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Overview of the Program From Northern States Agency Northern States Agency, Inc. (NSA), a trusted Managing General Agency and Excess & Surplus Lines Broker, has been serving independent insurance agents since 1953. Located in St. Paul, Minnesota, NSA brings over 70 years of underwriting experience and market knowledge to help agents place standard and hard-to-place commercial risks. Whether you’re looking for traditional coverage or need options for unique exposures, NSA offers broad access to various carriers and a deep understanding of E&S markets. Ideal Accounts and Appetite NSA specializes in hard-to-place and unusual risks that may not qualify for standard markets. Their underwriting appetite includes a wide range of commercial operations, with particular strength in: Commercial Auto Fleets (10+ power units) Garage and Auto Dealer Operations Trucking and Transport Risks Businesses with Excess Auto Liability Needs Contractors and Small Manufacturers Professional Services with E&O or D&O Exposures For example, you might have a client with a regional delivery fleet or an auto service operation with unique liability exposures. NSA can provide tailored solutions for these accounts, even when standard carriers decline. Coverage Highlights and Advantages NSA offers access to a wide array of commercial coverages through both admitted and non-admitted markets, depending on the risk and state. Available coverages include: Commercial Auto Insurance Garage and Auto Dealer Liability Excess Auto and General Liability General Liability and Umbrella/Excess Liability Directors & Officers (D&O) Liability Employment Practices Liability Insurance (EPLI) Miscellaneous Professional Liability Errors & Omissions (E&O) Property and Inland Marine NSA leverages relationships with numerous carriers to help you secure the right coverage at competitive terms for your clients' specific needs. Underwriting Notes and Minimum Premiums NSA evaluates each submission on its own merits, focusing on the risk’s operational details and loss history. While minimum premiums vary by carrier and line of coverage, the program is well-suited for mid-sized and larger accounts, particularly those requiring fleet or excess liability solutions. Submissions with complete information and clear risk narratives will receive the most responsive service. Territories and Availability NSA works with thousands of independent agents across the upper Midwest, offering access to this program in: Minnesota Wisconsin Iowa South Dakota North Dakota Nebraska Michigan Illinois Nationwide availability is also offered for certain classes, including auto fleets with 10 or more power units and excess auto/general liability placements. Why Work With Northern States Agency? With decades of experience and a regional focus, NSA is a valuable partner for agents seeking reliable underwriting support and market access. Their team understands the complexities of E&S placements and is committed to providing timely responses, flexible solutions, and a collaborative approach. If you’re looking to grow your commercial book with hard-to-place or specialty risks, NSA can help you deliver results for your clients. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include commercial auto fleets, garage and dealer operations, risks needing excess liability, and professional service firms with E&O or D&O exposures. Which states is this program available in?This program is available in Minnesota, Wisconsin, Iowa, South Dakota, North Dakota, Nebraska, Michigan, and Illinois. Select coverages are also accessible nationwide. Can NSA place hard-to-insure or non-standard risks?Yes, NSA specializes in hard-to-place and non-standard commercial risks, especially those that fall outside of standard carrier appetite. What minimum premium should I expect?Minimum premiums vary by risk and carrier, but this program is best suited for mid-sized to larger accounts, especially those with fleet or excess liability needs. What carriers does NSA work with?NSA works with a variety of admitted and non-admitted carriers, allowing them to tailor coverage solutions to the specific needs of your clients. Need help placing an account? Connect with a market specialist.

