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...operator or a larger directional drilling operation, our program provides flex...s standard, making it suitable for consultants who travel or operate internati...

...ontractors: Drilling of water wells Plug and ...ists, reservoir engineers, and MWD consultants—are eligible. Is the coverage w...

...rs whose core operations include drilling, servicing, pump installation and re...onstruction piling and underpinning drilling, and cathodic protection drilling are not eligible. What submission...

From single-family homes to large commercial structures and critical infrastructure, demolition contractors perform inherently high-risk work that requires specialized insurance solutions. Whether your client is clearing sites for new construction, removing hazardous materials, or assisting with disaster recovery, these operations create exposures many standard markets will not accept. Novatae Risk Group provides access to tailored Workers' Compensation for demolition contractors who are difficult to place in the standard market. Through our Non-Standard Worker Comp Insurance for Demolition Contractors program, Novatae combines flexible placement options, pragmatic underwriting, and proactive claims and loss-control support. We focus on accounts that fall outside traditional carrier appetites—offering practical, market-aware solutions built from decades of experience serving the construction trades. Ideal Accounts and Appetite Demolition contractors with high-risk operations, difficult class codes, or multi-trade exposures Accounts with Experience Mods (X-Mods) between 1.30 and 3.00 Producers needing alternatives for clients non-renewed or cancelled for loss history or exposure Businesses in state-assigned risk pools or declined by standard markets Insureds with no prior coverage, recent lapses, or adverse underwriting histories Operations with manual rates roughly in the $8–$50+ range and other complex risk profiles Example: You might have a demolition contractor recently dropped by a standard carrier after a surge in claims, or a new multi-state startup with no loss history. Those are the types of accounts Novatae underwrites through this program. Program Features and Advantages Pay-As-You-Go premium structure with no premium deposit required No audits—streamlined administration reduces administrative burden Improved cash flow and predictable billing options for insureds Full payroll services including tax remittance, 941s, W-2s, and payroll compliance support Optional in-house payroll check cutting Flexible placement via PEO, ASO, or non-PEO solutions depending on account needs Comprehensive HR services: COBRA, wage garnishment, and unemployment claims handling Dedicated loss control, active risk management consulting, and fair claims handling High-retention program—coverage stays in force until cancelled Underwriting Notes and Minimum Premiums We underwrite each account to identify the most appropriate market and placement structure. Minimum premiums vary by state and by carrier; underwriting will reflect the insured’s class codes, payroll, loss history and exposure profile. Typical submission requirements follow. Submission Requirements ACORD 130 application Supplemental form describing class of work (available on our website) Three years of loss history (loss runs) Loss History Affidavit for accounts with no prior coverage or a lapse Explanation for any claim over $20,000 Current Experience Mod sheet Not a Fit for This Program Accounts readily eligible for the standard market Policyholders shopping only for lower rates without a true placement need Low X-Mod accounts with strong loss histories that standard carriers will accept Risks that do not match the eligibility criteria above Markets and Availability This non-standard Workers' Compensation program is available in most U.S. states. It is not available in North Dakota, Ohio, Washington, or Wyoming. Market access and minimum premiums vary by state and by carrier selection; Novatae leverages a broad panel of admitted and E&S carriers to place eligible accounts. Why Work With Novatae Risk Group? As a Managing General Underwriter and Excess & Surplus Lines broker with more than 30 years of experience, Novatae Risk Group specializes in tough-to-place contractors’ Workers' Compensation. Agents gain access to experienced underwriters, multiple placement structures (PEO, ASO, non-PEO), and dedicated service for payroll, HR, loss control, and claims management—helping you keep challenging accounts insured and compliant. Need a Non-Standard Workers' Comp quote for a demolition contractor? Send an email to [email protected] with your submission 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?This program is best for demolition contractors with high-risk operations, elevated X-Mods, prior cancellations, or no prior coverage—especially those declined by the standard market. Can this program help clients in assigned risk pools?Yes. The program is designed to provide an alternative to state funds or assigned risk pools for eligible demolition contractors. What underwriting documents are required for a quote?You’ll need an ACORD 130, the class-specific supplemental form, three years of loss runs, a loss affidavit if there’s no prior coverage, explanations for claims over $20K, and the current Experience Mod. Is this a PEO program only?No. While PEO placement is available, Novatae also offers ASO and non-PEO options depending on the client’s eligibility and needs. In which states is this program available?The program is available in most U.S. states, excluding North Dakota, Ohio, Washington, and Wyoming. Market availability may vary by state. Need help placing an account? Connect with a market specialist.

...oup offers a specialized General Liability Insurance program tailored for Comm...al and Commercial Developer General Liability Insurance accounts. Do you need a General Liability Insurance quote for your Commerc...

...e energy operations - Oil field consultants, completion, workover and well ser... include pollution and professional liability where appropriate. Need help p...

