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... program is ideal for: Retail bakeries Wholesale baking operations Comm...his bakery insurance program?Retail bakeries, wholesale baking operations, com...

...h limited or full-service delis, bakeries, or meat counters Locations with i...

...m built for hotels, restaurants, bakeries, grocery and retail food outlets. Th...ce and limited-service restaurants, bakeries, grocery and specialty food retai...

...nts and food-service operations, bakeries, florists, convenience stores, and s...

...Taverns - Delis - Pizzerias - Bakeries - Bodegas - Takeouts - Franchised...tion restaurants, pizzerias, delis, bakeries, takeouts, and neighborhood bars/...

... Auto parts couriers Bakeries Florists Home health car...ces, auto parts couriers, florists, bakeries, and home health care providers t...

Manufacturing operations carry a distinct set of risks—especially for Workers Compensation. Novatae Risk Group understands those complexities and offers a Manufacturing Workers Compensation Insurance program tailored for high-hazard and hard-to-place manufacturing accounts. Through our partnership with Empire Underwriters, we help brokers and agents place Workers Compensation coverage for a broad range of manufacturing classes. We work with manufacturers of plastics, metals, food products, industrial equipment, and more. Whether your client is a startup, has a high MOD, or has been declined elsewhere, our team has the underwriting experience and market access to pursue the right solution. Ideal Accounts and Appetite MOD 1.30 or greater High-hazard manufacturing classes Blue, gray, and white collar operations State fund or assigned risk pool accounts Accounts with lapses in coverage, cancellations, or non-renewals Startups and new ventures Multi-state operations Hard-to-place Workers Compensation risks If you have a manufacturing client with a challenging Workers Compensation history or a complex operations profile, we want to see it. For example, you might have a metal fabrication shop with prior large losses or a commercial bakery expanding into multiple states—both are strong candidates for this program. Coverage Highlights and Advantages Fast quote turnaround to keep placements moving Access to multiple "A"-rated carriers (varies by state) Stand-alone Workers Compensation policies Guaranteed cost, dividend, and retro-rated plan options High-deductible structures available Integrated, customized account handling and advocacy We focus on flexible, market-driven solutions. Whether the client prefers a traditional guaranteed cost policy or a high-deductible program, we’ll help structure the coverage to match the risk and budget. Underwriting Notes and Submission Requirements Minimum premium: $10,000 ACORD 130 application 3–4 years of loss runs Details on any large losses Completed supplemental questionnaire Including these documents with your submission will expedite review. Our underwriters evaluate each account promptly and will work with you on reasonable risk-management strategies when appropriate. States and Availability This program is available in most states, including 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. Market availability and carrier options may vary by state. We offer both admitted and non-admitted solutions depending on the risk and jurisdiction. Why Work With Novatae Risk Group? With more than 30 years of experience in the manufacturing sector, Novatae Risk Group and our partners know how to place complex Workers Compensation risks. We combine underwriting expertise, strong carrier relationships, and responsive service to help you place difficult accounts and deliver competitive terms to your clients. Need a quote for a manufacturing client? Email your submission to [email protected] or call us at 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of manufacturing businesses are eligible for this program?We can accommodate a wide range of manufacturers, including plastics, metals, food processing, industrial equipment, and similar sectors—especially those viewed as high hazard or hard to place. Can you help with accounts that have been cancelled or non-renewed?Yes. The program is designed to handle distressed and difficult accounts, including those that have been cancelled, non-renewed, or lack prior coverage. Is this program available for new ventures?Yes. We accept startup manufacturing businesses and new ventures, even if they have limited or no Workers Compensation history. What documents are required to submit a risk?Provide a completed ACORD 130, 3–4 years of loss runs, details on any large losses, and the supplemental questionnaire to start the underwriting review. Which states is this program available in?The program is available in most U.S. states. Carrier options and admitted status vary by state, so contact us to confirm market availability for your client's location. Need help placing an account? Connect with a market specialist.

...nd fast-casual concepts Cafés, bakeries, caterers, and small commissaries ...k-service and casual dining, cafés, bakeries, and bars with controlled alcohol...

Restaurants, Bars, Taverns Insurance Comprehensive Market Access for Hospitality Risks Ck Specialty Insurance Associates, Inc. offers a robust Restaurants, Bars, and Taverns Insurance program tailored to meet the needs of hospitality-focused retail agents. Whether you’re placing a family-style restaurant or a bar with live entertainment, Ck Specialty provides flexible and competitive solutions through their extensive market access. Ideal Accounts and Appetite Ck Specialty welcomes a wide range of hospitality classes, including but not limited to: Ø Family Restaurants Ø Caterers and Catering Trucks Ø Bars and Neighborhood Taverns Ø Social Clubs and Fine Dining Establishments Ø Delicatessens and Adult Entertainment Venues Ø Risks featuring dance floors, DJs, or live entertainment If you have clients in the food and beverage space with unique risk profiles or hard-to-place exposures, this program is designed to help meet those needs. Coverage Highlights and Advantages Coverages offered include, but are not limited to: Ø General Liability Ø Excess Liability Ø Property Ø Liquor Liability Ø Limited Assault & Battery You can confidently address the exposures of hospitality businesses that serve alcohol, host events, or experience high foot traffic, knowing you have access to comprehensive coverages through A-rated carriers. Underwriting Notes and Minimum Premiums Ck Specialty Insurance works with over 40 contracted markets, ensuring options tailored to different risk profiles. Minimum premiums typically start at $750, depending on the risk type and coverage structure. Both in-house binding authority and open brokerage markets are available, giving you the flexibility to place both standard and more complex or distressed accounts. Territories and Availability This hospitality program is currently available in Idaho, Washington, and Nevada. As a Western-state focused MGA and Surplus Lines Broker, Ck Specialty supports agents in accessing solutions throughout this regional footprint. Why Work With CK Specialty Insurance? Family-owned and operated, Ck Specialty Insurance is a trusted wholesale partner for independent agents seeking responsive service and hard-to-find hospitality markets. With access to both domestic and London-based markets, and a commitment to helping agents find competitive solutions, Ck Specialty is your go-to resource for Restaurants, Bars, and Taverns coverage. Whether you're placing a neighborhood bar with liquor sales or a fine dining restaurant with entertainment, Ck Specialty opens the door to solutions you can count on. Ck Specialty Insurance: Opening market doors…for you. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for restaurants, bars, taverns, catering businesses, social clubs, adult entertainment venues, and locations with live entertainment or dance floors. Is this program admitted or non-admitted?This is a non-admitted program written through A-rated carriers, including both domestic and London markets. What is the minimum premium?Minimum premiums generally start at $750, depending on the type of risk and coverage needed. What states is this program available in?Ck Specialty currently offers this program in Idaho, Washington, and Nevada. Do you have binding authority or is this brokerage only?Ck Specialty offers both in-house binding authority and access to brokerage markets, giving agents flexibility in how they place accounts. Need help placing an account? Connect with a market specialist.

...ions. Target classes include: Bakeries Boot/Shoe Manufacturing Brewerie...