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Novatae Risk Group offers a focused Cabinet Maker Workers Compensation Insurance program to help agents and brokers place workers’ compensation for businesses in the custom woodwork and cabinetry industry. Whether your client works in residential remodels, commercial construction, or produces high-end custom cabinetry, this program provides tailored workers’ comp solutions backed by an “A”-rated carrier. Our underwriting team has a strong appetite for a broad range of cabinetmaking operations and delivers competitive options with fast service. Novatae underwrites accounts from small artisan shops to larger manufacturers with multi-location operations or mobile installation crews. We understand the exposures in manufacturing, finishing, and on-site installation and structure terms to reflect those unique risks. Ideal Accounts and Appetite Custom cabinet makers, woodworking shops, and millwork shops Residential and commercial cabinet installation contractors Manufacturers that use on-site or mobile installation teams Accounts with clean to moderate loss histories You might have a client who recently added on-site installation crews and needs a market that understands mobile exposures, or a growing cabinet manufacturer seeking more competitive workers’ comp placement. Those are typical good fits for this program. Program Highlights Coverage available in over 20 states Fast quote turnaround with complete submissions 10% commission for producers Access to an “A”-rated carrier for stability and reliability Underwriting Requirements and Minimum Premium The program’s minimum premium starts at $7,500. To obtain a quote, submit a complete file including: Completed ACORD 130 application Three years of currently valued loss runs Supplemental questionnaire Details for any large or unusual losses Complete submissions help us accelerate turnaround and improve placement outcomes. Territories and Availability Novatae’s Cabinet Maker Workers Compensation program is currently 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, and WV. Why Work With Novatae Risk Group As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group brings niche expertise in specialty construction and manufacturing accounts. We combine flexible underwriting, broad market access, and responsive service to help you place cabinet maker workers’ comp business quickly and competitively. Need a workers’ compensation quote for a cabinet maker client? Send submissions to [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of cabinet making businesses are eligible for this Workers Comp program?We accept a wide range of accounts, including custom woodworkers, cabinet manufacturers, and installation contractors serving residential and commercial markets. What documents are required to receive a quote?Submit a completed ACORD 130, three years of loss runs, a supplemental questionnaire, and details on any large losses to receive a quote. What is the minimum premium for this program?The minimum premium starts at $7,500, making the program suitable for small to mid-sized operations. In which states is this program available?The Cabinet Maker Workers Comp program is available in over 20 states, including CA, FL, TX, and NY. Refer to the territories list above for the full state roster. How quickly can I get a quote?With a complete submission, Novatae aims to provide fast turnaround on quotes so you can move accounts efficiently. Need help placing an account? Connect with a market specialist.

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California contractors face unique challenges when securing quality Workers Compensation Insurance, especially when dealing with high-risk classes or new ventures. Novatae Risk Group offers a tailored solution through our A Rated California Contractors Workers Comp Insurance Program, designed specifically to help independent insurance agents like you place and retain more contractor business in California. This program is backed by an A Rated Admitted Carrier and is available exclusively in California. Whether your client is a seasoned contractor or a new venture, we provide competitive options for a wide range of industries and risk classes. Our experienced team understands the nuances of contractor exposures and is ready to help you find the right fit for your accounts. Ideal Accounts and Appetite This program is ideal for agents looking to place Workers Comp for both standard and tough-to-place California contractors. We have an appetite for: New ventures with clean operations Contractors with prior loss history (with explanations) Hard-to-place classes such as roofing, concrete, and excavation Accounts needing standalone Workers Comp policies You might have a client who just launched a drywall installation company or a plumbing contractor expanding operations. We can help you place these accounts competitively and efficiently. Coverage Highlights and Advantages "A" Rated by A.M. Best Admitted carrier in California Standalone Workers Compensation policies New ventures accepted Monthly self-reporting options Up to 10% commission for agents Flexible underwriting for tough classes Underwriting Requirements To submit a risk for consideration, please include the following: Completed Acord 130 3–4 years of loss runs No lapses in coverage Details on any large losses California Contractors Workers Comp Supplemental Questionnaire Sampling of Eligible Classes 0042 Landscaping 5027/5028 Masonry 5107 Door or Window Installation 5140/5190 Electricians 5186 Sprinkler Installation 5187 Plumbing 5201/5205 Concrete Construction 5348 Tile Installation 5446/5447 Drywall Installation 5474/5482 Painters and Waterproofing 5484/5485 Interior Plastering 5506/5507 Street or Road Construction 5538/5542 Sheet Metal 5645/5697 Carpentry 6218/6220 Excavation 6307/6308 Sewer Construction 9008 Janitorial 9009 Building Operations 9015 Building Maintenance Territory and Program Availability This program is available exclusively in California and is written through an Admitted, A Rated Carrier. Minimum premium varies by class and risk profile. Why Work With Novatae Risk Group? Novatae Risk Group is a trusted Managing General Underwriter and Excess & Surplus Lines Broker with deep expertise in the construction sector. We provide responsive service, flexible underwriting, and access to competitive carriers—so you can close more business and retain your contractor clients. Our team is ready to help you navigate complex submissions and deliver reliable Workers Comp solutions that fit your insured’s needs. Need a Quote? Send your submission to [email protected] or call an underwriter directly at 800-758-8113. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for California-based contractors, including new ventures and those in higher-risk trades such as concrete, drywall, excavation, and plumbing. Can I submit risks with loss history?Yes, accounts with prior losses can be considered, but you must include detailed explanations and loss run reports. Is this a good option for new ventures?Absolutely. New ventures are eligible under this program, provided they meet underwriting criteria and have no lapses in coverage. What documents are required to submit a risk?You’ll need a completed Acord 130, 3–4 years of loss runs, a supplemental questionnaire, and details on any large losses. What commission structure is offered to agents?This program offers competitive commissions, with up to 10% available based on the account and carrier terms. Need help placing an account? Connect with a market specialist.

