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Do you have clients with hard-to-place Workers Compensation risks or accounts being forced into the state fund? Novatae Risk Group offers a specialized Non-Standard Workers Comp Insurance program through Empire Underwriters, tailored for businesses that don’t qualify for traditional markets. This program is designed for operations with high-risk classifications, adverse loss histories, lapses in coverage, or other underwriting challenges. With over 30 years of experience, our team understands the nuances of difficult classes and distressed accounts. Whether your client’s policy was non-renewed, canceled, or they’re looking to exit the assigned risk pool, we can help you deliver an alternative solution. Our brokers are ready to assess your submissions and provide flexible, competitive options backed by strong carrier relationships. Call us today at 800-758-8113 to discuss your Non-Standard Workers Comp accounts with an experienced broker. Program Highlights: Pay-As-You-Go Workers Comp – ideal for cash flow management No premium deposit required No premium audits HR support services – including COBRA, garnishments, and unemployment claim assistance Comprehensive payroll services – tax remittance, W-2s, 941s, and more Risk management and loss control services Aggressive, fair claims management Client flexibility – PEO, ASO/Non-PEO, and in-house check cutting options High-retention product – continuous coverage until canceled Ideal Accounts and Target Classes: This program is designed for businesses that fall outside the standard market appetite due to operational risk, loss history, or other underwriting challenges. We specialize in tough classes, including but not limited to: Manufacturing Artisan Contractors Heavy Construction Roofing (min. $150,000 gross payroll) Landscaping Demolition Excavation and Grading Masonry and Concrete Swimming Pool Contractors Painting Property Management Pool Plastering Gunite Contractors Framing and Carpentry Janitorial and Residential Cleaning In-Home Care and Assisted Living Residential Care Facilities Transportation and Freight Handling Warehousing Farming Eligibility Guidelines: Accounts urgently seeking to exit the state fund or assigned risk pool Non-renewed or canceled accounts with X-Mods between 1.3 and 3.0 Accounts with prior losses or heavy claims activity Risks with lapse in coverage or no prior coverage Accounts with governing class codes and manual rates between $8–$50 and a high X-Mod All accounts must meet at least one of the above criteria to be eligible for our PEO division. Accounts already receiving standard market quotes or simply “shopping around” are not eligible. Submission Requirements: Completed Acord 130 Class-specific supplemental (available on our webpage) Three years of loss history Loss affidavit (if lapse in coverage or no prior coverage) Explanation of any claim over $20,000 Experience mod sheet Need a Non-Standard Workers Comp Quote? Email your submission to [email protected] or call 800-758-8113 to speak with an underwriter today. Territories and Carrier Access Novatae Risk Group offers this program in all 50 states and the District of Columbia. Carrier availability and program structure may vary by state. We leverage access to multiple markets to provide flexible, competitive options for tough-to-place risks. Why Work With Novatae Risk Group? As a leading Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group brings deep underwriting experience in complex and distressed Workers Compensation accounts. Our team works closely with agents and brokers nationwide to solve placement challenges and deliver tailored solutions that meet your client’s needs. Put our knowledge and market access to work for you. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for high-risk or distressed accounts, such as those with prior claims, high X-Mods, lapses in coverage, or tough class codes like roofing, demolition, or in-home care. Can you help clients who have been non-renewed or canceled by standard markets?Yes. We specialize in accounts that have been non-renewed or canceled due to losses or underwriting issues and are being directed to the state fund or assigned risk pools. Is prior coverage required to qualify?No. We can consider accounts with no prior coverage, as long as they meet other eligibility criteria such as tough class code or adverse underwriting history. What documentation is needed to submit an account?You’ll need a completed Acord 130, a class-specific supplemental, three years of loss history, any necessary affidavits, and experience mod details. Which states is this program available in?The program is available in all 50 states and Washington, DC. Market availability and terms may vary by state. Need help placing an account? Connect with a market specialist.

