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From culverts and driveways to major interstates and highway overpasses, Novatae Risk Group offers a tailored Workers Compensation Insurance solution designed specifically for bridge and road construction contractors. Through Empire Underwriters, a division of Novatae, agents can access a flexible and robust program that meets the complex needs of infrastructure and roadway contractors of all sizes—from small, local construction firms to large, multi-state operations. This program is an excellent fit for agents looking to place challenging or high-hazard construction accounts. Whether your client is a new venture, has a high MOD, or is operating in a state pool, Novatae can help provide competitive options through a wide network of carriers and risk management solutions. Ideal Accounts and Appetite Experience Mod of 1.30 or higher High hazard and tough class codes Blue, gray, and white-collar construction operations Accounts currently in state pools or funds Distressed, lapsed, non-renewed, or cancelled policies New ventures welcome Multi-state operations are a specialty You might have a client whose road construction company recently expanded into multiple states or one with a lapse in coverage due to claims activity. These are the types of accounts that this program is built to support. Coverage Highlights and Program Features Access to many “A” rated admitted and non-admitted carriers Stand-alone Workers Compensation policies Guaranteed cost, dividend, retro, and high deductible options Integrated workers comp solutions and custom account handling Fast turnaround on submissions This program is designed to deliver flexible underwriting and fast broker service, helping you retain or grow your book of business in the heavy construction sector. Submission Requirements & Minimum Premium Completed ACORD 130 application 3–4 years of loss runs Details on any large losses Supplemental questionnaire Minimum premium starts at $10,000, depending on the risk profile and state. Territories and Market Access This Bridge and Road Construction Workers Compensation Insurance program is available in most states, including but not limited to CA, FL, TX, NY, and IL. Novatae Risk Group works with a wide range of carriers (varies by state) across both admitted and non-admitted markets. Why Work With Novatae Risk Group? Novatae Risk Group, through Empire Underwriters, offers deep expertise in high-hazard workers compensation risks. As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae provides agents with access to markets and underwriting flexibility not always available through standard carriers. Whether you’re looking to place a tough risk or offer your client more competitive options, our team of experienced brokers is ready to assist. Please contact us at 800-758-8113 to speak to our experienced brokers about your Bridge and Road Construction Workers Compensation Insurance accounts. Do you need a Bridge & Road Construction 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 program?This program targets bridge and road construction contractors, especially those with high MODs, tough class codes, multi-state operations, new ventures, or distressed coverage histories. Is this program available for new construction businesses?Yes, new ventures are accepted. The program is designed to support both established contractors and startups in the bridge and roadway construction industry. Are multi-state risks eligible?Yes, one of the strengths of this program is handling accounts with multi-state exposures. It's especially suited for contractors operating across several jurisdictions. What documents are required to submit an account?You’ll need a completed ACORD 130, 3–4 years of loss runs, details on any large losses, and a supplemental questionnaire. What is the minimum premium for this program?The program typically starts at a $10,000 minimum premium, but this may vary depending on the risk and state. Need help placing an account? Connect with a market specialist.

