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

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Bridge the Gap: Between Affordable Health Coverage and Quality Benefits With consistent annual increases in the cost of health insurance, employers and employees are continually faced with making benefit decisions to help control costs—none of which seems too appealing. Pay more or compromise benefits. That’s it in a nutshell. There is a gaping canyon between what is affordable and what is beneficial. And now is the time to fill that gap. The affordable solution is called KeyGapTM. A bridge over troubled health insurance waters, KeyGap is a group insurance program that is primarily designed to cover deductibles, co-insurance and co-payments for which you are responsible. More importantly, it gives you the ability to maintain quality health coverage by choosing a higher comprehensive major medical total out-of-pocket health plan. KeyGap, working along with your major medical program, provides you and your employees’ quality healthcare that is affordable. What can KeyGap do for You, Your Clients and their Employees? -Lower overall Medical Premiums -Stabilize annual Medical Healthcare Premiums for Multiple Years -Improve Employee Plan Benefits -Assist Employees with High Deductibles and Co-Insurance Expenses -Over 90% of the Employees may Experience Better Healthcare Benefits

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.

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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.

Contractors face a wide range of liability exposures that vary by trade, project stage, and scope of operations. Novatae Risk Group offers a flexible, affordable General Liability solution through the Contractor General Liability Insurance – Monoline AXV program. Designed for artisan and general contractors, this program helps protect your clients from third-party bodily injury, property damage, and other common contracting risks. Underwritten by an A.M. Best-rated AXV carrier, this monoline General Liability program is available for more than 200 contractor classes. Whether you’re placing business for a small drywall installer or a large excavation operation, Novatae provides underwriting expertise and fast turnaround to help you serve your clients efficiently. For more information or to discuss a specific account, contact our experienced brokers at 800-758-8113. Program Highlights: SAME DAY QUOTE, BIND AND ISSUE!! $1,000,000 / $2,000,000 CGL limits — ISO form (standalone) Excess liability available up to $5,000,000 Property values up to $25,000,000 considered — fast approval process for larger accounts Program Features: Admitted and non-admitted AXV-rated carrier options Minimum premium: $500 Minimum deductible: $500 ISO form General Liability coverage Target Contractor Classes (Not All-Inclusive): Appliance Installation Carpentry Concrete & Asphalt Developer - Builder Dirt Work Drywallers Electricians Excavation General Contractors HVAC Landscaper 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 General Liability Three years of loss runs required Program supplemental application Territories and Availability: This program is available in most states, including AL, AK, AZ, CA, CO, CT, FL, GA, IL, KY, LA, MN, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, WV, and WI. Admitted and non-admitted options are offered depending on state rules and the risk profile. Why Work With Novatae Risk Group? As a wholesale broker, Novatae Risk Group provides broad market access and deep experience with contractor exposures. Our underwriters focus on contractor classes and construction operations, enabling faster decisions and competitive terms. You’ll get practical underwriting feedback, responsive service, and same-day quote/bind capability on qualifying accounts. Example fits: you might have a local roofer needing a $1M/$2M CGL on an admitted basis, or a large excavation contractor requiring primary limits with excess capacity — both are typical submissions the program can consider. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for artisan and general contractors, including electricians, roofers, HVAC technicians, landscapers, and many other contractor classes — over 200 eligible classes in total. Is this program available in my state?It is available in most states listed above, with admitted or non-admitted options depending on the state. Contact Novatae to confirm availability for a specific risk. What submission documents are required?Submit Acord 125 and 126, three years of loss runs, and the program supplemental application for full consideration. Can I get a quote the same day?Yes — for qualifying submissions, Novatae offers same-day quote, bind, and issue capabilities. What is the minimum premium for this program?Minimum premium starts at $500; final premium depends on class, limits, exposures, and state regulations. Need help placing an account? Connect with a market specialist.

Novatae Risk Group offers a comprehensive solution for agents and brokers seeking solid markets for small to mid-sized contractors. Through its Contractor General Liability & Property Insurance Package – AXV, Novatae provides access to a streamlined program designed to protect your contractor clients from a wide range of property and liability exposures—while helping them save time and money. This program, backed by an A.M. Best Rated AXV carrier, enables you to quote, bind, and issue new accounts in-house on the same day. That fast turnaround allows you to respond quickly to your clients’ needs, providing efficient service and improving retention. Ideal Contractor Classes This program targets a wide range of artisan and general contractors. Some of the top classes include: Appliance Installation Carpentry Concrete & Asphalt Developer - Builder Dirt Work Drywallers Electricians Excavation Contractors General Contractors HVAC Technicians Landscapers Metal Erectors Masonry Painters Paving Contractors Pipeline Contractors Plumbers Pool Contractors Road & Bridge Contractors Roofing Contractors Septic Tank Cleaners Sewer Contractors Sheet Metal Workers Sign Erectors Whether your client runs a small HVAC company or is a general contractor managing multiple subs, this program can address their liability and property needs in one simplified package. Coverage Highlights Same-day quote, bind, and issue capability General Liability Limits: $1,000,000 / $2,000,000 (ISO Form, standalone or package) Excess Liability available up to $5,000,000 In-house Property authority up to $1.5M per location Property values up to $25M considered with quick submission and approval turnaround Property coverage includes: Building, Business Personal Property, Contractors Equipment, Business Income, and Extra Expense. Available extensions: Outdoor Signs, Lock Replacement, Fire Extinguishing System Expense, Sewer Backup, Employee Dishonesty, Money & Securities, Food Spoilage, Forgery and Alteration. Program Features Carrier rated A-XV by A.M. Best Admitted and non-admitted options available $500 minimum premium $500 minimum deductible ISO-based General Liability coverage Submission Requirements ACORD 125 and 126 for General Liability Applicable ACORD forms for Property and Equipment Three years of loss runs Program-specific supplemental application Available States This program is available in most states, including AL, AK, AZ, CA, CO, CT, FL, GA, IL, KY, LA, MN, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, WV, and WI. Why Work with Novatae Risk Group? Novatae Risk Group is a trusted wholesale broker with access to top-rated carriers and underwriting expertise across a wide range of contractor classes. Their in-house authority and ability to issue same-day quotes and policies make them an excellent partner for agents looking to place contractor business quickly and efficiently. You might have a client who’s a residential remodeler or a commercial roofer needing fast coverage for a new project. Novatae can help you deliver the right protection with speed and confidence. Call 800-758-8113 to speak with an experienced broker today. Frequently Asked Questions What types of contractor businesses are eligible for this program?This program targets a wide range of contractors, including general contractors, electricians, plumbers, HVAC techs, landscapers, roofers, and more. What are the general liability limits offered?The program offers standard CGL limits of $1 million per occurrence and $2 million aggregate, with excess limits available up to $5 million. How quickly can policies be quoted and bound?Novatae has in-house authority to quote, bind, and issue policies on the same day for qualifying accounts. What property coverages are included?Property coverage can include buildings, business personal property, contractors equipment, business income, and extra expense, with optional extensions available. Is this program available in all states?No, but it is available in most states including CA, TX, FL, GA, IL, and others. Contact Novatae for state-specific eligibility. Need help placing an account? Connect with a market specialist.

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.

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.