Standalone Workers Compensation for Staffing Companies from Novatae Risk Group Novatae Risk Group offers a focused Workers Compensation program built for staffing agencies. Whether your clients place clerical staff, light industrial labor, healthcare support, or skilled trades, Novatae provides flexible underwriting, competitive terms, and capacity for accounts that are difficult to place — including those with elevated experience modifications (X-Mods) or recent lapses in coverage. Program Highlights: Aggressive pricing and competitive placement options Guaranteed-cost program structure Broad class-code acceptance for staffing placements High X-Mods accepted Lapse in coverage — acceptable with proper underwriting Ideal Accounts and Appetite This program is designed specifically for staffing companies with at least $1,000,000 in payroll and is a strong fit when your client places employees across multiple exposure types. Common placements include: Light industrial and warehouse workers Healthcare staffing (non-hospital settings) Clerical and administrative personnel Skilled trades and construction support Example scenarios where Novatae often provides value: you have a staffing client who recently expanded into warehouse labor and now exceeds $1M payroll with a spotty loss history, or a long-standing agency that experienced a short lapse in coverage during a corporate transition. Both are typical submissions for this program. Coverage Highlights and Advantages Access to several national and regional A-rated carriers Placement in admitted or non-admitted markets depending on state and risk profile Underwriting tailored to the staffing model — payroll verification, client/host employer rules, and multi-class exposures Fast response times and hands-on underwriting support for complex accounts Underwriting Notes and Minimum Premiums Minimum account guidelines: Minimum payroll: $1,000,000 Minimum premium: $100,000 Novatae will consider accounts with high X-Mods and recent coverage lapses, but pricing and terms will reflect the loss history and risk controls. Typical submission documentation includes ACORD applications, currently valued loss runs, a current declarations page, and an X-Mod worksheet. Territories and Market Access The program is available in most states, including but not limited to CA, TX, FL, NY, IL, and GA. Novatae works with multiple admitted and non-admitted carriers and will match the state, class mix, and account profile to the appropriate market. Why Work With Novatae Risk Group? As a managing general underwriter and E&S broker, Novatae combines staffing niche expertise with broad carrier relationships. Agents benefit from creative underwriting, market access for hard-to-place risks, and responsive service that helps move submissions quickly to binding. If you need a partner to place complex staffing Workers Comp accounts, Novatae is positioned to help. THIS IS NOT A PEO Do you need a Workers Comp insurance quote for a staffing company? 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 staffing companies are eligible for this Workers Comp program?Eligible accounts are staffing agencies with at least $1,000,000 in payroll. The program accepts a wide range of class codes—from clerical and administrative to light industrial and skilled labor placements. Can I submit accounts with high experience mods or lapses in coverage?Yes. Novatae accepts submissions for accounts with high X-Mods and for those that have had a recent lapse in Workers Compensation coverage; underwriting will evaluate loss trends and controls when pricing. What documentation is required for a submission?Provide an ACORD 130 application, 3–5 years of currently valued loss runs, the current policy declarations page, and an experience modification (X-Mod) worksheet. Is this a PEO solution?No. This is a standalone Workers Compensation insurance program, not a Professional Employer Organization (PEO) arrangement. In which states is this program available?The program is available in most states, including CA, TX, FL, NY, IL and others. Novatae will determine admitted vs non-admitted placement based on the state and account profile. Need help placing an account? Connect with a market specialist.

Running a sound and audio installation business requires more than technical skill — it also requires effective risk management. Workers Compensation Insurance protects employees and businesses from workplace injuries in an industry where hands-on work, ladders, tools, and frequent site visits are part of the daily routine. Novatae Risk Group, through its Empire Underwriters division, offers a specialized Workers Compensation Insurance program tailored for sound and audio installation contractors. Built for the exposures common to this niche, the program helps agents and brokers place difficult or underserved workers comp accounts across more than 20 states. Ideal Accounts and Appetite This program targets businesses that install sound systems, AV components, intercoms, security audio, and related equipment in commercial and residential settings. Typical fits include commercial AV integrators, home theater installers, intercom and paging system contractors, and specialty audio subcontractors. You might use this program for a small but growing crew of technicians who travel to client sites and perform hands-on installation, cable routing, equipment mounting, and system testing—accounts that often face difficulty finding competitive workers comp coverage in standard markets. Coverage Highlights and Advantages Minimum premium starting at $7,500 10% commission for appointed agents Fast quote turnaround when submissions are complete Access to a broad network of admitted and non-admitted carriers (varies by account) Underwriting Requirements Completed ACORD 130 application Three years of currently valued loss runs A supplemental questionnaire specific to sound/audio operations Details on any large or unusual losses Territories and Availability The program is available in more than 20 states, including CA, FL, TX, NY, NJ, IL, GA and others. Novatae can place business in both admitted and non-admitted markets depending on the state and the risk profile. For a full list of states, reference the program territory guide or contact underwriting. Why Work With Novatae Risk Group? Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines Broker with focused programs for niche contractors. Our underwriting team understands the operational risks of sound and audio installers and provides responsive service, market access, and pragmatic placing strategies for tougher accounts. When you need speed and accuracy to place a challenging workers comp risk, Novatae offers practical solutions and carrier relationships to get business bound. Need a Workers Compensation Insurance quote for your Sound and Audio Installation 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 program?This program is ideal for businesses involved in sound and audio system installation, including commercial AV companies, home theater installers, and intercom system contractors. What is the minimum premium for this Workers Compensation program?The minimum premium starts at $7,500, making it suitable for larger or more active installation operations. Which states is this program available in?This program is available in over 20 states, including CA, FL, TX, NY, NJ, GA, IL, and others. What documents are needed to get a quote?A complete submission includes an ACORD 130, three years of loss runs, a supplemental questionnaire, and details on any large losses. How quickly can I get a quote?Quotes are typically turned around quickly once a complete submission is received, thanks to Novatae's streamlined underwriting approach. Need help placing an account? Connect with a market specialist.

... Operators and non-operators Drilling contractors Well servicing contr...Available coverages include General Liability, Umbrella/Excess Liability, and Automobile Liability, all typically written on a Surp...