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Amwins Program Underwriters' Crane & Rigging Specialty Contractors Program led by Heather Frain. Overview The Crane & Rigging Specialty Contractors program from Amwins Program Underwriters provides commercial contractors general liability capacity targeted to crane, rigging and heavy-equipment contractors. The program is designed for agents and select brokers to place specialty contractors with significant equipment and third-party exposure. Coverage is available on a non-admitted/surplus lines basis. Target classes and operations Cranes and heavy lift operations Iron, steel, concrete panel and prefabricated building erection Riggers and millwrights Commercial construction equipment rental and transportation contractors Bridge reconstruction and infrastructure subcontracting (offshore operations excluded) Concrete construction and energy-related subcontracting Optional lines available Retail agents and select brokers can place the following optional coverages through the Crane & Rigging Specialty Contractors program: Business auto Inland marine Workers’ compensation Coverage highlights and advantages Underwriting focus on high-exposure crane, rigging and heavy-equipment contractors where specialized underwriting and equipment schedules are required. Ability to combine GL with inland marine and auto to provide broader placement options for accounts that deploy expensive equipment and specialized subcontracting operations. Structured for larger accounts and complex operations—underwriters experienced in crane/rigging exposures and construction subcontracting risks. Underwriting notes and minimums Minimum premium: $100K Typical submission requirements (provide these with new business submissions): Fully completed, current industry standard application Crane & Rigging Specialty Contractors supplemental application 5-year currently valued loss experience Contract / job ticket specimen copy Complete copy of the current expiring policy and the equipment list for the primary GL Territories and admission status The program is available in the following states: 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, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Placement is through non-admitted/surplus lines capacity; confirm filing and surplus lines requirements in the insured’s state before submission. Why work with Amwins Program Underwriters on Crane & Rigging business Niche underwriting team led by Heather Frain with experience in crane, rigging and heavy equipment exposures. Ability to structure placements that combine GL with ancillary lines (inland marine, auto, WC) for a more complete solution when equipment exposure is significant. Designed for larger, complex accounts where detailed equipment schedules, contract wording and loss histories drive terms. Example accounts that typically fit You have a regional crane contractor that performs heavy lifts for bridge reconstruction and erects prefabricated panels; they carry expensive leased equipment and need a GL program that coordinates with inland marine schedules. You represent a millwright/rigging subcontractor engaged on energy-related infrastructure projects (onshore) with multi-state operations and a five-year loss run showing a stable claims history. Visit our website to learn more! Frequently Asked Questions What types of accounts are a good fit for this program?Accounts with significant crane, rigging or heavy-equipment operations—such as crane contractors, riggers, millwrights, heavy-equipment rental/transport contractors, bridge reconstruction and prefabricated building erectors—are the primary target. Offshore operations are excluded. What are the submission essentials I should include?Include a fully completed industry application, the Crane & Rigging supplemental application, five years of currently valued loss runs, a sample contract/job ticket, and the expiring policy with the equipment list for the primary GL. Is the program admitted in core states?This program is placed on a non-admitted/surplus lines basis. Confirm surplus lines compliance for the insured’s domicile and operations before binding. What is the minimum premium and when is it applied?The program’s minimum premium is $100,000. This reflects the program’s focus on larger, higher-exposure accounts; smaller accounts are typically not eligible. Need help placing an account? Connect with a market specialist.

CIS - Construction Insurance Solutions EASY & FAST Insurance Solution for Trade Contractors General Liability & Umbrella Insurance OVERVIEW OF THE PROGRAM FROM NORMAN-SPENCER AGENCY The Construction Insurance Solutions (CIS) program from Norman-Spencer Agency, Inc. is designed to meet the unique liability coverage needs of residential and commercial artisan contractors—especially those operating in states with high Construction Defect litigation. This streamlined, broker-friendly program provides access to General Liability and Excess/Umbrella coverage through a highly rated national non-admitted carrier. Additional options such as property and auto coverages are also available for qualifying risks. IDEAL ACCOUNTS AND APPETITE This program is specifically tailored for a variety of trade contractors with artisan-level operations. Ideal accounts include: • Concrete Contractors • Drill Contractors • Electrical Contractors • Fire Suppression (Sprinkler) Contractors • HVAC & Plumbing Contractors • Land Improvement and Landscape Contractors • Pool Contractors • Roofing Contractors • Street, Road & Bridge Contractors • Underground Utility Contractors If you have clients bidding on mid-sized commercial jobs, managing multiple subcontractors, or working in litigation-prone states like CA or NV, this program may be a great fit. COVERAGE HIGHLIGHTS AND ADVANTAGES The CIS program offers robust liability protection with several tailored enhancements that contractors value: • Blanket Additional Insured endorsements (including full products) • Per Job Aggregate limits • Blanket