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...ved in the aerial application of chemicals, fertilizers, and other agricultura...op, and jet-powered units used in agricultural aviation. Are chemical drift or...

...ned to serve a wide variety of agricultural class codes across all U.S. states...program?We target a wide range of agricultural operations, including crop farm...

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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.

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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.

Workers Compensation Insurance Coverage for Paving Contractors can be a significant expense due to the high-risk nature of the work. Employees are exposed to numerous hazards, including burns from hot materials, chemical exposure, respiratory issues from smoke and fumes, and physical injuries such as back strains, sprains, or hernias from lifting heavy equipment. Even the most safety-conscious paving contractors are not immune to workplace accidents, making the right workers' comp coverage essential. Novatae Risk Group, through its partnership with Empire Underwriters, brings over 30 years of experience in helping agents and brokers secure tailored Workers Compensation Insurance for Paving Contractors. We understand the unique challenges your paving clients face and offer access to a range of carriers and solutions designed specifically for high-hazard industries. Ideal Accounts and Appetite: Experience MOD of 1.30 or higher High hazard or tough class codes Blue, gray, and white collar workforce Accounts currently in state pools or assigned risk funds Distressed or lapsed policies New ventures with no prior coverage Multi-state operations Hard-to-place workers compensation risks If you have a client with a history of claims, a new business venture in paving, or an account that has been declined elsewhere, this program is designed to help you find coverage options that fit. Coverage Highlights and Advantages: Fast turnaround on submissions Access to many "A" rated carriers Stand-alone workers compensation policies Guaranteed cost programs Integrated work comp solutions Dividend and retroactive plans available High deductible options Custom account handling tailored to your client's needs Underwriting Requirements and Minimum Premium: Completed ACORD 130 application 3–4 years of loss runs Detailed explanations of any large losses Supplemental questionnaire Minimum premium starts at $10,000, and underwriting flexibility is available for qualified accounts. Territories and Availability: This program is available in most states including but not limited to CA, FL, TX, NY, NJ, IL, and GA. We specialize in multi-state exposures and can assist with accounts operating across multiple jurisdictions. Why Work With Novatae Risk Group: As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group provides agents with access to a broad range of markets and customized workers compensation solutions for challenging classes. With decades of experience and a focus on high-risk industries like paving, we offer responsive service, deep market access, and underwriting expertise you can rely on. Need a Workers Compensation Insurance Quote for your paving 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 paving contractors with high MODs, multi-state operations, prior losses, or those in assigned risk pools. New ventures are also considered. Can I submit accounts with lapsed or canceled coverage?Yes. Distressed accounts, including those with lapsed or canceled policies, are within the program’s appetite, provided underwriting requirements are met. What documents are required to get a quote?You’ll need an ACORD 130, 3–4 years of loss runs, details of any large losses, and a completed supplemental questionnaire. Is this program available in all states?The program is available in most states, including CA, TX, FL, NY, and IL. Multi-state exposures are a specialty. What is the minimum premium for eligible accounts?The minimum premium requirement is $10,000. Pricing varies depending on account details and underwriting evaluation. Need help placing an account? Connect with a market specialist.

USG Insurance Services, Inc. is a national wholesaler and managing general agent (MGA) with 18 offices across the country and the ability to write in all 50 states. Built from the ground up by some of the top executives in insurance, USG continues to expand operations nationwide while providing innovative solutions for the risk management industry. The USG team consists of experts divided not by territory, account size, or coverage who can help meet all commercial insurance account needs. We are problem solvers for all commercial lines coverages and specialize in hard-to-place risks, providing our agents with focused expertise and solutions. In 2016, USG is celebrating 15 years in business and continues to outpace industry growth metrics with a state-of-the-art Service Center, Marketing Department, and IT Department. We have also branched out into several specialty divisions, including AAU: Allied American Underwriters, Brokers Financial Services, BFS Inspections, Into Innovations, and Aureate. Our forward-thinking technology continues to evolve through our proprietary system, I3x, that expedites quote process and policy service; and through the launch of a new online and phone quoting system, INS LINK, that will streamline small transactional accounts and bring in additional opportunities nationally. USG's corporate office is located in Tampa, Florida; and our flagship office is located in Canonsburg, Pennsylvania. Contractors Pollution Liability Site Specific Pollution Restoration Contractors Asbestos Abatement Mold Remediation Storage Tanks AST's/UST's Refuse Hauler

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.