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Landscaping contractors face daily risks—from equipment-related injuries to jobsite accidents—that can lead to costly workers compensation claims. Novatae Risk Group offers a dedicated Workers Compensation Insurance program designed specifically for landscape contractors, helping agents secure reliable coverage for clients in this high-risk industry. Through a partnership with Empire Underwriters and an “A” rated carrier, Novatae provides access to a competitive workers compensation solution with streamlined underwriting and fast turnaround times. This program is ideal for agents looking to place hard-to-insure landscaping risks with a responsive and experienced partner. Ideal Accounts and Appetite This program is tailored for landscape contractors of all sizes, including companies involved in lawn care, tree trimming, irrigation system installation, and landscape design and maintenance. Accounts with a solid safety record and detailed loss histories are especially desirable. You might have a client operating a multi-crew landscaping business across several residential and commercial properties—that’s the kind of account this program is built for. Startups and small contractors may also qualify, as long as they meet underwriting requirements. Program Highlights Available through an “A” rated carrier Coverage in over 20 states 10% commission Fast quote turnaround with complete submissions Underwriting Requirements and Minimum Premium Minimum premium of $7,500 Required submission documents: Acord 130 3 Years of Loss Runs Supplemental Questionnaire Details on any large losses Territories and Market Access Coverage is available in more than 25 states, including 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 Risk Group writes through all available admitted and non-admitted markets, offering flexibility for a variety of risk profiles. Why Work With Novatae Risk Group? Novatae Risk Group is a trusted Managing General Underwriter and Excess & Surplus Lines Broker with access to a broad network of carriers. Their partnership with Empire Underwriters and deep understanding of specialty trades like landscaping make them a smart choice for agents and brokers who need fast, reliable workers compensation solutions in a challenging market. Do you need a Workers Compensation Insurance Quote for your Landscape Contractor 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 workers compensation program?This program is ideal for landscape contractors, including lawn care services, tree trimming, irrigation installation, and general landscape maintenance companies. What states is this program available in?The program is available in over 25 states, including major markets like CA, FL, TX, NY, and IL. Contact the underwriter for specific state eligibility. What documents are required to submit an application?You’ll need to submit a completed Acord 130, three years of loss runs, a supplemental questionnaire, and details on any large losses. Is there a minimum premium for this program?Yes, the minimum premium for eligible accounts starts at $7,500. How quickly can I get a quote?Quotes are typically turned around quickly once all required documents are submitted. Fast service is one of the program’s key advantages. 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.

A Vital Workers Compensation Loss Control and Cost Cutting Tool for Companies Nationwide What Novatae Risk Group's Professional Employer Organization (PEO) Program Does for Your Policyholders Novatae Risk Group offers a PEO program built for agents who need a dependable market to place small- and mid-sized employers that require full-service HR and more competitive workers compensation solutions. This program helps your clients outsource payroll, benefits, compliance, and claims management while improving cash flow and reducing workers comp expense through pay-as-you-go billing and hands-on loss control. Place clients who are struggling with high X-Mods, recent losses, tough class codes, lapses in coverage, or complex multi-state operations. Novatae pairs underwriting expertise with broad carrier access to craft practical, market-ready PEO solutions. Why Agents Use Novatae's PEO Solutions Leveraging a PEO through Novatae gives your clients and your agency clear advantages: No large premium deposits or year-end audits Pay-as-you-go workers compensation tied to actual payroll Administrative relief—HR, payroll, benefits, and compliance handled by the PEO Access to stronger employee benefits packages and payroll tax remittance Dedicated loss control and claims services to