Waiver of Subrogation • Employer Benefits Liability • Labor Reimbursement enhancements • Limited Worksite Pollution Liability • Umbrella/Excess limits available up to $25M (quote required) UNDERWRITING NOTES AND SUBMISSION REQUIREMENTS To streamline quoting, please submit the following: • Completed ACORD applications • Program-specific supplemental application signed by agent and insured • 3–5 years of currently valued loss runs, including details of claims over $10K • Two-year job history • Expiring declaration page and rating worksheet TERRITORIES AND AVAILABILITY The CIS program is available in most U.S. states, including CA, TX, FL, NY, IL, and over 45 others. Norman-Spencer maintains open distribution and market access across all available territories. WHY WORK WITH NORMAN-SPENCER? With decades of experience in contractor insurance, Norman-Spencer Agency brings deep underwriting expertise and access to top-tier markets. This program is backed by an A-rated non-admitted carrier with strong contractor-specific appetite. Whether you're placing a new venture electrician or a roofing contractor with a complex claims history, this program gives you flexible solutions and responsive service. Explore more of our tailored offerings at www.norman-spencer.com. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for artisan trade contractors such as electricians, roofers, HVAC contractors, and concrete or underground utility contractors—especially in states with high litigation exposure. Is this program available nationwide?It is available in most U.S. states, including CA, TX, FL, NY, and more. Please refer to the full list or contact Norman-Spencer for state-by-state availability. What limits are available under the umbrella coverage?Umbrella and Excess Liability limits are available up to $25 million, depending on underwriting review. A submission is required for a formal quote. Is this an admitted or non-admitted program?The program is written through a national non-admitted carrier, allowing for more flexible underwriting in complex or higher-risk jurisdictions. What is required to get a quote?You’ll need to submit ACORD forms, a signed supplemental application, recent loss runs, a 2-year job list, and expiring policy documents. Need help placing an account? Connect with a market specialist.

Workers Compensation Insurance is a required coverage in most states, providing benefits such as medical expenses and partial lost wages for employees who suffer work-related injuries or illnesses. However, placing coverage for certain businesses can be difficult due to high risk classifications, elevated experience mods, or prior coverage issues. Novatae Risk Group, through its partnership with Empire Underwriters and an “A”-rated carrier, offers a specialized Hard to Place Workers Compensation Insurance program designed for challenging accounts. Whether your client has a high MOD, operates in a tough industry class, or has coverage gaps, we can help you find solutions quickly and effectively. Ideal Accounts and Appetite: Accounts with MODs of 1.30 or higher High-hazard industries and tough-to-place classes Blue, gray, and white collar businesses Clients currently in state pools or residual markets Distressed, lapsed, or non-renewed accounts New ventures welcomed Multi-state exposures are a specialty You may have a client in roofing with lapsed coverage or a trucking company with prior losses—these are the types of risks we regularly underwrite. Coverage Highlights and Advantages: Fast turnaround on submissions Access to multiple “A” rated carriers Stand-alone Workers Comp policies Guaranteed cost, high deductible, and retro-rated options Consent to rate specialists Dividend plans available PEO and ASO contracts available Clients can retain control over payroll and check issuance Custom account handling for unique needs Underwriting Requirements and Minimum Premium: Completed ACORD 130 application 3–4 years of loss runs Details on any large losses Supplemental questionnaire Minimum premium starts at $10,000, and submissions are reviewed thoroughly to match your client with the right market. Territories and Availability: This program is available in most states, including but not limited to: CA, FL, TX, NY, IL, PA, and GA. We currently write in over 45 states, including DC. Sampling of Target 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 Organizations Nursing Homes Oil & Gas Paving Pipeline Retail Roofing Sawmills Services Sheet Metal Staffing Companies Tower Erection Trucking & Transportation Partner With Novatae Risk Group As a national Managing General Underwriter and E&S Broker, Novatae Risk Group offers extensive market access and underwriting expertise for difficult Workers Compensation placements. Our dedicated brokers understand the challenges of high-risk classes and distressed accounts, and we work closely with agents to deliver responsive service and creative solutions. Contact us at 800-758-8113 to discuss your Hard to Place Workers Compensation Insurance accounts today, or email us at [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for businesses with high MODs, prior losses, lapsed coverage, or operations in high-hazard industries like roofing, trucking, construction, and in-home care. Can new ventures apply for coverage under this program?Yes, new ventures are accepted and can be evaluated for coverage depending on the class of business and state regulations. What documentation is required for submission?We typically require a completed ACORD 130, 3–4 years of loss runs, details of any large losses, and a supplemental questionnaire. Is multi-state coverage available?Yes, we specialize in multi-state exposures and can provide tailored Workers Compensation solutions across state lines. What is the minimum premium for this program?The minimum premium starts at $10,000, but final pricing depends on the class of business, loss history, and underwriting considerations. Need help placing an account? Connect with a market specialist.

