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Consultants Professional Liability Program fro...niche specialties like wine or zoo consultants. Can I submit accounts that hav...

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In today’s litigious environment, professionals across a wide range of industries face increasing exposure to claims of negligence, errors, or omissions in the services they provide. These risks can lead to costly legal battles, financial losses, and reputational harm. For agents and brokers seeking a reliable market for professional liability coverage, Veracity Insurance Solutions, LLC offers a flexible and competitive solution. Professional Liability Coverage From Veracity Insurance Solutions Veracity Insurance Solutions provides tailored professional liability insurance for over 200 classes of business. With policies available in all 50 states, our program is designed to meet the needs of both established professionals and startups alike. We offer fast turnaround, low minimum premiums starting at $500, and access to both admitted and non-admitted carriers. Ideal Accounts and Target Classes Our broad underwriting appetite includes many hard-to-place and emerging risks. Some of our key target classes include: Architects & Engineers Manufacturers E&O Contractors Professional Liability Media & Social Media Companies Technology Firms and Web Designers Allied Health Professionals Fitness Instructors Miscellaneous Professional Services These are just a sample of the classes we serve. With over 200 eligible business types, chances are we can accommodate your client’s specific needs. Coverage Highlights and Advantages Veracity’s professional liability policies are built to protect against third-party claims arising from alleged negligence, errors, or omissions in the course of the insured’s professional duties. Our coverage is customizable and comes with several key benefits: Made claims forms Low premiums and deductibles Available through both admitted and non-admitted carriers Breach of contract coverage Intellectual property rights protection Whether your client is launching a new venture or expanding their services, we have the tools to help them stay protected. Underwriting, Minimum Premiums, and Program Flexibility Our team offers in-house underwriting authority, allowing us to move quickly and efficiently. We welcome new ventures and startups and can work with you to structure a policy that fits your client’s operations. The minimum premium for this program is $500, making it accessible for smaller or emerging businesses. Available Nationwide Veracity’s professional liability program is available in all 50 states and the District of Columbia. Whether your client operates locally or nationally, we can provide the right coverage solution. Why Choose Veracity Insurance Solutions? As a wholesale broker with deep expertise in specialty liability risks, Veracity Insurance Solutions offers agents the advantage of broad market access, fast quoting capabilities, and knowledgeable underwriting support. Our mission is to help you place more business, faster and more efficiently. From tech startups to established healthcare professionals, our professional liability program is built to support a wide range of client needs. Let us be your go-to market for this critical coverage. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for professionals across 200+ classes, including architects, engineers, media companies, fitness instructors, and tech firms. Can you write coverage for new ventures or startups?Yes, we welcome new ventures and startups. Our underwriting team can tailor coverage for businesses of all sizes and stages. Is this program available in all states?Yes, Veracity offers professional liability insurance in all 50 states and the District of Columbia. Are both admitted and non-admitted carriers available?Yes, we work with both admitted and non-admitted markets to provide flexible coverage options. What is the minimum premium for this program?The minimum premium starts at $500, making this program accessible for small businesses and solo professionals. Need help placing an account? Connect with a market specialist.

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.

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.

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.