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...luding: Oil, gas and petrochemical operations — refiners, petrochemical plants, and gas pipeline risks P...efineries, power plants, pipelines, chemical manufacturers, mining operations ...

... Boats and Marine Products Chemicals and Pharmaceuticals Consumer Pr...

Lawn care professionals work in dynamic outdoor environments that bring a distinct set of occupational hazards. From equipment-related injuries to insect bites, heat exposure, and contact with harmful plants, even well-trained crews face regular risk. For agents placing lawn care and landscaping accounts, an appropriate Workers Compensation program is essential to protect both employees and business continuity. Novatae Risk Group, in partnership with Empire Underwriters, provides a tailored Workers Compensation Insurance program built for the lawn care industry. Backed by an "A"-rated carrier network, this program delivers competitive coverage options, efficient turnaround on quotes, and experienced underwriting for risks ranging from small residential crews to larger commercial maintenance operations. Ideal Accounts and Appetite This program is designed for producers placing: Lawn care and landscaping services Grounds and commercial property maintenance contractors Seasonal crews and year-round operations Typical fits include businesses with structured safety programs, routine equipment maintenance, and a manageable loss history. Accounts with significant claims frequency, large payrolls tied to high-risk operations (e.g., tree removal with elevated exposures), or poor safety controls may not be a fit—contact underwriting for borderline risks. Example scenarios you can place through this program: A five-person residential lawn maintenance company with steady seasonal work and clean three-year loss runs. A midsize commercial grounds contractor that provides weekly maintenance for office parks and has established PPE and equipment inspection protocols. Coverage Highlights and Advantages Access to both admitted and non-admitted markets depending on state and risk profile Underwriting backed by "A"-rated carriers 10% commission to agents Program available across more than 20 states Fast quote turnaround when you submit a complete application package Underwriting Notes and Minimum Premiums $7,500 minimum premium Required submission documents (complete submissions get fastest review): ACORD 130 Three years of loss runs Completed supplemental questionnaire Details and explanation for any large losses Territories and Availability This Workers Compensation program is available in the following states: 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, and WV. Availability by territory may depend on admitted vs. non-admitted placement and specific underwriting criteria. Why Work With Novatae Risk Group? As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group gives agents streamlined access to competitive markets and targeted underwriting for lawn care exposures. Working with Empire Underwriters, we emphasize an efficient submission process and timely, accurate quotes so you can place business without unnecessary delay. Whether you’re placing a straightforward account or a tougher risk that needs E&S capacity, our team can help navigate options. Need a Workers Compensation quote for a lawn care client? Send an email to [email protected] with the submission package 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 Compensation program?This program is best for lawn care companies, landscaping businesses, and grounds maintenance contractors that have documented safety practices and a manageable claims history. What documentation is required to submit an application?Provide a completed ACORD 130, three years of loss runs, the supplemental questionnaire, and details on any large losses to ensure a timely review. In which states is this program available?Coverage is available in over 20 states including CA, FL, TX, NY, and GA. Reach out to underwriting for confirmation on a specific state or territory. How quickly can I get a quote?With a complete submission, the program offers fast turnaround times. Missing items can delay review, so include all required documents up front. Is this program available through admitted or non-admitted markets?We can place accounts in both admitted and non-admitted markets depending on the state and the risk profile. Need help placing an account? Connect with a market specialist.

...acilities using heavy industrial chemicals. Ideal Accounts and Target Appetit...e-based operations or use regulated chemicals. Territories and Availability P...

