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...e Risk Group offers a specialized Cabinet Maker Workers Compensation Insurance...states is this program available?The Cabinet Maker Workers Comp program is ava...

...Agency, Inc. offers a specialized Cabinet Making Insurance program tailored to...is program?This program is ideal for cabinet makers, custom woodworking shops, furnitu...

...m for agents placing coverage for cabinetmakers, furniture manufacturers, wind...oodworking and millwork operations — cabinetmakers, furniture shops, window and door ...

McGowan Excess & Casualty Trade Contractors Umbrella Insurance Overview of the Program From The McGowan Companies The McGowan Companies offers a robust Trade Contractors Umbrella Insurance program through McGowan Excess & Casualty, designed specifically for agents and brokers seeking excess liability solutions for trade and artisan contractor clients. Whether your insureds are handling large-scale commercial construction or specialty subcontracting work, this program is built to provide the additional layer of protection needed to meet contractual requirements and protect against catastrophic loss. As a Managing General Underwriter with access to a wide range of markets, McGowan brings deep underwriting expertise and flexible options to meet the unique needs of this sector. Most states are eligible, and coverage is available on a non-admitted basis in many areas. Ideal Accounts and Appetite This program targets a broad spectrum of trade contractors working in residential, commercial, and light industrial construction. Eligible classes include: Electricians Plumbers Paving and Grading Contractors Cable Installation HVAC Contractors Drywall and Flooring Installation Landscaping and Painting Septic Tank Installation Solar Panel Installation Sewer and Water Main Contractors Swimming Pool Contractors Tile, Plastering, and Masonry Concrete, Carpentry, Roofing, and Siding If you have a client installing solar panels for commercial properties or a subcontractor working on large municipal sewer projects, this program can offer the excess capacity they need to secure contracts and meet liability thresholds. Coverage Highlights and Advantages Commercial Umbrella Liability – Provides a critical layer of liability protection above underlying policies. Follow Form Excess Liability – Flexibility to write excess layers over qualified lead umbrellas. Limits – Umbrella limits starting at $1MM, with capacity available up to $100MM. Excess layers can be written from $1MM to $100MM over existing lead umbrellas. Coverage terms are designed to be competitive and responsive to the evolving needs of contractors, especially those working on high-exposure projects or with strict contractual insurance requirements. Underwriting Notes and Minimum Premiums A minimum A- / VII rating from underlying carriers is typically required, though exceptions may be made for Employers Liability (EL) carriers. McGowan’s underwriting team evaluates each submission thoroughly and is known for responsiveness and creativity in structuring layered excess programs. Territories and Availability This program is available in most states across the U.S., including but not limited to: CA, FL, NY, TX, IL, GA, and PA. Whether your agency is based in the Midwest, the South, or the West Coast, McGowan can help place umbrella coverage tailored to your client's geography and risk profile. Why Work With The McGowan Companies? With decades of experience in casualty and umbrella insurance, The McGowan Companies are known for underwriting excellence, speed to market, and access to both admitted and non-admitted solutions. Agents and brokers benefit from McGowan’s strong market relationships and commitment to helping you deliver value-added solutions to your contractor clients. Contact McGowan today to learn how their Trade Contractors Umbrella Insurance program can help you grow your book and meet your clients’ excess liability needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for trade contractors such as electricians, HVAC technicians, roofers, masons, and others working in residential, commercial, or municipal construction environments. What coverage limits are available?Umbrella limits start at $1MM and can go up to $100MM. Excess layers can also be written from $1MM to $100MM over qualifying lead umbrellas. Is admitted paper available?The program is available in most states, primarily on a non-admitted basis. Availability may vary by carrier and coverage specifics. Are there any underwriting requirements for the underlying carriers?Yes, underlying carriers generally need to be rated A- / VII or better. Exceptions may be made for Employers Liability carriers. How quickly can submissions be reviewed?McGowan is known for responsive underwriting. Turnaround time depends on the completeness of the submission and complexity of the risk. Need help placing an account? Connect with a market specialist.

...amping operations, and tool & die makers that have well-defined operations and...

Carpenters face daily, specialized jobsite risks — from falls and equipment accidents to repetitive-motion injuries. A single claim can create significant financial exposure for contractors and for the agents who place them. Novatae Risk Group’s Carpentry Workers Compensation Insurance Program is tailored to help brokers place high-hazard, hard-to-place carpentry and construction risks with speed and precision. Using Empire’s underwriting platform, Novatae gives brokers access to a broad panel of markets and flexible solutions built for carpentry operations. Whether the account is a newly formed business, has prior large losses, or is otherwise difficult to place, this program focuses on fast quotes, responsive underwriting, and placement options across admitted and non-admitted markets. Ideal Accounts and Appetite Experience MOD of 1.30 or higher High-hazard or tough classification codes Residential framers, commercial carpenters, specialty carpentry contractors Accounts in state assigned risk pools New ventures, accounts with lapses, cancellations, or non-renewals Multi-state exposures and complex payrolls Hard-to-place workers compensation risks that need specialty underwriting Example scenarios: you might have a contractor with a history of large losses seeking placement, or a newly formed carpentry firm that can’t secure coverage in standard markets. This program is designed to give brokers practical options for those accounts. Coverage Highlights and Advantages Standalone Workers Compensation policies Access to multiple “A”-rated carriers (varies by state) Quick turnaround and hands-on underwriting Guaranteed cost, dividend, retrospective, and high-deductible plan options Integrated solutions for large or complex accounts Custom handling based on account size, loss history, and complexity The program offers flexibility to help brokers remain competitive in the high-risk workers compensation marketplace, from single-state carpentry risks to multi-state contractor operations. Underwriting Requirements and Minimum Premium Completed ACORD 130 application 3–4 years of currently valued loss runs Details on any large losses or open claims Supplemental questionnaire when applicable The program’s minimum premium is $10,000. Underwriting flexibility may be available for qualified accounts; submit complete documentation to accelerate review. Territories and Market Access This program is available 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, WI. Admitted and non-admitted markets are available depending on the state and the account profile; carrier access varies by state. Why Partner with Novatae Risk Group? Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines Broker with deep experience placing high-hazard workers compensation accounts. Our underwriters know the carpentry sector and work with a broad market panel to find placement solutions for challenging submissions. We welcome the chance to review your carpentry accounts and help you find the right market and structure. Call our team at 800-758-8113, or email submissions to [email protected]. Frequently Asked Questions What types of carpentry businesses are eligible for this program?The program targets high-hazard carpentry operations, including residential framers, commercial carpenters, and specialty contractors with elevated MODs or adverse loss histories. Can I submit accounts with no prior coverage or those that have been non-renewed?Yes. The program accepts new ventures, accounts with lapses, cancellations, or non-renewals, subject to underwriting review and documentation. Which states is the program available in?This program is available in more than 45 states, including large markets such as CA, TX, FL, and NY. Carrier availability varies by state and account profile. What is the minimum premium for this program?Minimum premium starts at $10,000. Underwriting flexibility on minimums may be considered for qualified submissions. How quickly can I expect a quote?Turnaround is typically fast when a completed ACORD 130, current loss runs, and any supplemental information are provided up front. Need help placing an account? Connect with a market specialist.

...mples: • Asphalt and concrete • Cabinets • Cellular tower • Heating and ai...

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.