Flat concrete contractors face distinct liability exposures because their work forms the foundation for structures and surfaces. Defective workmanship, inferior materials, or unexpected site conditions can lead to expensive claims—even years after a job finishes. Novatae Risk Group’s General Liability Insurance for Flat Concrete Contractors helps your clients manage those risks with tailored coverage and underwriting expertise. Through our relationship with Empire Underwriters, Novatae provides access to a program supported by “A”-rated admitted and non-admitted carriers. The program is built for small to mid-sized flat concrete contractors with annual payrolls under $1,000,000. Whether your client does smooth concrete, decorative finishes, or commercial and residential slabs, this market offers focused coverage and underwriting guidance designed for the trades you place. To discuss Flat Concrete Contractor accounts, call our brokers at 800-758-8113. Overview of the Program: This general liability program addresses the common and specialized exposures of flat concrete contractors working in residential and light commercial sectors. Coverage and endorsements are targeted to risks associated with flatwork slabs, decorative concrete, cleaning services, footers, and related site work. Ideal Accounts and Target Appetite: We are actively seeking small to medium-sized contractors with less than $1,000,000 in annual payroll. Target operations include: Smooth concrete flatwork (driveways, sidewalks, patios) Decorative, stamped, and finished concrete Concrete cleaning and restoration services Residential and light commercial slabs and footings Example fits: you might have a client who installs residential driveways and patios or a subcontractor placing slabs on small commercial projects. Those operations typically match this program’s appetite. Coverage Highlights: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per-project aggregate limits Subsidence coverage (subject to limitations) Prior project coverage (subject to limitations) Underwriting Requirements and Minimum Premium: Completed ACORD applications 3–5 years of currently valued loss runs Supplemental contractor application Project-specific pollution application (if applicable) Minimum premiums typically start at $1,500, and final pricing depends on state and class codes. Territories and Carrier Access: Coverage is available in most states, including 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 place both admitted and non-admitted options with highly rated carriers (up to A-XV) depending on state and risk profile. Why Work With Novatae Risk Group: As a wholesale broker focused on construction, Novatae Risk Group delivers responsive service, deep market access, and practical underwriting support. We understand flat concrete exposures and work with brokers to place hard-to-bind or nuanced accounts efficiently. Our relationship with Empire Underwriters gives you expanded carrier options and tailored wording that matter on construction projects. Need a quote for a flat concrete contractor? Email submissions to [email protected] or call 800-758-8113 to speak with an underwriter. Frequently Asked Questions What types of accounts are a good fit for this program?Small to medium flat concrete contractors with payrolls under $1,000,000 — for example, residential flatwork specialists, decorative concrete installers, and light commercial slab contractors. What are the minimum premium requirements?Minimum premiums typically start at $1,500, but the final minimum depends on the state and operations class. What do I need to submit for a quote?Provide completed ACORD applications, 3–5 years of currently valued loss runs, the supplemental contractor application, and a pollution application if the account has pollutant exposures. Is coverage available in my state?The program is available in most states listed above. Contact us to confirm availability and admitted vs. non-admitted options for your client’s state. What carrier markets are used for this program?We utilize both admitted and non-admitted carriers, with available markets rated as high as A-XV depending on the risk profile and jurisdiction. Need help placing an account? Connect with a market specialist.