Comprehensive Insurance Solutions for Oil and Gas Contractors Sloan Mason Insurance Services, Inc. offers specialized access to a new facility backed by various 'A'-rated carriers, providing tailored Oil and Gas Contractors Insurance solutions. This program is designed to support contractors and lease operators in the energy sector, including those with up to 20% offshore exposure. With competitive terms and deep underwriting expertise, Sloan Mason is a trusted wholesale partner for agents and brokers seeking solid placement options in this complex and high-risk industry. Ideal Accounts and Target Classes This program is ideal for a wide range of oil and gas service providers. Whether your client is performing onshore lease operations or involved in offshore support, Sloan Mason’s markets can accommodate varied risk profiles. Target classes include: Geophysical Exploration Oil or Gas Lease Work by Contractors Oil or Gas Lease Operators Instrument Logging or Survey Work Acidizing or Cementing Services Cleaning or Swabbing Operations Perforating and Shooting Specialty Tool Operation by Contractors Recovery, Perforating, or Installation of Casing Minimum premiums vary by carrier, starting at $2,500, depending on class and exposure. Coverage Highlights and Available Endorsements This program offers broad coverage options to help insureds manage the unique exposures of the oil and gas industry. Available coverages and enhancements may include: Blanket Additional Insured and Waiver of Subrogation In REM Coverage Gulf of Mexico Operations Non-Owned Watercraft Liability Pollution Coverage (Time Element and Full Pollution, depending on carrier) These options provide flexibility to tailor policies for each client's operational footprint and risk level. Underwriting Requirements To receive a full underwriting review and the most competitive quote, agents should be prepared to submit the following documentation: 5-year payroll history 5 years of currently valued loss runs by line (within 120 days of requested effective date) ACORD applications for each line of coverage requested Completed supplemental applications You can download the required Oil and Gas Contractors Data Sheet to streamline the submission process. Program Availability This offering is available in most states across the U.S., including key energy-producing regions such as Texas, Louisiana, Oklahoma, and Pennsylvania. Sloan Mason works with both admitted and non-admitted markets, depending on the state and risk profile, to ensure flexibility and competitive pricing. Why Partner With Sloan Mason Insurance? As a wholesale broker with deep specialization in oil and gas risks, Sloan Mason brings decades of experience and market access to agents and brokers nationwide. Their ability to secure terms from top-rated carriers and understand the nuances of energy accounts makes them a valuable partner for challenging placements. Whether you’re placing a small contractor performing swabbing services or a larger operator with offshore exposure, Sloan Mason is equipped to help you navigate coverage options and underwriting requirements efficiently. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for oil and gas contractors and lease operators performing services such as geophysical exploration, cementing, casing installation, and offshore work up to 20% exposure. Are offshore operations eligible for coverage?Yes, accounts with up to 20% offshore exposure can be considered, depending on underwriting and carrier guidelines. What is the minimum premium for this program?Minimum premium varies by carrier, with starting points typically around $2,500, depending on the class of business and exposures. What documentation is needed to get a quote?Agents should provide 5-year payroll history, 5 years of loss runs (valued within 120 days), ACORD forms, and the applicable supplemental applications. Which states is this program available in?This program is available in most U.S. states, including major oil and gas regions like TX, OK, LA, and PA. Need help placing an account? Connect with a market specialist.

...e shop to chronic exposures from chemicals and heavy machinery. Novatae Risk G...

Even the most experienced lawn care professionals know that accidents happen—often unexpectedly and without fault. Damage to a client’s property, bodily injury, or other liabilities can occur in the normal course of business. That’s why General Liability Insurance is essential for your clients in the lawn care industry. Novatae Risk Group offers a specialized General Liability Insurance program tailored specifically for lawn care contractors. This coverage helps protect their operations and financial stability when unforeseen incidents occur. Through our partnership with an “A”-rated carrier, we’ve developed a comprehensive solution designed to meet the unique risks faced by small to medium-sized commercial and residential lawn care operations. This program is available to appointed brokers and agents across a wide geographic footprint and is backed by expert underwriting and responsive service. Ideal Accounts and Appetite This program targets small to mid-size lawn care contractors with an annual payroll under $1,000,000. Eligible operations include: Commercial Lawn Care Services Residential Lawn Care Services We can consider accounts involved in both new construction and remodeling projects for residential and commercial properties, including single-family homes. However, risks involving new construction of condominiums, townhouses, or projects over three stories are generally ineligible, with some exceptions. Coverage Highlights and Advantages Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate limits Subsidence coverage (with limitations) Prior Projects coverage (with limitations) These coverage features help your clients meet contractual requirements and protect them from costly claims that could otherwise disrupt or even close their business. Underwriting Requirements and Minimum Premium Completed ACORD Applications 3 to 5 years of currently valued loss runs Supplemental Application Pollution - Project Specific Application (if applicable) The minimum premium for this program starts at $1,500, making it accessible for smaller operations while still offering robust protection. Territories and Availability This program is available in the following states: 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 offer both admitted and non-admitted options, backed by carriers rated as high as A-XV. Why Work With Novatae Risk Group As a wholesale broker with deep expertise in contractor risks, Novatae Risk Group delivers market access, underwriting insight, and fast turnaround on submissions. Whether your client is a solo operator servicing residential lawns or a growing team managing commercial landscape contracts, we can help you find the right general liability solution to meet their needs. Do you need a General Liability Insurance quote for your Lawn Care Contractor 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 small to mid-size lawn care contractors with annual payrolls under $1,000,000, including both residential and commercial service providers. What classes of business are excluded from this program?Accounts involving new construction of condominiums, condo conversions, townhouses, or buildings over three stories are generally ineligible, though exceptions may apply. Which states is this program available in?The program is available in over 25 states, including CA, FL, TX, GA, NC, and others across the South, West, and Midwest regions. What is the minimum premium for this program?The minimum premium starts at $1,500, making it a suitable option for smaller lawn care businesses. What submission documents are required?Required documents include ACORD applications, 3 to 5 years of currently valued loss runs, a supplemental application, and a pollution-specific application if applicable. Need help placing an account? Connect with a market specialist.