From single-family homes to large commercial structures and critical infrastructure, demolition contractors perform inherently high-risk work that requires specialized insurance solutions. Whether your client is clearing sites for new construction, removing hazardous materials, or assisting with disaster recovery, these operations create exposures many standard markets will not accept. Novatae Risk Group provides access to tailored Workers' Compensation for demolition contractors who are difficult to place in the standard market. Through our Non-Standard Worker Comp Insurance for Demolition Contractors program, Novatae combines flexible placement options, pragmatic underwriting, and proactive claims and loss-control support. We focus on accounts that fall outside traditional carrier appetites—offering practical, market-aware solutions built from decades of experience serving the construction trades. Ideal Accounts and Appetite Demolition contractors with high-risk operations, difficult class codes, or multi-trade exposures Accounts with Experience Mods (X-Mods) between 1.30 and 3.00 Producers needing alternatives for clients non-renewed or cancelled for loss history or exposure Businesses in state-assigned risk pools or declined by standard markets Insureds with no prior coverage, recent lapses, or adverse underwriting histories Operations with manual rates roughly in the $8–$50+ range and other complex risk profiles Example: You might have a demolition contractor recently dropped by a standard carrier after a surge in claims, or a new multi-state startup with no loss history. Those are the types of accounts Novatae underwrites through this program. Program Features and Advantages Pay-As-You-Go premium structure with no premium deposit required No audits—streamlined administration reduces administrative burden Improved cash flow and predictable billing options for insureds Full payroll services including tax remittance, 941s, W-2s, and payroll compliance support Optional in-house payroll check cutting Flexible placement via PEO, ASO, or non-PEO solutions depending on account needs Comprehensive HR services: COBRA, wage garnishment, and unemployment claims handling Dedicated loss control, active risk management consulting, and fair claims handling High-retention program—coverage stays in force until cancelled Underwriting Notes and Minimum Premiums We underwrite each account to identify the most appropriate market and placement structure. Minimum premiums vary by state and by carrier; underwriting will reflect the insured’s class codes, payroll, loss history and exposure profile. Typical submission requirements follow. Submission Requirements ACORD 130 application Supplemental form describing class of work (available on our website) Three years of loss history (loss runs) Loss History Affidavit for accounts with no prior coverage or a lapse Explanation for any claim over $20,000 Current Experience Mod sheet Not a Fit for This Program Accounts readily eligible for the standard market Policyholders shopping only for lower rates without a true placement need Low X-Mod accounts with strong loss histories that standard carriers will accept Risks that do not match the eligibility criteria above Markets and Availability This non-standard Workers' Compensation program is available in most U.S. states. It is not available in North Dakota, Ohio, Washington, or Wyoming. Market access and minimum premiums vary by state and by carrier selection; Novatae leverages a broad panel of admitted and E&S carriers to place eligible accounts. Why Work With Novatae Risk Group? As a Managing General Underwriter and Excess & Surplus Lines broker with more than 30 years of experience, Novatae Risk Group specializes in tough-to-place contractors’ Workers' Compensation. Agents gain access to experienced underwriters, multiple placement structures (PEO, ASO, non-PEO), and dedicated service for payroll, HR, loss control, and claims management—helping you keep challenging accounts insured and compliant. Need a Non-Standard Workers' Comp quote for a demolition contractor? Send an email to [email protected] with your submission or call 800-758-8113 to speak with an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best 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. The 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, the class-specific supplemental form, three years of loss runs, a loss affidavit if there’s no prior coverage, explanations for claims over $20K, and the current Experience Mod. Is this a PEO program only?No. While PEO placement is available, Novatae also offers ASO and non-PEO options depending on the client’s eligibility and needs. In which states is this program available?The program is available in most U.S. states, excluding North Dakota, Ohio, Washington, and Wyoming. Market availability may vary by state. Need help placing an account? Connect with a market specialist.

Workers Compensation Insurance for Residential Care Facilities Novatae Risk Group offers a dedicated Workers Compensation program tailored for Residential Care Facilities. As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae provides focused underwriting and wholesale placement support to help agents place workers compensation for assisted living facilities, group homes, memory care centers, recovery residences, and similar operations. This program is designed to address the specific exposures and operational challenges common to residential care settings. Ideal Accounts and Appetite The program is appropriate for a broad range of residential care operations, including: Assisted living facilities Group homes for developmentally disabled adults Substance abuse recovery homes Senior housing and memory care centers Novatae favors accounts with stable management, documented employee training, and active safety programs. Typical fits are small to mid-sized facilities with clear hiring and supervision practices. Generally, accounts with chronic staffing issues, unmanaged high-severity claims, or operations outside standard residential care services may require further review or be declined. Example scenarios: you might have a 20-bed assisted living home with three years of clean loss history seeking more competitive terms; or a group home expanding to a second site that needs consistent workers comp coverage across states — both are the types of accounts this program is intended to serve. Coverage Highlights and Advantages Only $7,500 Minimum Premium 10% commission for appointed agents Fast turnaround on quotes with completed applications Coverage available in over 20 