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Landscaping contractors face daily risks—from equipment-related injuries to jobsite accidents—that can lead to costly workers compensation claims. Novatae Risk Group offers a dedicated Workers Compensation Insurance program designed specifically for landscape contractors, helping agents secure reliable coverage for clients in this high-risk industry. Through a partnership with Empire Underwriters and an “A” rated carrier, Novatae provides access to a competitive workers compensation solution with streamlined underwriting and fast turnaround times. This program is ideal for agents looking to place hard-to-insure landscaping risks with a responsive and experienced partner. Ideal Accounts and Appetite This program is tailored for landscape contractors of all sizes, including companies involved in lawn care, tree trimming, irrigation system installation, and landscape design and maintenance. Accounts with a solid safety record and detailed loss histories are especially desirable. You might have a client operating a multi-crew landscaping business across several residential and commercial properties—that’s the kind of account this program is built for. Startups and small contractors may also qualify, as long as they meet underwriting requirements. Program Highlights Available through an “A” rated carrier Coverage in over 20 states 10% commission Fast quote turnaround with complete submissions Underwriting Requirements and Minimum Premium Minimum premium of $7,500 Required submission documents: Acord 130 3 Years of Loss Runs Supplemental Questionnaire Details on any large losses Territories and Market Access Coverage is available in more than 25 states, including 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. Novatae Risk Group writes through all available admitted and non-admitted markets, offering flexibility for a variety of risk profiles. Why Work With Novatae Risk Group? Novatae Risk Group is a trusted Managing General Underwriter and Excess & Surplus Lines Broker with access to a broad network of carriers. Their partnership with Empire Underwriters and deep understanding of specialty trades like landscaping make them a smart choice for agents and brokers who need fast, reliable workers compensation solutions in a challenging market. Do you need a Workers Compensation Insurance Quote for your Landscape Contractor 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 accounts are a good fit for this workers compensation program?This program is ideal for landscape contractors, including lawn care services, tree trimming, irrigation installation, and general landscape maintenance companies. What states is this program available in?The program is available in over 25 states, including major markets like CA, FL, TX, NY, and IL. Contact the underwriter for specific state eligibility. What documents are required to submit an application?You’ll need to submit a completed Acord 130, three years of loss runs, a supplemental questionnaire, and details on any large losses. Is there a minimum premium for this program?Yes, the minimum premium for eligible accounts starts at $7,500. How quickly can I get a quote?Quotes are typically turned around quickly once all required documents are submitted. Fast service is one of the program’s key advantages. Need help placing an account? Connect with a market specialist.

Monarch Partners Group LLC (MPG) has been a trusted resource for independent agents and brokers nationwide for over 25 years, offering innovative workers' compensation solutions for tough-to-place accounts. MPG specializes in higher-risk industries, staffing operations, startups, distressed businesses, and accounts that have been non-renewed or cancelled from standard markets. Overview of the Program MPG’s exclusive Payroll Opt-out Work Comp Program (POWC) is a standout solution for companies needing workers' compensation coverage but wanting to retain their payroll operations. Leveraging a PEO master policy structure, this program allows risks to opt out of payroll and tax services while retaining all the benefits of a comprehensive WC policy. Clients enjoy favorable x-mods, pay-as-you-go premium billing, improved cash flow, and no year-end audits—ideal for companies frustrated by limited options in the assigned risk pool or those coming off coverage lapses. Ideal Accounts and Target Classes MPG targets higher-risk, hard-to-place businesses across a wide range of industries: Construction & Contractors Disaster Cleanup Cannabis-related businesses Agriculture & Farming Nursing Homes & Home Care Wholesale Distributors Restaurants & Hotels Janitorial Services Landscaping Manufacturing Medical Transport Staffing Agencies Tree Trimming Painting, Electrical, Plumbing Masonry & Concrete Transportation, Delivery, Taxi/Limo Schools Warehousing Drug & Chemical Industries Security Services New Ventures and Startups Accounts with Lapsed Coverage Whether you’re trying to place a contractor with a high debit X-mod, a staffing agency with a unique class code mix, or a manufacturer recently dropped by their carrier, MPG has solutions tailored for your complex accounts. Program Highlights and Benefits Pay-as-you-go premium billing improves cash flow. Clients maintain their own payroll systems and bank accounts. Access to favorable x-mods and competitive pricing structures. Coverage available in all states, with broad class code acceptance. No year-end premium audits required. Coverage available for new ventures and mid-term replacements. Guaranteed cost and deductible options available. Fast quote turnaround with in-house underwriting available for many risks. Underwriting Guidelines and Submission Requirements MPG seeks accounts with estimated premiums of $50,000 or more. Submissions should include: Completed ACORD 130 3 years of currently valued loss runs (preferably summarized) Current policy declarations/rating pages (or PEO rate sheets) X-Mod worksheet Additional documentation to help assess the risk Territories and Carrier Access MPG’s workers’ compensation programs are available in all 50 states plus DC. With access to multiple "A"-rated carriers and flexible underwriting, MPG offers both admitted and non-admitted solutions depending on the risk profile and state regulations. Why Work with Monarch Partners Group LLC? MPG’s decades of experience in the alternative workers’ compensation market make them a go-to partner for agents and brokers handling complex accounts. Their focus on staffing and high-hazard classes, coupled with responsive underwriting and competitive commissions, means you get reliable support, fast answers, and satisfied clients. For agents working on challenging WC placements, Monarch Partners Group offers the expertise, tools, and flexible program designs to get deals done. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for high-risk, hard-to-place businesses such as staffing firms, contractors, transportation companies, and those with high X-mods or prior coverage lapses. Can clients keep their own payroll systems?Yes. Through the Payroll Opt-out Work Comp Program (POWC), clients can retain their payroll, tax IDs, and bank accounts while benefiting from MPG’s workers’ comp policy. Is this program available nationwide?Yes. MPG offers coverage solutions in all 50 states and Washington, DC. What is the minimum premium requirement?MPG typically targets accounts with workers’ comp premiums of $50,000 or more. How fast can I get a quote?MPG offers quick turnaround times, especially when complete submission materials are provided, including ACORD forms, loss runs, X-mod sheets, and policy declarations. Need help placing an account? Connect with a market specialist.