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

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.

Novatae Risk Group offers a focused Mineral Milling Workers Compensation Insurance program tailored for employers who operate mineral milling facilities. We understand that costs can be significant and exposures vary with operation size and staffing — from management and runners to hands-on operators. This program is built to address those industry-specific risks with disciplined underwriting and broad market access. This program is underwritten through experienced partners familiar with mineral milling exposures. Novatae Risk Group and our underwriting partners perform detailed, risk-focused evaluations so you can place Workers Compensation coverage with confidence across a number of "A" rated carriers. To discuss a Mineral Milling Workers Compensation submission, please call 800-758-8113 or email [email protected] for immediate assistance from an underwriter. Program Features: Only $7,500 Minimum Premium Program Highlights: 10% commission Fast turnaround for quotes with completed application Coverage available in over 20 states Submissions: Acord 130 3 Years Loss Runs Supplemental Questionnaire Details on Large Losses Ideal Accounts and Appetite This program targets mineral milling operations with established safety programs and routine maintenance controls. Ideal accounts typically include small to mid-sized mills with predictable payrolls and clear classification of duties for management, runners, and operators. Accounts with significant subcontractor exposures, uncontrolled remote operations, or extremely high loss frequency may require additional underwriting review or alternative markets. Coverage Advantages Underwriting focused on mill-specific exposures rather than broad manufacturing categories Access to multiple A-rated carriers to achieve competitive terms Streamlined quoting when required submission documents are provided Underwriting Notes and Minimums Provide a completed Acord 130, three years of loss runs, the program supplemental questionnaire, and full details on any large losses to obtain a timely quote. The program has a minimum premium of $7,500; higher minimums may apply in select states or for accounts with elevated exposures. Territories and Admitted Status Availability: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, WV. Admitted status: All Available Markets. Coverage availability and placement options vary by state; contact underwriting for specifics. Why Place Mineral Milling Business with Novatae Risk Group Novatae Risk Group provides agents with a specialized placement option for mineral milling Workers Compensation risks, combining industry-aware underwriting, carrier access, and prompt service. You get a dedicated underwriting partner who understands mill exposures and can help structure terms that match your client’s operations. Example account: You might have a regional mineral mill with 25 employees — a plant manager, shift supervisors, several operators, and material handlers — with three years of stable loss history and a documented safety program. This program is positioned to provide competitive Workers Compensation terms for that profile. Do you need a Workers Compensation Quote for your Mineral Milling client? 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 mineral milling accounts are a good fit for this program?Good-fit accounts are small to mid-sized mills with clearly defined roles (management, runners, operators), documented safety and maintenance programs, and three years of loss history. High-frequency loss accounts or uncontrolled subcontractor exposures may need additional review. What documents are required to get a fast quote?Submit a completed Acord 130, three years of loss runs, the program supplemental questionnaire, and full details on any large losses to help underwriting provide a timely quote. Is the program available in my state?The program is available in the listed states. Coverage options and admitted vs. non-admitted placement depend on state rules and the specific account; contact underwriting for state-specific details. What is the minimum premium and how does it affect small accounts?The program minimum premium is $7,500. Smaller accounts below that threshold may need alternative placement or consolidation strategies to meet the program minimums. How quickly can I expect a quote after submission?When you provide the required submission materials, the program emphasizes fast turnaround. Timelines vary by complexity, but complete submissions receive priority handling from underwriting. Need help placing an account? Connect with a market specialist.

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.