Small contractors want to control costs while protecting their business and assets from accidents that could cause financial setbacks. Novatae Risk Group offers a tailored Contractor BOP / General Liability and Property Insurance package to help you place those accounts quickly and competitively. This program combines Businessowners (BOP), Commercial General Liability (CGL) and Property coverage into a simplified package. Novatae Risk Group has authority to quote, bind, and issue new accounts in-house, so you can move accounts from submission to policy faster and with reliable service. Please contact us at 800-758-8113 to speak with our experienced wholesale brokers about Contractor BOP/GL and Property Insurance Package accounts. Program Highlights: 4 Hour Indications/Quotes! Same Day Bind and Issuance of Policy! $1,000,000 / $2,000,000 CGL Limits Excess Liability up to $5,000,000 In-house authority on property up to $5,000,000 Total Value any one location Higher property values to $25,000,000 — submit for fast approval Broad class code acceptance *Property coverage can include Building, Business Personal Property, Contractors Equipment, Business Income and Extra Expense. Program Features: A.M. Best rated carriers (admitted and non-admitted), capacity includes carriers rated as high as A/XV $500 minimum premium $500 minimum deductible ISO form GL Coverages Available: Property and Inland Marine Coverage: Basic and Broad form available; up to $5,000,000 per location for buildings, contents, and business income $250,000 sub-limit on contractor’s equipment and tools (owned, leased, or rented to others) Extensions of coverage: $25,000 blanket limit for fire extinguishing system expense Lock replacement; outdoor signs; outdoor trees, shrubs, plants and lawns; tenant move-back expense $10,000 sub-limit for sewer and drain backup; employee dishonesty; forgery or alteration $5,000 sub-limit for money and securities; spoilage due to refrigeration loss Target Contractor Classes: (Not a Complete List) Appliance installation Carpentry Concrete & asphalt Developer / builder Dirt work Drywall Electricians Excavation General contractors HVAC Landscaping Metal erectors Masonry Painters Paving Pipeline Plumbers Pool contractors Road & bridge contractors Roofing contractors Septic tank cleaners Sewer contractors Sheet metal Sign erectors Submission Requirements: Acord 125 and 126 for GL Acords for Property / Equipment when applicable Completed supplemental application Underwriting Notes and Appetite This program is designed for small to mid-sized contractors seeking combined GL and property solutions with quick turn times. Fits: risks with standard to moderately complex exposures, owned or leased equipment, and property values up to the stated limits. Broad class acceptance makes this a good fit for general contractors and specialty trades listed above. Typically not a fit: high-hazard mono-lines (heavy pollution exposures), monoline professional liability for design-build errors, or accounts with significant prior losses without underwriting justification. Large wrap-up projects should be submitted for review. Territories and Availability Most states available. This program places coverage on both admitted and non-admitted paper with carriers rated as high as A/XV. Primary availability includes: AL, AK, AZ, CA, CO, CT, FL, GA, IL, KY, LA, MN, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, WV, WI. Check with Novatae Risk Group for any state-specific filing or capacity changes. Why Work With Novatae Risk Group on This Program In-house quoting, binding and issuance speeds placements and reduces back-and-forth for time-sensitive accounts. Wholesale broker expertise and direct access to admitted and non-admitted carriers gives flexibility to match pricing and forms to client needs. Competitive limits and excess liability capacity help you secure layered solutions for growing contractor clients. Low minimum premium and standardized forms make smaller accounts economical to place. Example Accounts You have a general contractor with $1.2M building values at a single location, owned equipment, and modest payroll — this program can combine GL and property coverage with same-day issuance. You have a pool contractor with several subcontracted jobs, tools and equipment, and a need for inland marine — the program’s contractor equipment limits and inland marine options can be packaged into a single policy. Frequently Asked Questions What types of contractor accounts are a good fit for this program?This program fits small to mid-sized contractors and specialty trades (carpentry, HVAC, plumbing, masonry, roofing, etc.) that need combined GL and property coverage, including equipment and business income protection. How quickly can I get an indication, bind, and policy issued?Novatae Risk Group offers fast service — indications/quotes within hours and same-day bind/issuance when underwriting conditions are met, subject to receipt of required documentation. Are both admitted and non-admitted options available?Yes. The program places coverage on admitted and non-admitted paper with carriers rated as high as A/XV to provide capacity and flexibility for different client needs. What are the minimum premium and deductible?The program has a $500 minimum premium and typically a $500 minimum deductible; specific pricing and deductibles depend on class, limits, and loss history. What do I need to submit to get a quick decision?Provide Acord 125/126 for GL, property Acords when applicable, and the completed supplemental application. Clear descriptions of operations, values, and recent loss history will speed underwriting. Need help placing an account? Connect with a market specialist.

