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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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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.

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.

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.

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Overview of the New York Workers Compensation Insurance Program Novatae Risk Group offers a robust New York Workers Compensation Insurance Program designed to support agents and brokers in placing complex, high-risk, or hard-to-place accounts. Whether your client is a startup with no prior coverage or a large company in a high-hazard industry, this program provides flexible solutions tailored to the unique challenges of the New York market and surrounding states. Ideal Accounts and Appetite This program is ideal for accounts that may not qualify for standard markets, including those with: Experience Mods of 1.30 or higher High-hazard or tough class codes Blue, gray, and white-collar operations Placement in state pools or assigned risk funds Distressed, lapsed, or non-renewed policies New ventures and startups Multi-state operations, especially those based in or including New York You might have a client such as a road construction firm with prior losses or a staffing agency with multi-state workers—both are examples of accounts that could be eligible under this program. Coverage Highlights and Program Features Fast turnaround times for quotes and submissions Access to multiple “A” rated carriers, including Hartford and Zurich Stand-alone Workers Comp policies available Guaranteed cost plans and integrated solutions Non-PEO and PEO/employee leasing options High deductible, dividend, and retroactive rating plans Consent to rate expertise Custom account handling and client check-writing options Sample Eligible 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 Organization Nursing Homes Oil & Gas Paving Pipeline Retail Roofing Sawmills Services Sheet Metal Staffing Companies Tower Erection Trucking & Transportation Submission Requirements Completed ACORD 130 application 3–4 years of loss runs Details on any large losses Supplemental questionnaire Territories and Market Access This program is available in New York, as well as surrounding states including Connecticut, Massachusetts, New Jersey, Pennsylvania, Rhode Island, and Vermont. With access to both admitted and non-admitted markets, Novatae Risk Group can structure solutions that meet your insured’s needs while maintaining flexibility across jurisdictions. Why Work With Novatae Risk Group? As a seasoned Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group brings deep underwriting expertise and access to several top-rated carriers. Their team specializes in complex and distressed Workers Compensation risks, offering responsive service, creative structuring, and a consultative approach. Whether you’re placing a start-up roofing contractor or a multi-state manufacturing group, Novatae can help you secure the right coverage and structure. Do you need a New York 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 Workers Comp program?This program is ideal for high-hazard classes, distressed accounts, businesses with high MODs, new ventures, and those placed in state funds or pools. It also supports multi-state exposures. Can I submit accounts that have been cancelled or non-renewed?Yes, Novatae specializes in helping agents place lapsed, cancelled, or non-renewed Workers Comp policies, including those with gaps in coverage. What documentation is required to submit an account?You’ll need a completed ACORD 130, 3–4 years of loss runs, details on large losses, and a supplemental questionnaire. Do you offer stand-alone Workers Compensation policies?Yes, Novatae offers stand-alone Workers Comp solutions, as well as integrated and high-deductible options to meet different client needs. In which states is this program available?This program is available in New York, Connecticut, Massachusetts, New Jersey, Pennsylvania, Rhode Island, and Vermont. Need help placing an account? Connect with a market specialist.