manage exposures and control frequency Programs designed for retention and simplified servicing for your agency Program Features and Highlights No premium deposits or audits required; improved cash flow with pay-as-you-go billing Comprehensive HR support including onboarding, ACA compliance, and claims management Payroll services with full tax remittance and reporting Flexible program structures — deductible options, dividend/return-of-premium programs, safety credits Integration options for job costing and accounting software High retention — coverage remains in force until canceled, reducing client turnover Target Markets and Ideal Accounts This PEO program is designed to place risks that are otherwise hard to write in the standard market, including accounts that: Are being non-renewed or canceled due to losses or underwriting restrictions Are in assigned risk pools or coming out of state funds Have elevated X-Mods (1.30–3.0) or recent large losses Have lapsed coverage, no prior, or operate in difficult class codes Operate across multiple states or have complex payroll structures Industries where Novatae is especially competitive include (but are not limited to): Manufacturing Construction (roofing, masonry, excavation) Staffing agencies Property management Janitorial and cleaning services Landscaping and demolition In-home care and assisted living Transportation and warehousing Farming and agricultural operations Swimming pool contractors Residential care facilities Gunite and pool plastering contractors Tailored Solutions and Carrier Access Novatae works with over a dozen carriers — including top-rated AM Best markets — to tailor PEO placements. Available options include deductible and dividend programs, safety credits, and payroll delivery choices (direct deposit, mailed checks, or in-house check writing). Software integrations can streamline job costing and reporting to help clients control loss experience. Underwriting Notes and Submission Requirements To evaluate a risk quickly, include the following: ACORD 130 Three years of loss runs Loss history affidavit if there is a lapse or no prior coverage Explanations for claims over $20,000 Experience Mod sheet Applicable supplemental application for the class of business (View Forms) Minimum premiums vary by carrier and program structure; provide complete submissions to get an accurate indication. Territories and Availability The PEO program is available in most non-monopolistic states. Current availability includes: 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. Example Accounts You Might Place A regional roofing contractor with a 1.8 X-Mod and frequent subcontractor payroll who needs payroll tax handling, claims management, and a path off the assigned risk market. An in-home care agency expanding to three states with payroll complexity, ACA reporting needs, and prior lapses in coverage — seeking stable benefits and workers comp administration. Why Work With Novatae Risk Group As a Managing General Underwriter and Excess & Surplus Lines broker, Novatae combines deep underwriting expertise with broad carrier relationships to place hard-to-place workers compensation business. Agents benefit from strong market access, program flexibility, professional loss control and claims support, and streamlined servicing so you can retain clients with less administrative burden. Frequently Asked Questions What types of accounts are a good fit for this PEO program?Accounts with high X-Mods, prior large losses, tough class codes, or those coming out of assigned risk pools are a strong fit. Construction, staffing, janitorial, home healthcare, and transportation accounts are frequently placed. Can this program help clients who have been non-renewed or have a lapse in coverage?Yes. The PEO program accommodates non-renewals and lapses, including businesses with challenging loss histories or underwriting restrictions. What states is this program available in?The program is available in most states nationwide, excluding monopolistic states. See the full list above for current state availability. Are there specific submission requirements?Yes. Provide an ACORD 130, three years of loss runs, an Experience Mod sheet, supplemental applications for the class of business, and claims explanations for large losses. What are the advantages for agents placing business through this program?Agents gain access to markets that can place difficult workers comp accounts, receive competitive commission opportunities, and benefit from high client retention with minimal servicing needs. Need help placing an account? Connect with a market specialist.