Janitorial and cleaning businesses face unique and elevated risks due to the nature of their off-site operations. Employees often travel to multiple job locations, increasing exposure to injuries, illnesses, and liability claims. For agents working with janitorial clients who are ineligible for standard workers' compensation markets, Novatae Risk Group offers a tailored Non-Standard Workers Comp Insurance program designed to meet the specific needs of this challenging class. This program is an excellent solution for cleaning and janitorial companies that have been declined, non-renewed, or priced out of the standard market. With flexible underwriting and access to multiple carriers across all available markets, Novatae helps agents place tough accounts while delivering real value to clients. Program Highlights: “Pay-As-You-Go” Non-Standard Workers Comp with reduced costs No premium deposit required No premium audits Significant cash flow advantages Loss control and risk management support Fair and aggressive claims management HR services including unemployment claims, garnishments, COBRA, and more Full payroll services with tax remittance, 941s, and W-2s Client option to process payroll in-house ASO (Administrative Services Only) and PEO (Professional Employer Organization) options High retention product—continues until cancelled Ideal Accounts and Submission Appetite: Accounts exiting a state fund or assigned risk pool Accounts non-renewed or cancelled due to high exposure or loss history Accounts with X-Mods between 1.3 and 3.0 New ventures or operations with no prior coverage but in tough classes Accounts with lapses in coverage and adverse loss experience Businesses with manual rates of $8 to $50 or more and other risk factors You might have a janitorial client with a lapse in coverage and a history of claims exceeding $20,000. Or, perhaps you’re working with a new cleaning business struggling to find coverage due to interstate exposure or classification issues. These are the types of accounts this program is purpose-built to serve. Not a Fit For: Accounts that qualify for standard market workers comp Accounts just shopping for a better rate Accounts with credit X-Mods and little to no loss history Accounts not meeting any of the eligibility criteria Submission Requirements: Completed Acord 130 Class-specific supplemental application (available on the program page) Three years of loss history Loss history affidavit for accounts with lapse or no prior coverage Explanation for claims exceeding $20,000 Experience Mod worksheet Territories and Market Access: This program is available in all 50 states plus Washington, D.C. Admitted and non-admitted options are available depending on the state and carrier. Novatae Risk Group works with a variety of markets to place the right fit for your client. Why Work With Novatae Risk Group? As a Managing General Underwriter and E&S Broker with deep expertise in hard-to-place workers comp risks, Novatae provides agents with a reliable partner for tough janitorial accounts. From responsive underwriting to full-service HR and payroll capabilities, Novatae is committed to helping agents deliver value, efficiency, and client satisfaction. Need a Non-Standard Workers Comp Quote for a Janitorial Account? 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 is ideal for janitorial and cleaning companies with high X-Mods, lapses in coverage, prior cancellations, or tough classification issues that make them ineligible for standard workers comp markets. Is this a PEO-only program?No. Novatae offers both PEO and ASO (Administrative Services Only) options, along with payroll services. Clients can also choose to cut checks in-house if preferred. Are new ventures eligible for coverage?Yes, new janitorial businesses with no prior coverage can be considered, especially if they face tough underwriting criteria or operate across state lines. What documentation is needed to get a quote?Submissions require an Acord 130, a class-specific supplemental application, three years of loss history (or affidavit if not available), explanation of large claims, and an Experience Mod sheet. In which states is this program available?This program is available in all U.S. states and Washington, D.C., with access to both admitted and non-admitted markets depending on the state. Need help placing an account? Connect with a market specialist.

Painting contractors may not be responsible for a building’s structure, but their work directly affects its appearance and value. Even with good safety practices, painting jobs can generate costly workers’ compensation claims — particularly for accounts that are difficult to place. Novatae Risk Group offers a specialized Non-Standard Workers Comp Insurance program tailored to painting contractors, including high-risk, previously declined, or otherwise non-standard accounts. Offered through our partnership with Empire Underwriters, this program addresses the needs of non-standard risks — from contractors with elevated experience modification factors to those turned away by the standard market. If your client has had coverage lapses, adverse loss history, or is transitioning off a state fund or assigned risk pool, Novatae helps you move the account quickly and efficiently. Program Highlights Pay-As-You-Go workers’ comp to lower up-front cash requirements No premium deposit required No premium audits, simplifying administration Improved client cash flow and predictable premiums Proactive loss control and risk management resources Efficient, fair claims handling HR support services (unemployment claims, garnishments, COBRA, etc.) Full-service payroll with tax remittance and compliance (941s, W-2s) Option for clients to issue payroll checks in-house ASO (Administrative Services Only) and Non-PEO options PEO / employee leasing option also available High-retention product with continuous coverage until canceled Ideal Accounts and Underwriting Appetite Painting contractors exiting state funds or assigned risk pools Accounts non-renewed or canceled by standard carriers for high exposure or prior losses (X-Mods between 1.3 and 3.0) Clients with prior coverage but facing cancellation because of heavy losses Accounts with lapses in coverage or no prior insurance history Risks with tough class codes, challenging loss histories, or adverse underwriting profiles Accounts with manual rates from roughly $8 to $50+ and elevated X-Mods Submissions must meet at least one of these criteria to be considered for