Standalone California Workers Comp Insurance Program from Novatae Risk Group Novatae Risk Group offers a focused Standalone California Workers Comp Insurance program built for contractors and other hard-to-place classes operating in California. Backed by admitted, A-rated carriers and flexible underwriting, this program helps agents and brokers place challenging workers’ compensation accounts that may not fit traditional markets. Ideal Accounts and Appetite This program targets a broad set of contractor and labor-intensive classes across California. It’s a strong fit for accounts such as: Construction trades — masonry, carpentry, drywall, plumbing, electrical Janitorial and building maintenance services Excavation, street and road work, and sewer construction New ventures with no prior coverage history (provided there are no lapses) Businesses with difficult class codes or limited market options due to prior losses Example scenarios: a new plumbing contractor seeking first-time standalone workers’ comp, or a drywall installer with a few years of loss history that needs an admitted, standalone policy—both are types of accounts Novatae’s program will consider. Highlights and Features: Admitted paper with A-rated carriers Standalone Workers Comp — no package required New ventures eligible when there are no prior coverage lapses Monthly payroll self-reporting option available Up to 10% commission potential High-risk and tough classes considered Submission Requirements To speed underwriting and improve placement chances, include the following with your submission: Completed ACORD 130 application 3–4 years of currently valued loss runs No lapse in coverage (lapses are not acceptable) Details on any large or catastrophic losses California Contractors Workers Comp Supplemental Questionnaire Sampling of Eligible Class Codes 0042 Landscaping 5027/5028 Masonry 5107 Door or window installation 5140/5190 Electricians 5186 Sprinkler installation 5187 Plumbing 5201/5205 Concrete construction 5348 Tile installation 5446/5447 Drywall installation 5474/5482 Painters and waterproofing 5484/5485 Interior plastering 5506/5507 Street or road construction 5538/5542 Sheet metal work 5645/5697 Carpentry 6218/6220 Excavation 6307/6308 Sewer construction 9008 Janitorial services 9009 Building operations 9015 Building maintenance Territories and Carrier Info This workers’ compensation program is available exclusively in California. Novatae partners with admitted, A-rated carriers to provide admitted paper that meets state requirements and offers financial stability for your clients. Why Partner with Novatae Risk Group? Novatae Risk Group operates as a Managing General Underwriter and an Excess & Surplus Lines broker with deep experience placing niche and difficult-to-place workers’ comp risks. The team offers responsive underwriting, practical loss-history evaluation, and direct access to underwriters who understand California’s market. That combination helps you secure placement for new ventures, higher-mod accounts, and hard classes that other admitted markets may decline. Do you need a California Contractors Workers Comp Insurance Program 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 tailored to California contractors, janitorial services, and other labor-intensive industries — including tougher classes and new ventures. Can I submit a new business with no prior coverage?Yes. New ventures are acceptable provided there have been no lapses in coverage. What documentation is required to submit an account?Include a completed ACORD 130, 3–4 years of currently valued loss runs, details on any large losses, and the California contractors supplemental questionnaire. Are high-mod or loss-sensitive accounts eligible?Yes. Novatae considers higher-mod and loss-sensitive accounts as long as underwriting requirements are met and documentation is complete. Is this program available outside of California?No. This specific workers’ compensation program is available only in California. Need help placing an account? Connect with a market specialist.