Novatae Risk Group offers a dedicated Workers Compensation Insurance program tailored to electrical contractors. Electricians and electrical contractors face unique job-site hazards — electrical burns, falls, and equipment-related injuries — that can lead to costly claims and business interruption. This program helps independent agents and brokers place reliable workers compensation coverage that addresses those specific risks while protecting your clients’ balance sheets. Built through a strategic relationship with an "A"-rated carrier, the program is designed for speed and ease of placement. Novatae provides responsive underwriting, a streamlined submission process, and flexible access to admitted and non-admitted markets so you can get quotes and bind coverage efficiently. The program is positioned for agents who need a dependable market and competitive terms for electrician risks. Ideal Accounts and Appetite This program is a fit for a broad range of electrical contracting operations, including residential, commercial, and light industrial electricians. Typical appetites include contractors who perform wiring for new construction, service and maintenance on residential and commercial properties, and small-scale industrial electrical work. You’re likely to place accounts that have clear safety programs and a stable or improving loss history. Accounts with routine job-site exposures — ladder work, overhead wiring, conduit installation, and equipment servicing — are a good match. Accounts with frequent large losses, ongoing regulatory issues, or highly specialized industrial exposures should be discussed with underwriting before submission. Coverage Highlights and Advantages Workers Compensation coverage specifically tailored for electrical contractors Coverage available in over 25 states with both admitted and non-admitted placement options Streamlined submission process and fast turnaround when submissions are complete 10% commission for appointed agents The program pairs focused underwriting with carrier strength to offer agents a reliable market for new and renewal business. Whether you’re moving a difficult account or placing a standard contractor with solid controls, Novatae’s team can help identify the best placement path. Underwriting Notes and Minimum Premiums Minimum premium: $7,500 Submission requirements include: Completed ACORD 130 application Three years of loss runs Supplemental questionnaire Details on any large or recent losses Territories and Availability 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. The program leverages both admitted and excess & surplus markets to provide placement flexibility based on your client’s location and risk profile. Why Work With Novatae Risk Group As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group specializes in niche contractor classes and complex placements. Agents benefit from direct underwriting access, practical guidance on loss control, and market relationships that help deliver timely quotes and bindable terms. Novatae focuses on efficient service to help you grow and retain electrician accounts. Need a Workers Compensation quote for your electrical contractor client? Email your submission to [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of electrical contractors are eligible for this program?This program is designed for residential, commercial, and industrial electrical contractors that demonstrate a commitment to safety and a stable loss history. What documents are required to submit a new account?A completed ACORD 130, three years of loss runs, the supplemental questionnaire, and details on any large or recent losses are required for underwriting review. What is the minimum premium for this workers compensation program?The program has a minimum premium starting at $7,500, which is suitable for many small to mid-sized electrical contracting businesses. In which states is this program available?Coverage is available in over 25 states, including CA, TX, FL, NY, GA, and IL. Both admitted and non-admitted placement options may be used depending on the state and account specifics. How quickly can I receive a quote?Underwriting aims to turn quotes around quickly once a complete submission is received. Providing full documentation up front helps speed the process. Need help placing an account? Connect with a market specialist.

Novatae Risk Group places access to a specialized workers' compensation program for pipeline contractors underwritten by Empire Underwriters. The program is designed for contractors who perform trenching, excavation, soil stability analysis, right-of-way work and traffic control at linear work sites. Novatae's underwriting partners combine industry knowledge with experienced risk control consultants to help your clients manage the high-risk exposures typical to pipeline work. Overview This program targets hard-to-place pipeline contracting exposures, offering admitted and non-admitted solutions across a wide set of markets. It is intended for agents and brokers who need solid carrier appetite and flexible placement options for accounts with higher MODs, challenging class codes, multi-state payrolls, or prior coverage problems. Appetite: MOD 1.30 or greater High-hazard and hard-to-place class codes Blue-, gray- and white-collar payroll mixes Accounts in state funds, pools, or assigned risk Distressed, lapsed, or previously cancelled/non-renewed programs New ventures are acceptable Multi-state exposures handled as a specialty Hard-to-place workers’ compensation accounts Coverage Highlights and Advantages: Quick underwriting turnaround to keep submissions moving Access to many "A" rated carriers (varies by state) Stand-alone workers' compensation placements Guaranteed cost, dividend and retro plan options Integrated work comp solutions and high-deductible programs Custom account handling and experienced claims/risk control support Underwriting Notes and Minimum Premiums Minimum premium: $10,000 Preferred submissions include an ACORD 130, 3–4 years of loss runs and details on any large losses Supplemental questionnaire may be required for complex or multi-state accounts Underwriters consider the full account mix (payroll split, class codes, safety