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Overview of the New York Workers Compensation Insurance Program Novatae Risk Group offers a robust New York Workers Compensation Insurance Program designed to support agents and brokers in placing complex, high-risk, or hard-to-place accounts. Whether your client is a startup with no prior coverage or a large company in a high-hazard industry, this program provides flexible solutions tailored to the unique challenges of the New York market and surrounding states. Ideal Accounts and Appetite This program is ideal for accounts that may not qualify for standard markets, including those with: Experience Mods of 1.30 or higher High-hazard or tough class codes Blue, gray, and white-collar operations Placement in state pools or assigned risk funds Distressed, lapsed, or non-renewed policies New ventures and startups Multi-state operations, especially those based in or including New York You might have a client such as a road construction firm with prior losses or a staffing agency with multi-state workers—both are examples of accounts that could be eligible under this program. Coverage Highlights and Program Features Fast turnaround times for quotes and submissions Access to multiple “A” rated carriers, including Hartford and Zurich Stand-alone Workers Comp policies available Guaranteed cost plans and integrated solutions Non-PEO and PEO/employee leasing options High deductible, dividend, and retroactive rating plans Consent to rate expertise Custom account handling and client check-writing options Sample Eligible Classes Agriculture Assisted Living Bridge & Road Construction Carpentry Concrete & Asphalt Dirt Work Elderly Care Facilities Excavation Farms In-Home Care Iron & Steel Line Maintenance Logging Machine Shop Maid Services Manufacturers Masonry Non-Profit Organization Nursing Homes Oil & Gas Paving Pipeline Retail Roofing Sawmills Services Sheet Metal Staffing Companies Tower Erection Trucking & Transportation Submission Requirements Completed ACORD 130 application 3–4 years of loss runs Details on any large losses Supplemental questionnaire Territories and Market Access This program is available in New York, as well as surrounding states including Connecticut, Massachusetts, New Jersey, Pennsylvania, Rhode Island, and Vermont. With access to both admitted and non-admitted markets, Novatae Risk Group can structure solutions that meet your insured’s needs while maintaining flexibility across jurisdictions. Why Work With Novatae Risk Group? As a seasoned Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group brings deep underwriting expertise and access to several top-rated carriers. Their team specializes in complex and distressed Workers Compensation risks, offering responsive service, creative structuring, and a consultative approach. Whether you’re placing a start-up roofing contractor or a multi-state manufacturing group, Novatae can help you secure the right coverage and structure. Do you need a New York Workers Compensation Insurance Quote? 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 Workers Comp program?This program is ideal for high-hazard classes, distressed accounts, businesses with high MODs, new ventures, and those placed in state funds or pools. It also supports multi-state exposures. Can I submit accounts that have been cancelled or non-renewed?Yes, Novatae specializes in helping agents place lapsed, cancelled, or non-renewed Workers Comp policies, including those with gaps in coverage. What documentation is required to submit an account?You’ll need a completed ACORD 130, 3–4 years of loss runs, details on large losses, and a supplemental questionnaire. Do you offer stand-alone Workers Compensation policies?Yes, Novatae offers stand-alone Workers Comp solutions, as well as integrated and high-deductible options to meet different client needs. In which states is this program available?This program is available in New York, Connecticut, Massachusetts, New Jersey, Pennsylvania, Rhode Island, and Vermont. Need help placing an account? Connect with a market specialist.

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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.

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