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A Vital Workers Compensation Loss Control and Cost Cutting Tool for Companies Nationwide What a Professional Employer Organization Can Do for Your Policyholders Novatae Risk Group offers a powerful Professional Employer Organization (PEO) program designed to help small to mid-sized businesses outsource critical HR functions, streamline operations, and reduce workers compensation expenses. This program is ideal for agents working with clients who need full-service HR support, including payroll, employee benefits, compliance, and risk management—especially those struggling with high X-Mods, recent losses, or tough class codes. By placing your clients with a PEO solution through Novatae, you help them shift administrative burdens and access cost-effective workers compensation coverage, while improving compliance and employee satisfaction. Why Businesses Choose PEO Solutions Leveraging a PEO through Novatae provides your clients with: Elimination of high premium deposits and audits “Pay As You Go” workers compensation based on actual payroll Time savings by outsourcing HR, payroll, and benefits administration Improved compliance with labor laws and ACA requirements Access to top-tier employee benefits packages Reduced liability and better control of employment risks Program Features and Highlights No premium deposits or audits required Cash flow advantages with pay-as-you-go billing Comprehensive HR support, including claims and compliance management Payroll services with full tax remittance and reporting Access to expert loss control and fair claims handling High retention—coverage continues until canceled Customizable programs with deductible options, dividend plans, and credits for safety initiatives Target Markets and Eligible Risks This program is ideal for accounts that: Are being non-renewed or canceled due to losses or underwriting restrictions Are stuck in assigned risk pools or state funds Have high X-Mods (1.30–3.0) or even credit mods with recent losses Have lapsed coverage, no prior coverage, or operate in tough class codes Operate in multiple states or have complex risk profiles We are especially competitive in industries such as: Manufacturing Construction (including 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 for Complex Needs Novatae’s PEO programs are not one-size-fits-all. We work with over 12 top-rated carriers—including Hartford, AIG, Zurich, Amtrust, and others—to craft custom solutions for your clients. Options include: Deductible plans suited to the client’s risk appetite Return-of-premium and dividend programs Software integrations for job costing, accounting, and reporting Flexible payroll delivery options including direct deposit, mailed checks, or in-house check writing Submission Requirements To submit a risk, please include: ACORD 130 3 years of loss runs Loss history affidavit (if lapse or no prior) Claims explanations over $20,000 Experience Mod Sheet Applicable supplemental for the class of business (View Forms) Territories and Availability The PEO program is available in most states nationwide, excluding monopolistic states. We currently write 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 Partner With Novatae Risk Group As a leading Managing General Underwriter and E&S broker, Novatae Risk Group brings deep expertise and market access to help agents place hard-to-place workers compensation business. Our PEO solutions are designed for retention, with minimal servicing requirements for your agency, and strong commissions based on premium volume. Whether your client is a growing contractor with a high X-Mod or a home care agency struggling with lapses in coverage, we can build a tailored PEO plan that meets their needs and protects their workforce. Frequently Asked Questions What types of accounts are a good fit for this PEO program?Ideal accounts include businesses with high X-Mods, prior losses, tough class codes, or those coming out of assigned risk pools. Industries like construction, staffing, janitorial, home healthcare, and transportation are especially well-suited. Can this program help clients who have been non-renewed or have a lapse in coverage?Yes, this program is designed to accommodate clients with lapses in coverage or non-renewals, including those with poor loss history or challenging risk profiles. What states is this program available in?This PEO solution is available in most states nationwide, excluding monopolistic states. See the full list above for specific state availability. Are there specific submission requirements?Yes. A complete submission includes an ACORD 130, three years of loss runs, an Experience Mod Sheet, and a supplemental application for the applicable class of business. What are the advantages for agents placing business through this program?Agents benefit from strong commissions, high client retention, minimal service needs, and access to custom solutions that help place difficult accounts with confidence. Need help placing an account? Connect with a market specialist.

Novatae Risk Group offers a dedicated General Liability Insurance program tailored specifically for Heating, Ventilation, and Air Conditioning (HVAC) Contractors. Developed in partnership with an “A” rated carrier, this program is designed to provide reliable, affordable coverage to help agents and brokers place small to mid-sized HVAC contractor accounts with confidence. Whether your HVAC clients are looking to switch carriers or enhance their current coverage, Novatae makes the process simple. Our experienced brokers can quickly review submissions and offer competitive solutions that meet your clients’ risk management needs. With both admitted and non-admitted options available through highly rated carriers, we can accommodate a wide range of client profiles and project scopes. To discuss your HVAC accounts, call our knowledgeable team at 800-758-8113. Overview: This General Liability program is built to support small to mid-sized HVAC contractors by delivering comprehensive protection against third-party claims. Typical exposures addressed include property damage, bodily injury, and completed operations liability—key concerns in the HVAC field. Market Focus: We focus on HVAC contractors with annual payrolls under $1,000,000. Whether your client specializes in residential installs, commercial service and repair, or tract home developments, this program is designed to help you place their general liability needs efficiently. Appetite: Residential HVAC Contractors Commercial HVAC Contractors Tract Home HVAC Installers HVAC Service & Repair Providers Coverages Available: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory Wording Per Project Aggregate Limits Subsidence Coverage (with limitations) Prior Projects Coverage (with limitations) Submission Requirements: Completed ACORD Applications 3 to 5 Years of Currently Valued Loss Runs Supplemental HVAC Application Project-Specific Pollution Application (if applicable) Underwriting Notes and Minimum Premiums: The minimum premium for this program starts at $1,500. Our underwriting team evaluates each submission based on the contractor’s operations, payroll, loss history, and project types. We aim to provide fast turnaround and competitive terms for well-qualified accounts. 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. Admitted and non-admitted options are available depending on the state and risk profile. Why Work With Novatae Risk Group? As a trusted wholesale broker, Novatae Risk Group brings deep market access and underwriting experience to the table. We specialize in helping agents and brokers place challenging or niche contractor accounts. Our team is responsive, knowledgeable, and committed to helping you find the right solution for your HVAC contractor clients—no matter the size or complexity of the job. Need a quote for your HVAC contractor account? Email [email protected] or call 800-758-8113 to speak directly with an underwriter. Frequently Asked Questions What types of HVAC contractors are eligible for this program?The program targets small to mid-sized residential, commercial, and service/repair HVAC contractors with annual payrolls under $1,000,000. Are both admitted and non-admitted markets available?Yes, Novatae offers access to both admitted and non-admitted carriers, rated as high as A-XV, depending on the state and risk profile. What states is this program available in?This program is available in 25 states, including CA, TX, FL, IL, GA, and others. Contact us to confirm availability in your state. What is the minimum premium for eligible accounts?The program starts at a minimum premium of $1,500, with pricing based on underwriting factors such as payroll, operations, and loss history. What documents are needed to submit an account?Submissions should include completed ACORD forms, 3–5 years of loss runs, a supplemental HVAC application, and a pollution application if applicable. Need help placing an account? Connect with a market specialist.