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Novatae Risk Group offers a dedicated Workers Compensation Insurance program tailored to electrical contractors. Electricians and electrical contractors face unique job-site hazards — electrical burns, falls, and equipment-related injuries — that can lead to costly claims and business interruption. This program helps independent agents and brokers place reliable workers compensation coverage that addresses those specific risks while protecting your clients’ balance sheets. Built through a strategic relationship with an "A"-rated carrier, the program is designed for speed and ease of placement. Novatae provides responsive underwriting, a streamlined submission process, and flexible access to admitted and non-admitted markets so you can get quotes and bind coverage efficiently. The program is positioned for agents who need a dependable market and competitive terms for electrician risks. Ideal Accounts and Appetite This program is a fit for a broad range of electrical contracting operations, including residential, commercial, and light industrial electricians. Typical appetites include contractors who perform wiring for new construction, service and maintenance on residential and commercial properties, and small-scale industrial electrical work. You’re likely to place accounts that have clear safety programs and a stable or improving loss history. Accounts with routine job-site exposures — ladder work, overhead wiring, conduit installation, and equipment servicing — are a good match. Accounts with frequent large losses, ongoing regulatory issues, or highly specialized industrial exposures should be discussed with underwriting before submission. Coverage Highlights and Advantages Workers Compensation coverage specifically tailored for electrical contractors Coverage available in over 25 states with both admitted and non-admitted placement options Streamlined submission process and fast turnaround when submissions are complete 10% commission for appointed agents The program pairs focused underwriting with carrier strength to offer agents a reliable market for new and renewal business. Whether you’re moving a difficult account or placing a standard contractor with solid controls, Novatae’s team can help identify the best placement path. Underwriting Notes and Minimum Premiums Minimum premium: $7,500 Submission requirements include: Completed ACORD 130 application Three years of loss runs Supplemental questionnaire Details on any large or recent losses Territories and Availability Coverage 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. The program leverages both admitted and excess & surplus markets to provide placement flexibility based on your client’s location and risk profile. Why Work With Novatae Risk Group As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group specializes in niche contractor classes and complex placements. Agents benefit from direct underwriting access, practical guidance on loss control, and market relationships that help deliver timely quotes and bindable terms. Novatae focuses on efficient service to help you grow and retain electrician accounts. Need a Workers Compensation quote for your electrical contractor client? Email your submission to [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of electrical contractors are eligible for this program?This program is designed for residential, commercial, and industrial electrical contractors that demonstrate a commitment to safety and a stable loss history. What documents are required to submit a new account?A completed ACORD 130, three years of loss runs, the supplemental questionnaire, and details on any large or recent losses are required for underwriting review. What is the minimum premium for this workers compensation program?The program has a minimum premium starting at $7,500, which is suitable for many small to mid-sized electrical contracting businesses. In which states is this program available?Coverage is available in over 25 states, including CA, TX, FL, NY, GA, and IL. Both admitted and non-admitted placement options may be used depending on the state and account specifics. How quickly can I receive a quote?Underwriting aims to turn quotes around quickly once a complete submission is received. Providing full documentation up front helps speed the process. Need help placing an account? Connect with a market specialist.

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