Search CompleteMarkets

... walkways, highway overpasses, or bridges over water, this program provides th...

Program Overview from Novatae Risk Group Novatae Risk Group offers a focused USL&H - Marine Workers Comp program to help agents place challenging and specialty marine accounts. Whether your client works on vessels, on piers, or onshore adjacent to navigable waters, this program delivers workers’ compensation solutions tailored to maritime and waterfront exposures. Novatae places business with several top-rated carriers (markets as high as AXV by A.M. Best) and provides access to both admitted and non-admitted markets. Ideal Accounts and Appetite This program is built for businesses that require USL&H coverage — from clean-mod operations to accounts with elevated experience mods or prior lapses. Novatae will consider a wide range of marine and waterfront class codes and is comfortable underwriting risks that don’t fit standard markets. Targeted Industries Include: Boat service and repair contractors Fishermen and fishing tour operators Scuba diving trainers and ski rental operators Marina operators and shipbuilders Bridge builders and painters Dock, pier, and marine construction contractors Offshore oil and platform workers Artisan, Trade, and Service Contractors That May Need USL&H: Electricians, painters, and carpenters working over, from, or adjacent to navigable waters Crane installation and repair crews Engine and refrigeration repair technicians HVAC and sheet metal contractors Wallboard installers and concrete workers operating on marine projects Ship cleaning and passenger vessel operations Program Highlights Multiple carrier options — flexibility to place difficult risks Aggressive pricing strategies when appropriate Broad acceptance of class codes and unique marine exposures First-dollar coverage options available Loss-sensitive and high-deductible plan structures Monthly payroll reporting available Not a PEO — this is a traditional workers' compensation program Underwriting Notes and Minimum Premiums Minimum premiums typically start at $10,000 in most states. Novatae evaluates accounts with elevated X-mods and does not automatically decline risks with prior lapses in coverage. Final terms depend on class mix, payroll, loss history, and project details. Territory and Market Access The USL&H - Marine Workers Comp program is available in most U.S. states, including coastal and inland regions: 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. Why Work With Novatae Risk Group As a Managing General Underwriter and E&S broker, Novatae combines niche underwriting expertise with market access for marine and USL&H exposures. Their team focuses on practical placement solutions for accounts that are difficult to place in standard markets and works with agents to structure terms that balance coverage and cost. You might bring Novatae a marina with on-site repair operations and mixed class codes, or a contractor performing bridge work over navigable waters — both are the sort of accounts this program targets. Novatae’s flexibility and carrier relationships make it a strong option when traditional markets say no. Frequently Asked Questions What types of accounts are a good fit for this USL&H program?This program suits marine-related businesses such as boat repair contractors, marina operators, offshore oil workers, and artisan contractors who work on or adjacent to navigable waters. Can I submit accounts with a high experience mod or no prior coverage?Yes. Novatae accepts accounts with high X-mods and is open to risks with lapsed or no prior coverage, subject to underwriting review of the total risk profile. Is this a PEO solution?No. This is a traditional workers' compensation program (not a PEO). Policies are issued through admitted and non-admitted carriers with direct coverage for insureds. What is the minimum premium for this program?Minimum premiums generally start at $10,000 in most states. Actual pricing will vary based on class codes, payroll, loss history, and selected coverage options. In which states is the program available?The program is available in most U.S. states, including coastal and inland regions. See the territory list above for specific states. Need help placing an account? Connect with a market specialist.

...rative, including crowns, inlays, bridges, dentures and crown buildup Min...

... or high-exposure projects (dams, bridges, mines, petroleum/pipeline, nuclear,...lved in specialty work such as dams, bridges, mines, nuclear, and pipeline pro...

Contractors face a wide range of risks depending on the nature of their projects, past claims history, and scope of operations. For certain accounts, standard markets may be unwilling or unable to provide General Liability coverage. That’s where Novatae Risk Group steps in. Through our Hard to Place Contractors General Liability Insurance program, we offer a flexible and responsive solution for contractors with challenging exposures. Backed by over 30 years of experience working with construction-related risks, our team understands the unique needs of tough-to-place contractor accounts. Whether it’s prior claims, lapsed coverage, or high-risk operations, we specialize in finding coverage options where others can’t. Our brokers are ready to help you secure protection for your clients quickly and efficiently. Call us today at 800-758-8113 to discuss your Hard to Place Contractors General Liability accounts with an experienced broker. Ideal Accounts and Appetite: All types of contractors, including general, artisan, and trade Accounts with prior or open claims New ventures and start-ups Cancelled or lapsed policies Multi-state operations Contractors with tough class codes Paper contractors and developers Tract home and construction contractors Minimum of $40,000 in payroll and at least 2 employees Coverage Highlights and Advantages: Access to multiple admitted and non-admitted carriers, including Lloyd’s of London Fast turnaround on quotes and submissions Flexible deductible options—high and low CG201185 equivalent coverage available Sample Target Classes: Roofers Concrete and tilt-up contractors Demolition and fire restoration contractors Developers (commercial and residential) Sewer, septic, and pipeline contractors EIFS contractors Bridge and structural contractors Oil, gas, and energy-related contractors Submission Requirements: ACORD 124 & 126 applications 3–4 years of loss runs Supplemental questionnaire Details on large losses and reasons for lapse (if applicable) Territories and Availability: This program is available in most states, including but not limited to 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. Why Work With Novatae Risk Group? As a leading Managing General Underwriter and E&S broker, Novatae Risk Group has deep expertise in placing high-risk and non-standard contractor accounts. We provide access to both admitted and non-admitted markets, and we’re committed to helping agents solve tough placement challenges with speed and efficiency. Our experienced team is here to help you succeed with your hard-to-place contractor accounts. Need a quote? Email your submission to [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of contractor accounts are best suited for this program?This program is ideal for general and artisan contractors with prior claims, tough class codes, new ventures, or lapsed policies. We also welcome paper contractors and developers. Can you provide coverage for contractors with open or recent losses?Yes, we specialize in hard-to-place risks and can review accounts with open or significant prior claims, as long as full loss details are provided. Is this program available in my state?Our Hard to Place Contractors General Liability Insurance program is available in most states, including key markets like CA, FL, TX, NJ, and more. Contact us to confirm availability in your state. What documentation is required to submit a risk?We require ACORD 124 & 126 forms, 3–4 years of loss runs, a supplemental questionnaire, and explanations for any lapses or large losses. How quickly can I expect a quote?We offer fast turnaround times and aim to provide quotes quickly once we receive a complete submission. 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.

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.

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.

...specialty exposures such as dams, bridges, mines, petroleum/pipeline, and cond...