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...azardous Waste Transporters Demolition Contractors Environmental Subco...rements?We require a completed surety bond application, the last three years o...

...Inc. today for direct access to Demolition Select, a tailored and admitted ins...nding on the size and scope of the demolition operation. What submission mater...

Amwins Program Underwriters' Demolition Contractors program through Amwins ...pt accounts where more than 25% of demolition operations are subcontracted out...

...ers admitted property and fidelity bond options. The form language is responsi...tted?Yes. Property and fidelity/crime bond are placed on admitted paper where ...

...ring construction, maintenance, demolition, abatement and emergency response w...ted materials — such as tank work, demolition/abatement, remediation, transfor...

...rties with planned or scheduled demolition Buildings that have swimming po...le? Properties scheduled for demolition, those with swimming pools on-si...

Your Workers Compensation Solution for Construction Risks Utah Business Insurance Company (UBIC) offers a construction-focused Workers Compensation program built for contractors and trades professionals. The program combines flexible underwriting, admitted paper across available territories, and construction-specific risk management to help your clients control losses and manage costs. Overview of the Program UBIC's Construction Workers Compensation Insurance is designed to address the day-to-day exposures contractors face. The program underwrites accounts on their individual risk characteristics rather than relying solely on class-based pricing, giving agents flexibility to place established contractors as well as qualified new ventures expanding into additional states. Ideal Accounts and Appetite The program targets most NCCI construction class codes and is best for employers with a minimum of three employees (owners and officers excluded). Roofers are considered but typically require a higher minimum premium. Accounts converting off a PEO or employee leasing arrangement are eligible when payroll and class reporting can be documented. Example accounts that fit well include: A drywall contractor with five field employees operating in Utah and Nevada A start-up electrical contractor in Colorado with an owner who has verifiable prior trade experience Coverage Highlights and Advantages Individually underwritten accounts—underwriting focuses on risk controls and loss history, not just class codes Admitted paper in all available states Access to Companion Property and Casualty, Companion Commercial Insurance, and UBIC for broader placement options Flexible payment plans and monthly self-reporting available to match contractor cash flow Risk Management Tools Custom safety manuals and meeting logs tailored to construction trades Practical checklists and jobsite safety tips to reduce exposures Quarterly to annual risk assessments depending on account size and needs Phone, in-person, or online safety consultations available to help implement controls Underwriting Notes and Minimum Premiums Most NCCI construction codes are eligible; underwriting reviews class mixes and operations Experience modification factors up to 1.50 are generally acceptable (higher with referral) Minimum premium starts at $2,500 (roofing risks typically have a $5,000 minimum) New ventures are considered when the owner has verifiable experience in the trade Territories and Availability This program is admitted and available in Arizona, Idaho, Nevada, New Mexico, Oregon, and Utah. Multi-location and multi-state contractors that operate within these territories are eligible. Why Work With UBIC? UBIC brings focused construction workers compensation expertise and admitted solutions across its available states. Agents benefit from responsive underwriting, construction-specific risk management resources, and placement options through Companion Property and Casualty and Companion Commercial Insurance when broader solutions are needed. Use this program to place contractors who value tailored underwriting and practical loss-control support. Frequently Asked Questions What types of accounts are a good fit for this program?Most construction-related businesses with at least three employees beyond the owners qualify. Typical fits include general contractors, electricians, plumbers, HVAC contractors, and roofing contractors (roofing may require a higher minimum premium). Is the program available for new ventures?Yes. New ventures are eligible when the owner or principal has verifiable prior experience in the same construction trade. Are multi-state or multi-location contractors eligible?Yes. Multi-location and multi-state operations within the program territories are eligible; UBIC offers admitted paper where available. Can accounts coming out of a PEO or leasing arrangement qualify?Yes. Accounts transitioning from a PEO or employee leasing model can be considered provided payroll and employee classifications are documented. What risk management support is included?UBIC provides safety manuals, meeting logs, tailored checklists, periodic risk assessments, and access to safety consultations to help reduce workplace injuries and improve compliance. Need help placing an account? Connect with a market specialist.

As an excavation contractor, your clients encounter significant jobsite hazards every time they break ground. From back strains and soft-tissue injuries to severe accidents involving heavy equipment, the exposures are real—and so is the need for dependable Workers Compensation. Novatae Risk Group, working with Empire’s specialized contractors team, offers a focused Excavation Workers Compensation Insurance Program to help you place this challenging class of business. This program is underwritten specifically for excavation and similar high-hazard operations. Whether a client is a start-up, has a history of large losses, or has been declined elsewhere, our underwriting team will evaluate submissions and craft appropriate solutions. We place business with many "A"-rated carriers and access both admitted and non-admitted markets depending on state and risk profile. Contact us at 800-758-8113 to speak with our brokers about Excavation Workers Compensation accounts. Ideal Accounts and Appetite: Experience MODs of 1.30 or greater High-hazard or hard-to-place classifications (excavation, trenching, site prep) Blue, gray, and white collar job types on the same payrolls Accounts currently in state pools or assigned risk funds Distressed, lapsed, or non-renewed accounts New ventures with no prior coverage Multi-state operations — we have market expertise here Other hard-to-place Workers Compensation risks Example fits: a regional excavation contractor with a recent large loss seeking a stable market solution; or a multi-state site-preparation firm moving out of a state fund and needing coordinated coverage across jurisdictions. Coverage Highlights and Advantages: Fast turnaround on quotes and binding for time-sensitive accounts Access to numerous "A"-rated carriers across admitted and E&S markets Standalone Workers Compensation placements tailored to operations Guaranteed cost, dividend, and retrospective (retro) plans available High-deductible and alternative cost-control options Integrated claim handling and custom program servicing Underwriting Requirements: Completed ACORD 130 application 3–4 years of loss runs Details on any large or open losses Supplemental questionnaire when applicable Minimum Premium and Availability: Minimum premium for the program starts at $10,000. We underwrite accounts in most states — including, but not limited to, CA, FL, TX, NY, and PA — and can place business nationwide depending on carrier appetite and the risk profile. Why Work with Novatae Risk Group? Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines Broker with deep experience placing tough Workers Compensation risks. We understand the underwriting and operational challenges brokers face when placing excavation accounts. With broad market access, flexible underwriting, and responsive service, we help you protect clients while keeping accounts competitive. Need an Excavation Workers Compensation quote? Email [email protected] with submission materials or call 800-758-8113 to speak with an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?The program fits excavation contractors with elevated MODs, prior large losses, new ventures, multi-state operations, or those who have been lapsed or non-renewed. It’s built for high-hazard and hard-to-place exposures. Can you help with clients in the state risk pool?Yes. We frequently move accounts out of state pools and into tailored Workers Compensation solutions using competitive admitted and non-admitted markets. What information do you need to get a quote?Provide a completed ACORD 130, 3–4 years of loss runs, details on any large or open losses, and a supplemental questionnaire if requested. Is the program available nationwide?Yes — the program is available in most states, including CA, TX, FL, and NY. We can write in all 50 states and DC depending on carrier availability and the specific risk details. Do you work with new ventures that have no prior coverage?Absolutely. We have markets that will consider start-ups in the excavation and site-work trades. 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.

...and marine • Contractors license bonds • Completed operations • Business...