the PEO program. Accounts that have viable standard-market options or are simply rate-shopping are not appropriate for this product. Submission Requirements Completed ACORD 130 application Class-specific supplemental form (available on our website) Three years of loss history Loss History Affidavit for accounts with no prior or lapsed coverage Explanation for any claims exceeding $20,000 Experience Mod worksheet Territories and Market Access This program is available in most states (over 45), including AL, AK, AZ, CA, FL, GA, IL, NY, TX and many others. Markets and carriers vary by state, and we can place business in both admitted and non-admitted markets depending on the state and risk profile. Why Work With Novatae Risk Group? As a Managing General Underwriter and E&S broker, Novatae Risk Group combines deep underwriting expertise with wide market access to place challenging workers’ compensation risks. Our relationship with Empire Underwriters provides real underwriting authority, flexible options, and responsive service. We understand the exposures common to painting contractors — from ladder and scaffolding exposures to slip-and-fall and lead/chemical concerns — and deliver placement solutions that agents can rely on. Need a Non-Standard Workers Comp Insurance quote for a painting contractor? Send a submission to [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of painting contractor accounts are a good fit for this program?This program is ideal for accounts with prior losses, high experience mods, coverage lapses, or those exiting state funds or assigned risk pools. Is prior coverage required to qualify?No. Accounts with no prior coverage or a lapse in coverage may still be eligible if they meet other underwriting criteria. Can I submit risks from any state?The program is available in over 45 states. Please refer to the full list to confirm eligibility in your client’s location. What documentation is required to submit an account?You'll need an ACORD 130, class-specific supplemental form, three years of loss history, a loss affidavit (if applicable), and the experience mod worksheet. What makes Novatae Risk Group a strong partner for this coverage?Novatae offers deep underwriting expertise, access to both admitted and non-admitted markets, and a flexible program that addresses the unique needs of high-risk painting contractors. Need help placing an account? Connect with a market specialist.

Manufacturing operations carry a distinct set of risks—especially for Workers Compensation. Novatae Risk Group understands those complexities and offers a Manufacturing Workers Compensation Insurance program tailored for high-hazard and hard-to-place manufacturing accounts. Through our partnership with Empire Underwriters, we help brokers and agents place Workers Compensation coverage for a broad range of manufacturing classes. We work with manufacturers of plastics, metals, food products, industrial equipment, and more. Whether your client is a startup, has a high MOD, or has been declined elsewhere, our team has the underwriting experience and market access to pursue the right solution. Ideal Accounts and Appetite MOD 1.30 or greater High-hazard manufacturing classes Blue, gray, and white collar operations State fund or assigned risk pool accounts Accounts with lapses in coverage, cancellations, or non-renewals Startups and new ventures Multi-state operations Hard-to-place Workers Compensation risks If you have a manufacturing client with a challenging Workers Compensation history or a complex operations profile, we want to see it. For example, you might have a metal fabrication shop with prior large losses or a commercial bakery expanding into multiple states—both are strong candidates for this program. Coverage Highlights and Advantages Fast quote turnaround to keep placements moving Access to multiple "A"-rated carriers (varies by state) Stand-alone Workers Compensation policies Guaranteed cost, dividend, and retro-rated plan options High-deductible structures available Integrated, customized account handling and advocacy We focus on flexible, market-driven solutions. Whether the client prefers a traditional guaranteed cost policy or a high-deductible program, we’ll help structure the coverage to match the risk and budget. Underwriting Notes and Submission Requirements Minimum premium: $10,000 ACORD 130 application 3–4 years of loss runs Details on any large losses Completed supplemental questionnaire Including these documents with your submission will expedite review. Our underwriters evaluate each account promptly and will work with you on reasonable risk-management strategies when appropriate. States and Availability 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, and WI. Market availability and carrier options may vary by state. We offer both admitted and non-admitted solutions depending on the risk and jurisdiction. Why Work With Novatae Risk Group? With more than 30 years of experience in the manufacturing sector, Novatae Risk Group and our partners know how to place complex Workers Compensation risks. We combine underwriting expertise, strong carrier relationships, and responsive service to help you place difficult accounts and deliver competitive terms to your clients. Need a quote for a manufacturing client? Email your submission to [email protected] or call us at 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of manufacturing businesses are eligible for this program?We can accommodate a wide range of manufacturers, including plastics, metals, food processing, industrial equipment, and similar sectors—especially those viewed as high hazard or hard to place. Can you help with accounts that have been cancelled or non-renewed?Yes. The program is designed to handle distressed and difficult accounts, including those that have been cancelled, non-renewed, or lack prior coverage. Is this program available for new ventures?Yes. We accept startup manufacturing businesses and new ventures, even if they have limited or no Workers Compensation history. What documents are required to submit a risk?Provide a completed ACORD 130, 3–4 years of loss runs, details on any large losses, and the supplemental questionnaire to start the underwriting review. Which states is this program available in?The program is available in most U.S. states. Carrier options and admitted status vary by state, so contact us to confirm market availability for your client's location. Need help placing an account? Connect with a market specialist.