states The program emphasizes responsiveness and flexibility: streamlined submissions, clear underwriting guidance, and wholesale market access. Novatae’s team understands the nuances of claims patterns and payroll classifications common to residential care, which helps agents get accurate pricing and placement decisions quickly. Underwriting Requirements To submit an account for review include the following: ACORD 130 application 3 years of currently valued loss runs Completed supplemental questionnaire Details on any large or open losses Complete submissions help accelerate quotes. Note the program minimum premium is $7,500. Underwriting will consider payroll mix, staffing levels, licensing, and training programs when assessing risk and market options. Territories and Market Access Coverage is 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. Novatae places business in admitted and non-admitted markets depending on state availability and the specifics of each account. Market access and terms will vary by state and carrier appetite. Why Work With Novatae Risk Group? Novatae brings sector-specific underwriting expertise in healthcare and human services. As a managing general underwriter and wholesale broker, Novatae combines direct market relationships with pragmatic underwriting to help agents place challenging residential care risks. You can expect consultative support on classifications, loss-control suggestions, and timely responses on submissions. Do you need a Workers Compensation Insurance Quote for your Residential Care Facility 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 accounts are a good fit for this program?This program is ideal for assisted living facilities, group homes, memory care centers, and other residential care operations with stable management and documented safety procedures. What is the minimum premium for this Workers Compensation program?The minimum premium starts at $7,500, making it appropriate for small to mid-sized residential care operations. What states is this program available in?Coverage is available in over 20 states, including CA, FL, TX, NY, and others across the South, Midwest, and West. What documents are required to submit a quote?Required documents include an ACORD 130 application, 3 years of loss runs, a supplemental questionnaire, and details on any large losses. How quickly can I expect a quote?With a complete submission, Novatae typically provides fast turnaround times to help you respond to your clients promptly. Need help placing an account? Connect with a market specialist.

Novatae Risk Group offers a specialized General Liability Insurance program tailored for Commercial and Residential Developers through Empire Underwriters. Designed for agents and brokers seeking flexible, dependable coverage solutions, this program is backed by over 20 years of underwriting expertise in construction-related risks. With access to both admitted and non-admitted markets—including select Underwriters at Lloyd's of London—Novatae provides a competitive edge for hard-to-place and high-exposure accounts. Our program is ideal for developers involved in mid- to large-scale construction projects, including both ground-up and renovation work. Whether you're working with new ventures or accounts with prior losses, we are equipped to handle challenging submissions with a responsive and knowledgeable underwriting team. Ideal Accounts and Appetite Shopping Centers, Malls, and Retail Plazas Tract Home and Custom Home Builders Condominium and Apartment Complex Developers Hi-Rise Construction Projects Accounts with Prior or Open Claims New Ventures and Lapsed Policies Multi-State Operations Paper Contractors Hard-to-Place or Tough Classes You might have a client developing a multi-unit condo building with prior claims history, or a new developer entering the market with a complex project. These are the types of accounts we can help you place. Coverage Highlights and Advantages Access to multiple carriers for flexible quoting Fast turnaround times on submissions Coverage available in most states on either admitted or non-admitted paper Capability to offer CG201185 equivalent endorsements Deep underwriting knowledge in construction and development risks Our brokers work directly with you to understand your client’s operations and identify the right coverage structure. We take pride in our consultative approach and attention to detail. Submission Requirements ACORD 124 & 126 Applications 3–4 Years of Loss Runs Explanation of Lapses in Coverage (if applicable) Details on Any Large Losses Supplemental Questionnaire Territories and Availability This program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, and WV. We provide coverage through admitted and non-admitted carriers depending on the state and risk profile. Why Work With Novatae Risk Group As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group offers agents a trusted resource for placing complex construction liability risks. Our relationship with Empire Underwriters delivers access to a broad market selection, timely service, and seasoned underwriting insight. We welcome hard-to-place accounts and are committed to helping our broker partners grow their construction books with confidence. Please contact us at 800-758-8113 to speak to our experienced brokers about your Residential and Commercial Developer General Liability Insurance accounts. Do you need a General Liability Insurance quote for your Commercial and Residential Developer accounts? Email your submission to [email protected] or call 800-758-8113 to connect with an underwriter today. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for commercial and residential developers, including tract home builders, condo developers, high-rise construction, and accounts with prior claims or lapses in coverage. Can you help with new ventures or accounts with no prior coverage?Yes, we welcome new ventures and are experienced in handling accounts without prior coverage or with lapsed policies. Are both admitted and non-admitted options available?Yes, we offer both admitted and non-admitted options through multiple carriers, including certain Underwriters at Lloyd's of London. What states is this program available in?Coverage is available in most states, including CA, FL, TX, NJ, and many others. Please refer to the full list above for all eligible states. What documents are needed to submit an account?We require ACORD 124 and 126 forms, 3–4 years of loss runs, a supplemental questionnaire, and details on any large losses or lapses in coverage. 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.