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From culverts and driveways to major interstates and highway overpasses, Novatae Risk Group offers a tailored Workers Compensation Insurance solution designed specifically for bridge and road construction contractors. Through Empire Underwriters, a division of Novatae, agents can access a flexible and robust program that meets the complex needs of infrastructure and roadway contractors of all sizes—from small, local construction firms to large, multi-state operations. This program is an excellent fit for agents looking to place challenging or high-hazard construction accounts. Whether your client is a new venture, has a high MOD, or is operating in a state pool, Novatae can help provide competitive options through a wide network of carriers and risk management solutions. Ideal Accounts and Appetite Experience Mod of 1.30 or higher High hazard and tough class codes Blue, gray, and white-collar construction operations Accounts currently in state pools or funds Distressed, lapsed, non-renewed, or cancelled policies New ventures welcome Multi-state operations are a specialty You might have a client whose road construction company recently expanded into multiple states or one with a lapse in coverage due to claims activity. These are the types of accounts that this program is built to support. Coverage Highlights and Program Features Access to many “A” rated admitted and non-admitted carriers Stand-alone Workers Compensation policies Guaranteed cost, dividend, retro, and high deductible options Integrated workers comp solutions and custom account handling Fast turnaround on submissions This program is designed to deliver flexible underwriting and fast broker service, helping you retain or grow your book of business in the heavy construction sector. Submission Requirements & Minimum Premium Completed ACORD 130 application 3–4 years of loss runs Details on any large losses Supplemental questionnaire Minimum premium starts at $10,000, depending on the risk profile and state. Territories and Market Access This Bridge and Road Construction Workers Compensation Insurance program is available in most states, including but not limited to CA, FL, TX, NY, and IL. Novatae Risk Group works with a wide range of carriers (varies by state) across both admitted and non-admitted markets. Why Work With Novatae Risk Group? Novatae Risk Group, through Empire Underwriters, offers deep expertise in high-hazard workers compensation risks. As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae provides agents with access to markets and underwriting flexibility not always available through standard carriers. Whether you’re looking to place a tough risk or offer your client more competitive options, our team of experienced brokers is ready to assist. Please contact us at 800-758-8113 to speak to our experienced brokers about your Bridge and Road Construction Workers Compensation Insurance accounts. Do you need a Bridge & Road Construction Workers Compensation Insurance Quote? 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 targets bridge and road construction contractors, especially those with high MODs, tough class codes, multi-state operations, new ventures, or distressed coverage histories. Is this program available for new construction businesses?Yes, new ventures are accepted. The program is designed to support both established contractors and startups in the bridge and roadway construction industry. Are multi-state risks eligible?Yes, one of the strengths of this program is handling accounts with multi-state exposures. It's especially suited for contractors operating across several jurisdictions. What documents are required to submit an account?You’ll need a completed ACORD 130, 3–4 years of loss runs, details on any large losses, and a supplemental questionnaire. What is the minimum premium for this program?The program typically starts at a $10,000 minimum premium, but this may vary depending on the risk and state. Need help placing an account? Connect with a market specialist.