Overview of the PEO Program from Novatae Risk Group Novatae Risk Group offers a specialized PEO solution tailored for staffing companies that face challenges securing workers' compensation coverage in the standard market. Through our program, agents and brokers can find placement options for difficult staffing accounts—particularly those affected by high experience mods, prior losses, tough class codes, or multi-state exposures. Our PEO for Difficult Staffing Accounts, powered by Empire Underwriters, delivers flexible and creative alternatives to state funds, assigned risk pools, or carriers who are unwilling to renew. With access to top-rated AM Best carriers and a wide range of program structures, we help you place hard-to-write risks efficiently and competitively. Ideal Accounts and Target Classes Staffing firms exiting state funds or assigned risk pools Accounts with X-Mods between 1.30 and 3.0 Clients recently non-renewed or cancelled due to losses Risks with a lapse in coverage (case-by-case basis) Multi-state staffing firms or those with adverse underwriting history Target staffing classes include Construction, Light Industrial, Healthcare, IT/Technical, Clerical, Administrative, Hospitality, and Skilled Trades. We will consider most class codes, depending on the state and risk profile. Example: You might be working with a staffing agency that places light industrial workers across three states and was recently dropped by its carrier after a year of losses. That’s a strong candidate for our PEO program. Coverage Highlights and Program Benefits Custom-tailored solutions for each account High Deductible and Retroactive Plans available Dividend or Return of Premium eligibility (case-by-case) Loss control and risk management support Fair and expert claims handling Automatic renewals with minimal to no audits HR services and optional benefits administration (ACA compliant) Pay-As-You-Go billing and optional zero premium deposits Full-service payroll with tax filing (941s, W-2s, etc.) Multiple Coordinated Policy Programs (MCCP) Master Policy options aligned with NCCI guidelines Fast turnaround on quotes Commissions Great Commissions – Ranges from 6% to 10% of workers' compensation premium, depending on risk class and account size. Submission Requirements Completed Acord 130 Three years of loss runs Loss affidavit for accounts with no prior or lapse Explanation for any claim over $20,000 Current Experience Mod sheet Class-specific supplemental application (Click here for Supplementals) Territories and Availability Our PEO program is available in all U.S. states except monopolistic fund states. We currently write business in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, 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, WV, WI. Why Work With Novatae Risk Group? As a leading managing general underwriter and E&S broker, Novatae Risk Group delivers access to over 12 top-rated carriers including AIG, Zurich, Hartford, Amtrust, Argonaut, State National, and more. We specialize in placing tough-to-insure staffing risks and provide agents with market access, underwriting expertise, and fast service to help you close more business. Whether you're helping a client transition out of an assigned risk pool or dealing with a tough class code, Novatae gives you the tools and options to find a competitive solution. Frequently Asked Questions What types of accounts are a good fit for this PEO program?Staffing companies facing non-renewal, high X-Mods, prior losses, or those exiting state funds are ideal. We also accept multi-state risks and tough class codes. Do you offer coverage in all states?We write in all states except monopolistic fund states, including CA, FL, TX, NY, and many others. What carriers do you work with for this program?We have access to over 12 top-rated carriers including AIG, Zurich, Hartford, Amtrust, Argonaut, and more. How fast can I get a quote?We offer quick turnaround on most submissions, provided all required documents are complete and accurate. What documents are needed to submit an account?You'll need a completed Acord 130, three years of loss runs, Experience Mod sheet, explanations for large claims, and a class-specific supplemental form. Need help placing an account? Connect with a market specialist.

