes are turned around quickly once all required submission materials are received, including ACORD applications and loss runs. Are multi-state exposures eligible?Yes, multi-state operations are one of our specialties, and we can help you find solutions for complex geographic risks. What is the minimum premium for this program?The minimum premium starts at $10,000, though pricing will vary based on risk characteristics and underwriting review. Need help placing an account? Connect with a market specialist.

...for agents and brokers placing agricultural transport risks—including harder-t...m supports regional and long-haul agricultural haulers. Are both admitted and ...

...s are typically not-for-profit organizations in which members share aircraft u...not-for-profit clubs and excludes organizations that provide aircraft for comm...

... both for-profit and nonprofit organizations?Yes. Novatae’s program accepts bo...

...nry Non-Profit Organizations Nursing Homes ...

...rcial applicators, large-scale agricultural operations, or accounts with signi...

Installers of burglar alarms, fire alarms, and central monitoring systems face daily challenges—from stiff competition to rapidly changing technology. With Novatae Risk Group’s Alarm Installation Workers Compensation Insurance program, you can place your alarm contractor accounts with confidence and pass reliable coverage and competitive pricing along to your clients. Novatae Risk Group works with multiple markets to deliver a focused Workers Compensation solution for alarm installation contractors. Our program is structured to simplify placement for agents while addressing the specific exposures of the trade. Please contact us at 800-758-8113 to speak to our experienced brokers about your Alarm Installation Workers Compensation Insurance accounts. Program Features: Only $7,500 Minimum Premium Program Highlights: 10% commission Fast turnaround for quotes with completed application Coverage available in over 20 states Submissions: Acord 130 3 Years Loss Runs Supplemental Questionnaire Details on Large Losses Overview of the Program From Novatae Risk Group This program is designed specifically for contractors who install, service, and monitor alarm systems. Novatae Risk Group, acting as a managing general underwriter and excess & surplus lines broker, places these accounts with carriers that understand the trade’s unique exposures—field work, ladder and rooftop access, small-contractor payrolls, and installation-related risks. Ideal Accounts and Appetite Small to mid-sized alarm installation contractors and low-volatility service firms Companies performing burglar alarm, fire alarm, CCTV, access control, and central station monitoring installation and service Accounts with organized safety programs and documented loss history Typically not a fit: contractors with recent large or catastrophic losses, significant payroll outside the stated classes, or high-risk specialty contracting unrelated to alarms. Coverage Highlights and Advantages Program tailored to alarm trade exposures with flexible market access (carriers vary) Fast quote turnaround when submission requirements are complete Competitive terms for well-documented accounts and risk-managed operations Underwriting Notes and Minimum Premiums Underwriting requires a completed Acord 130, three years of loss runs, and the supplemental questionnaire. Provide details on any large losses to avoid delays. The program carries a minimum premium of $7,500; specific terms and pricing depend on the carrier selected. 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. Placement may be admitted or non-admitted depending on state and carrier—please confirm on a per-submission basis. Why Work With Novatae Risk Group on Alarm Installation Workers Comp Specialized program focus that helps match alarm contractors with appropriate markets Quick response for complete submissions and access to multiple carriers (carriers vary) Experienced underwriting that understands installation exposures and can evaluate complex loss histories Example account: You might have a three-person alarm installation and service firm with steady payroll, a clean three-year loss run, and routine ladder/roof work—this program can offer market options with competitive terms and prompt quoting. Do you need a Workers Compensation Insurance Quote for your Alarm Installation client? 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 alarm contractors are a good fit for this program?Small to mid-sized firms that install and service burglar alarms, fire alarms, access control, CCTV, and central monitoring systems are ideal—especially those with organized safety practices and three years of loss history. What submission materials are required to get a fast quote?Provide a completed Acord 130, three years of loss runs, the supplemental questionnaire, and details on any large losses. Complete submissions receive the quickest turnaround. Is this program admitted or non-admitted?Availability depends on the state and the carrier selected. Novatae Risk Group places business in both admitted and excess & surplus markets as appropriate for the account. What is the minimum premium for this program?The program has a minimum premium of $7,500. Final pricing and terms depend on the carrier and underwriting review. Who should I contact to start a submission?Send the required submission materials via email to the program mailbox or call the listed phone number to reach an underwriter; include payroll and loss run details to speed processing. Need help placing an account? Connect with a market specialist.