...A single slip-and-fall incident, chemical mishap, or accidental damage to high...

Tree service contractors face some of the highest risks in the industry, with hazardous job sites, heavy equipment, and unpredictable outdoor conditions. Having the right Workers Comp Insurance is critical to protecting your clients and their employees from workplace injuries and costly claims. Novatae Risk Group, in partnership with Empire Underwriters and top-rated carriers, offers a specialized Workers Comp program designed for tree contractors and related high-risk classes. This program is ideal for agents and brokers seeking flexible solutions for tough-to-place accounts, including those with high MODs, multi-state operations, or gaps in coverage. Whether your client is a new venture or has been declined or non-renewed in the past, Novatae’s underwriting team understands the unique exposures faced by tree service professionals and can help you find the right fit. Appetite: Experience MOD of 1.30 or higher High-hazard industries, including tree trimming and removal Blue, gray, and white collar job classes Accounts currently in state funds or assigned risk pools Distressed or lapsed policies New businesses with no prior coverage Multi-state exposures Hard-to-place Workers Comp risks Program Features: Fast turnaround on quotes and submissions Access to multiple “A” rated carriers Stand-alone Workers Comp policies Guaranteed cost and high deductible options PEO, ASO, and non-PEO contract solutions Integrated Work Comp solutions for complex accounts Dividend and retro plans available Consent to Rate services for difficult renewals Custom account handling and support Client option to cut checks in-house Underwriting Requirements: Completed ACORD 130 application 3–4 years of loss runs Details on any large losses Supplemental questionnaire Territories and Availability: This Workers Comp program is available in most states, including AL, 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, DC, and WI. Minimum premium typically starts at $10,000, and coverage is offered through both admitted and non-admitted markets, depending on state availability and account fit. Why Work With Novatae Risk Group? Novatae Risk Group is a trusted Managing General Underwriter and Excess & Surplus Lines Broker with deep expertise in placing complex and high-hazard Workers Comp risks. Through its partnership with Empire Underwriters, Novatae delivers competitive solutions for agents who need fast, dependable access to specialty markets. Whether you’re working with a tree trimming company with a challenging claims history or a new startup needing guidance, Novatae can help you deliver the right coverage at the right time. Need a quote for your Tree Contractor client? Send submissions to [email protected] or call 800-758-8113 to speak directly with an underwriter. Frequently Asked Questions What types of tree contractor accounts are a good fit for this program?This program is well-suited for high-hazard tree trimming and removal companies, especially those with MODs over 1.30, prior losses, or multi-state operations. Can I submit new ventures or accounts with no prior Workers Comp coverage?Yes. New ventures and accounts with no prior coverage or a lapse in coverage are eligible for consideration under this program. Which states is this Workers Comp program available in?This program is available in over 45 states, including CA, FL, TX, NY, and many others. Contact underwriting for state-specific eligibility. Do you offer solutions for clients currently in a state fund or assigned risk pool?Yes. We specialize in helping agents move accounts out of state funds or pools into more competitive private market solutions. What submission documents are required to get started?You'll need a completed ACORD 130, 3–4 years of loss runs, details on large losses, and a supplemental questionnaire. Need help placing an account? Connect with a market specialist.