A Vital Workers Compensation Loss Control and Cost Cutting Tool for Companies Nationwide What Novatae Risk Group's Professional Employer Organization (PEO) Program Does for Your Policyholders Novatae Risk Group offers a PEO program built for agents who need a dependable market to place small- and mid-sized employers that require full-service HR and more competitive workers compensation solutions. This program helps your clients outsource payroll, benefits, compliance, and claims management while improving cash flow and reducing workers comp expense through pay-as-you-go billing and hands-on loss control. Place clients who are struggling with high X-Mods, recent losses, tough class codes, lapses in coverage, or complex multi-state operations. Novatae pairs underwriting expertise with broad carrier access to craft practical, market-ready PEO solutions. Why Agents Use Novatae's PEO Solutions Leveraging a PEO through Novatae gives your clients and your agency clear advantages: No large premium deposits or year-end audits Pay-as-you-go workers compensation tied to actual payroll Administrative relief—HR, payroll, benefits, and compliance handled by the PEO Access to stronger employee benefits packages and payroll tax remittance Dedicated loss control and claims services to manage exposures and control frequency Programs designed for retention and simplified servicing for your agency Program Features and Highlights No premium deposits or audits required; improved cash flow with pay-as-you-go billing Comprehensive HR support including onboarding, ACA compliance, and claims management Payroll services with full tax remittance and reporting Flexible program structures — deductible options, dividend/return-of-premium programs, safety credits Integration options for job costing and accounting software High retention — coverage remains in force until canceled, reducing client turnover Target Markets and Ideal Accounts This PEO program is designed to place risks that are otherwise hard to write in the standard market, including accounts that: Are being non-renewed or canceled due to losses or underwriting restrictions Are in assigned risk pools or coming out of state funds Have elevated X-Mods (1.30–3.0) or recent large losses Have lapsed coverage, no prior, or operate in difficult class codes Operate across multiple states or have complex payroll structures Industries where Novatae is especially competitive include (but are not limited to): Manufacturing Construction (roofing, masonry, excavation) Staffing agencies Property management Janitorial and cleaning services Landscaping and demolition In-home care and assisted living Transportation and warehousing Farming and agricultural operations Swimming pool contractors Residential care facilities Gunite and pool plastering contractors Tailored Solutions and Carrier Access Novatae works with over a dozen carriers — including top-rated AM Best markets — to tailor PEO placements. Available options include deductible and dividend programs, safety credits, and payroll delivery choices (direct deposit, mailed checks, or in-house check writing). Software integrations can streamline job costing and reporting to help clients control loss experience. Underwriting Notes and Submission Requirements To evaluate a risk quickly, include the following: ACORD 130 Three years of loss runs Loss history affidavit if there is a lapse or no prior coverage Explanations for claims over $20,000 Experience Mod sheet Applicable supplemental application for the class of business (View Forms) Minimum premiums vary by carrier and program structure; provide complete submissions to get an accurate indication. Territories and Availability The PEO program is available in most non-monopolistic states. Current availability includes: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, 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, WV, WI. Example Accounts You Might Place A regional roofing contractor with a 1.8 X-Mod and frequent subcontractor payroll who needs payroll tax handling, claims management, and a path off the assigned risk market. An in-home care agency expanding to three states with payroll complexity, ACA reporting needs, and prior lapses in coverage — seeking stable benefits and workers comp administration. Why Work With Novatae Risk Group As a Managing General Underwriter and Excess & Surplus Lines broker, Novatae combines deep underwriting expertise with broad carrier relationships to place hard-to-place workers compensation business. Agents benefit from strong market access, program flexibility, professional loss control and claims support, and streamlined servicing so you can retain clients with less administrative burden. Frequently Asked Questions What types of accounts are a good fit for this PEO program?Accounts with high X-Mods, prior large losses, tough class codes, or those coming out of assigned risk pools are a strong fit. Construction, staffing, janitorial, home healthcare, and transportation accounts are frequently placed. Can this program help clients who have been non-renewed or have a lapse in coverage?Yes. The PEO program accommodates non-renewals and lapses, including businesses with challenging loss histories or underwriting restrictions. What states is this program available in?The program is available in most states nationwide, excluding monopolistic states. See the full list above for current state availability. Are there specific submission requirements?Yes. Provide an ACORD 130, three years of loss runs, an Experience Mod sheet, supplemental applications for the class of business, and claims explanations for large losses. What are the advantages for agents placing business through this program?Agents gain access to markets that can place difficult workers comp accounts, receive competitive commission opportunities, and benefit from high client retention with minimal servicing needs. Need help placing an account? Connect with a market specialist.