Working with concrete carries distinct hazards — from slips, falls, and heavy equipment incidents to exposure to flying debris and repetitive-strain injuries. That combination of frequency and severity makes Workers Compensation essential for protecting your clients’ employees and the financial stability of their businesses. Novatae Risk Group offers the Concrete Contractors Workers Compensation Insurance Program through Empire Underwriters. The program is underwritten for concrete contractors and related high-hazard trades, and is structured to help brokers place difficult or unusual accounts confidently — including new ventures, multi-state operations, and distressed or hard-to-place risks. Ideal Accounts and Appetite: Experience MOD of 1.30 or greater High-hazard operations and tough-to-place classes Blue, gray, and white collar labor mixes Businesses participating in state pools or assigned risk funds Distressed, lapsed, cancelled, or non-renewed policies No prior coverage or new ventures are welcome Multi-state operations — a specialty area Complex or hard-to-place Workers Compensation risks If you represent a concrete contractor who has struggled to obtain coverage because of loss history, multi-state exposure, or operational complexity, this program is designed to provide underwriting flexibility and market access. Coverage Highlights and Advantages: Fast turnaround on quotes and submissions to help you meet deadlines Access to a panel of "A" rated carriers (varies by state) Standalone Workers Compensation placement — no bundled products required Multiple plan options: guaranteed cost, dividend, and retro programs High-deductible programs available to manage premium cost Custom account handling and tailored service for complex placements Integrated Workers Comp solutions to streamline quoting and binding These features are intended to give agents tools to place higher-risk concrete contractors while offering flexible program design to meet insureds’ operational needs. Underwriting Requirements and Minimum Premium: Completed ACORD 130 application 3–4 years of loss runs Details on any large or catastrophic losses Supplemental questionnaire specific to operations and exposures Minimum premium starts at $10,000. Providing complete loss histories and the supplemental questionnaire up front helps Novatae Risk Group assess difficult accounts more quickly and produce competitive responses. Available States and Market Positioning: This program is offered 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. Novatae places business across admitted and non-admitted markets; carrier availability varies by state. Why Work With Novatae Risk Group? As a managing general underwriter and Excess & Surplus Lines broker, Novatae Risk Group combines deep construction sector expertise with broad market access. Agents benefit from responsive underwriting, tailored program structures, and specialty placement capabilities for complex or challenged Workers Compensation risks. Novatae’s team focuses on practical solutions that help agents bind business quickly while addressing the specific exposures of concrete contractors — from field crews and finishers to multi-state contractors with diverse payroll mixes. Contact us at 800-758-8113 to speak with a broker about placing your Concrete Contractors Workers Compensation accounts. Need a Concrete Contractors Workers Compensation Insurance Quote? Send an email to [email protected] with your submission materials 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?Concrete contractors with high-hazard operations, elevated Experience MODs (around 1.30+), multi-state payrolls, or a history of lapses, cancellations, or difficult loss experience. Can you place new ventures or accounts with no prior coverage?Yes. New ventures and accounts without prior Workers Compensation history are eligible and considered by the program. What documents are required to submit an account?Provide a completed ACORD 130, 3–4 years of loss runs, the supplemental questionnaire, and details on any large losses to accelerate underwriting review. Are multi-state operations accepted?Yes. Multi-state exposures are a specialty for Novatae — the program handles payroll spread across multiple jurisdictions and will match accounts to appropriate carriers by state. What is the minimum premium for this Workers Comp program?The program’s minimum premium starts at $10,000, though final pricing depends on the account profile and state(s) of exposure. Need help placing an account? Connect with a market specialist.