programs) when pricing high-hazard exposures Submission Practicals Provide complete loss runs and job detail up front to speed placement. Large-loss narratives, experience modification documentation, and a completed supplemental questionnaire help underwriters evaluate concessions like retro plans or high-deductible structures. The program supports both admitted and excess & surplus (non-admitted) options to fit carrier availability and state requirements. Territories and Markets Availability: All Available Markets. Carriers vary by state. This program accepts business across the following states and territories: 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, WI. Why Work with Novatae Risk Group on This Program Novatae Risk Group connects agents to specialized underwriting capacity for pipeline contractors. The program is built to handle complex payroll spreads, high-hazard exposures, and accounts with prior placement challenges. Your clients benefit from experienced underwriting, practical risk control guidance, and flexible plan structures that can include dividend or retro options when appropriate. Do you need a Workers Compensation Insurance Quote for your pipeline 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 pipeline contractor accounts are a good fit for this program?Accounts with trenching, excavation, right-of-way work, soil stabilization tasks and traffic control needs are core fits—especially those with MODs above 1.30, complex class mixes, multi-state payrolls, or prior cancellations/non-renewals. Which states and market types are supported?This program is available across a broad set of states (see the territories list above) and offers both admitted and non-admitted market options; specific carrier availability varies by state. What documentation is required with a submission?Include an ACORD 130, 3–4 years of loss runs, large-loss details, and a completed supplemental questionnaire for complex accounts. Complete submissions get faster responses. Can you place accounts with multi-state exposure or in state funds?Yes. Multi-state exposures are a specialty of the program, and the underwriting team will structure placements for accounts currently in state pools, assigned risk, or state funds when appropriate. What turnaround and service can an agent expect?Underwriters aim for quick turnaround on complete submissions. Novatae and the underwriting partners provide consultative support, including risk control guidance, to help agents close and service difficult placements. Need help placing an account? Connect with a market specialist.

Workers Compensation Insurance for Theaters Novatae Risk Group offers a specialized Workers Compensation Insurance program tailored for theater operations across more than 20 states. Whether your client runs a small community playhouse or a larger performing arts venue, this program helps agents place coverage for a unique and often underserved segment of the entertainment industry. With competitive pricing, a low minimum premium, and responsive underwriting, this program is built to support agents seeking reliable workers comp solutions for theater clients. Ideal Accounts and Appetite This program targets live theater venues and related operations, including: Community and regional theaters Touring theater groups Performing arts centers Theatrical production companies Accounts with active safety protocols, organized management structures, and a history of limited workers comp claims are typically strong fits. You might have a client who runs a nonprofit playhouse with part-time staff or a touring company with seasonal performers—both can be considered under this program. Coverage Highlights and Advantages Only $7,500 minimum premium 10% commission for appointed producers Quick quote turnaround with completed submissions Coverage available in over 20 states The program is supported by a range of admitted and non-admitted carriers, allowing flexibility across jurisdictions and risk profiles. Underwriting Requirements and Submissions To receive a quote quickly, submit a complete application package including: ACORD 130 Three years of currently valued loss runs Supplemental questionnaire specific to theater operations Details on any large losses The more complete your submission, the faster the underwriting team can respond. Novatae Risk Group prioritizes efficiency and communication throughout the quoting process. Availability and Territories Workers compensation 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. Admitted and non-admitted options are available depending on the state and risk characteristics. Why Work With Novatae Risk Group? As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group brings specialized expertise and market access for niche industries like live theater. Their underwriting team understands the operational risks involved in stage production, set construction, and live performances, helping you place business that might not fit standard markets. With competitive commissions, fast service, and broad state availability, Novatae is a reliable partner for writing workers compensation for theater clients. Do you need a Workers Compensation Insurance Quote for your Theater 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 theater workers comp program?This program is ideal for live performance venues such as community theaters, regional theaters, touring production companies, and performing arts centers with staff involved in stage operations, production, and administration. What documentation is required to submit for a quote?Submissions must include ACORD 130, three years of loss runs, a supplemental questionnaire, and details on any large losses. What is the minimum premium for this program?The program has a $7,500 minimum premium requirement. Is this program available in all states?No, but it is available in over 20 states including CA, TX, NY, FL, and others. Contact underwriting to confirm availability in your client’s state. How quickly can I get a quote?Quotes are typically turned around quickly once a complete submission is received. Incomplete applications may delay processing. Need help placing an account? Connect with a market specialist.