Search CompleteMarkets

...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...

...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...

Overview of the PEO Program from Novatae Risk Group Novatae Risk Group offers a specialized PEO solution tailored for staffing companies that face challenges securing workers' compensation coverage in the standard market. Through our program, agents and brokers can find placement options for difficult staffing accounts—particularly those affected by high experience mods, prior losses, tough class codes, or multi-state exposures. Our PEO for Difficult Staffing Accounts, powered by Empire Underwriters, delivers flexible and creative alternatives to state funds, assigned risk pools, or carriers who are unwilling to renew. With access to top-rated AM Best carriers and a wide range of program structures, we help you place hard-to-write risks efficiently and competitively. Ideal Accounts and Target Classes Staffing firms exiting state funds or assigned risk pools Accounts with X-Mods between 1.30 and 3.0 Clients recently non-renewed or cancelled due to losses Risks with a lapse in coverage (case-by-case basis) Multi-state staffing firms or those with adverse underwriting history Target staffing classes include Construction, Light Industrial, Healthcare, IT/Technical, Clerical, Administrative, Hospitality, and Skilled Trades. We will consider most class codes, depending on the state and risk profile. Example: You might be working with a staffing agency that places light industrial workers across three states and was recently dropped by its carrier after a year of losses. That’s a strong candidate for our PEO program. Coverage Highlights and Program Benefits Custom-tailored solutions for each account High Deductible and Retroactive Plans available Dividend or Return of Premium eligibility (case-by-case) Loss control and risk management support Fair and expert claims handling Automatic renewals with minimal to no audits HR services and optional benefits administration (ACA compliant) Pay-As-You-Go billing and optional zero premium deposits Full-service payroll with tax filing (941s, W-2s, etc.) Multiple Coordinated Policy Programs (MCCP) Master Policy options aligned with NCCI guidelines Fast turnaround on quotes Commissions Great Commissions – Ranges from 6% to 10% of workers' compensation premium, depending on risk class and account size. Submission Requirements Completed Acord 130 Three years of loss runs Loss affidavit for accounts with no prior or lapse Explanation for any claim over $20,000 Current Experience Mod sheet Class-specific supplemental application (Click here for Supplementals) Territories and Availability Our PEO program is available in all U.S. states except monopolistic fund states. We currently write business 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 Work With Novatae Risk Group? As a leading managing general underwriter and E&S broker, Novatae Risk Group delivers access to over 12 top-rated carriers including AIG, Zurich, Hartford, Amtrust, Argonaut, State National, and more. We specialize in placing tough-to-insure staffing risks and provide agents with market access, underwriting expertise, and fast service to help you close more business. Whether you're helping a client transition out of an assigned risk pool or dealing with a tough class code, Novatae gives you the tools and options to find a competitive solution. Frequently Asked Questions What types of accounts are a good fit for this PEO program?Staffing companies facing non-renewal, high X-Mods, prior losses, or those exiting state funds are ideal. We also accept multi-state risks and tough class codes. Do you offer coverage in all states?We write in all states except monopolistic fund states, including CA, FL, TX, NY, and many others. What carriers do you work with for this program?We have access to over 12 top-rated carriers including AIG, Zurich, Hartford, Amtrust, Argonaut, and more. How fast can I get a quote?We offer quick turnaround on most submissions, provided all required documents are complete and accurate. What documents are needed to submit an account?You'll need a completed Acord 130, three years of loss runs, Experience Mod sheet, explanations for large claims, and a class-specific supplemental form. Need help placing an account? Connect with a market specialist.

Workers Compensation Insurance for Residential Care Facilities Novatae Risk Group offers a dedicated Workers Compensation program tailored for Residential Care Facilities. As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae provides focused underwriting and wholesale placement support to help agents place workers compensation for assisted living facilities, group homes, memory care centers, recovery residences, and similar operations. This program is designed to address the specific exposures and operational challenges common to residential care settings. Ideal Accounts and Appetite The program is appropriate for a broad range of residential care operations, including: Assisted living facilities Group homes for developmentally disabled adults Substance abuse recovery homes Senior housing and memory care centers Novatae favors accounts with stable management, documented employee training, and active safety programs. Typical fits are small to mid-sized facilities with clear hiring and supervision practices. Generally, accounts with chronic staffing issues, unmanaged high-severity claims, or operations outside standard residential care services may require further review or be declined. Example scenarios: you might have a 20-bed assisted living home with three years of clean loss history seeking more competitive terms; or a group home expanding to a second site that needs consistent workers comp coverage across states — both are the types of accounts this program is intended to serve. Coverage Highlights and Advantages Only $7,500 Minimum Premium 10% commission for appointed agents Fast turnaround on quotes with completed applications Coverage available in over 20 states The program emphasizes responsiveness and flexibility: streamlined submissions, clear underwriting guidance, and wholesale market access. Novatae’s team understands the nuances of claims patterns and payroll classifications common to residential care, which helps agents get accurate pricing and placement decisions quickly. Underwriting Requirements To submit an account for review include the following: ACORD 130 application 3 years of currently valued loss runs Completed supplemental questionnaire Details on any large or open losses Complete submissions help accelerate quotes. Note the program minimum premium is $7,500. Underwriting will consider payroll mix, staffing levels, licensing, and training programs when assessing risk and market options. Territories and Market Access 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. Novatae places business in admitted and non-admitted markets depending on state availability and the specifics of each account. Market access and terms will vary by state and carrier appetite. Why Work With Novatae Risk Group? Novatae brings sector-specific underwriting expertise in healthcare and human services. As a managing general underwriter and wholesale broker, Novatae combines direct market relationships with pragmatic underwriting to help agents place challenging residential care risks. You can expect consultative support on classifications, loss-control suggestions, and timely responses on submissions. Do you need a Workers Compensation Insurance Quote for your Residential Care Facility 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 assisted living facilities, group homes, memory care centers, and other residential care operations with stable management and documented safety procedures. What is the minimum premium for this Workers Compensation program?The minimum premium starts at $7,500, making it appropriate for small to mid-sized residential care operations. What states is this program available in?Coverage is available in over 20 states, including CA, FL, TX, NY, and others across the South, Midwest, and West. What documents are required to submit a quote?Required documents include an ACORD 130 application, 3 years of loss runs, a supplemental questionnaire, and details on any large losses. How quickly can I expect a quote?With a complete submission, Novatae typically provides fast turnaround times to help you respond to your clients promptly. 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...

... trades Grading, excavation, drilling, dredging, and pipeline work Mol...ustrial cleaning who need pollution liability protection for third-party claim...

...ted contamination, oil & gas drilling operations, large-scale industrial c...rial manufacturing or oil & gas drilling are typically not a good fit. Doe...

... Crane Operations Environmental Consultants Hired & Non-Owned Lawyers Ready Mi...

...your client performs exploratory drilling, well servicing, equipment hauling, ...ntractors including well servicing, drilling, pipeline construction, equipment...