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...n Insurance program tailored to electrical contractors. Electricians and electrical contractors face unique job-site hazards — electrical burns, falls, and equipment-related...itable for many small to mid-sized electrical contracting businesses. In which...

...General Liability Insurance for Electrical Contractors Program Overview from...program?Residential and commercial electrical contractors with clean loss hist...

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Novatae Risk Group places access to a specialized workers' compensation program for pipeline contractors underwritten by Empire Underwriters. The program is designed for contractors who perform trenching, excavation, soil stability analysis, right-of-way work and traffic control at linear work sites. Novatae's underwriting partners combine industry knowledge with experienced risk control consultants to help your clients manage the high-risk exposures typical to pipeline work. Overview This program targets hard-to-place pipeline contracting exposures, offering admitted and non-admitted solutions across a wide set of markets. It is intended for agents and brokers who need solid carrier appetite and flexible placement options for accounts with higher MODs, challenging class codes, multi-state payrolls, or prior coverage problems. Appetite: MOD 1.30 or greater High-hazard and hard-to-place class codes Blue-, gray- and white-collar payroll mixes Accounts in state funds, pools, or assigned risk Distressed, lapsed, or previously cancelled/non-renewed programs New ventures are acceptable Multi-state exposures handled as a specialty Hard-to-place workers’ compensation accounts Coverage Highlights and Advantages: Quick underwriting turnaround to keep submissions moving Access to many "A" rated carriers (varies by state) Stand-alone workers' compensation placements Guaranteed cost, dividend and retro plan options Integrated work comp solutions and high-deductible programs Custom account handling and experienced claims/risk control support Underwriting Notes and Minimum Premiums Minimum premium: $10,000 Preferred submissions include an ACORD 130, 3–4 years of loss runs and details on any large losses Supplemental questionnaire may be required for complex or multi-state accounts Underwriters consider the full account mix (payroll split, class codes, safety programs) when pricing high-hazard exposures Submission Practicals Provide complete loss runs and job detail up front to speed placement. Large-loss narratives, experience modification documentation, and a completed supplemental questionnaire help underwriters evaluate concessions like retro plans or high-deductible structures. The program supports both admitted and excess & surplus (non-admitted) options to fit carrier availability and state requirements. Territories and Markets Availability: All Available Markets. Carriers vary by state. This program accepts business across the following states and territories: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, 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, DC, WV, WI. Why Work with Novatae Risk Group on This Program Novatae Risk Group connects agents to specialized underwriting capacity for pipeline contractors. The program is built to handle complex payroll spreads, high-hazard exposures, and accounts with prior placement challenges. Your clients benefit from experienced underwriting, practical risk control guidance, and flexible plan structures that can include dividend or retro options when appropriate. Do you need a Workers Compensation Insurance Quote for your pipeline 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 pipeline contractor accounts are a good fit for this program?Accounts with trenching, excavation, right-of-way work, soil stabilization tasks and traffic control needs are core fits—especially those with MODs above 1.30, complex class mixes, multi-state payrolls, or prior cancellations/non-renewals. Which states and market types are supported?This program is available across a broad set of states (see the territories list above) and offers both admitted and non-admitted market options; specific carrier availability varies by state. What documentation is required with a submission?Include an ACORD 130, 3–4 years of loss runs, large-loss details, and a completed supplemental questionnaire for complex accounts. Complete submissions get faster responses. Can you place accounts with multi-state exposure or in state funds?Yes. Multi-state exposures are a specialty of the program, and the underwriting team will structure placements for accounts currently in state pools, assigned risk, or state funds when appropriate. What turnaround and service can an agent expect?Underwriters aim for quick turnaround on complete submissions. Novatae and the underwriting partners provide consultative support, including risk control guidance, to help agents close and service difficult placements. Need help placing an account? Connect with a market specialist.

Novatae Risk Group, through its wholesale partner Empire Underwriters, provides a specialized Workers Compensation program built for the unique risks of tower erection contractors and tower service companies. Backed by more than 30 years of niche experience, our program addresses the complex exposures found in telecom, wind-energy, and water-storage tower construction and maintenance. Available nationwide, the program is designed to help agents and brokers place difficult, high-hazard, or previously declined workers comp accounts. We work with financially stable, "A"-rated carriers and offer flexible solutions for accounts that many markets will decline. Whether the risk is a new venture, a high experience modification (MOD), accounts with prior cancellations or lapses, or placements currently in state-assigned risk pools, Novatae Risk Group can help you secure a private-market workers compensation solution. Appetite: Experience MOD 1.30 or greater High-hazard tower erection and tower service operations Blue, gray, and white collar exposures Accounts currently in state pools or assigned risk funds Distressed, lapsed, or non-renewed policies New ventures and startup contractors welcome Multi-state operations — strong capability for multi-jurisdictional risks Hard-to-place workers compensation risks specific to tower work Coverage Highlights and Program Features: Stand-alone workers compensation coverage tailored for tower contractors Quick turnaround on submissions and quotes Access to a panel of "A"-rated admitted and E&S carriers (varies by state) Pricing structures including guaranteed cost, dividend, and retro plans High-deductible and deductible-based options Integrated loss-control and claim-handling support available through carrier partners Custom account handling, underwriting flexibility, and placement support for difficult classes Underwriting Requirements: Completed ACORD 130 application Three to four years of loss runs Full details on any large or catastrophic losses Completed supplemental questionnaire specific to tower operations Minimum Premium: A $10,000 minimum premium applies. Additional underwriting or state requirements may affect final pricing. Territories and Availability: This program is available in most U.S. states, including (but not limited to): CA, TX, FL, NY, PA, IL, GA, NC, and many others. We place both admitted and non-admitted business depending on state rules and the risk profile; carrier availability varies by state. Who This Program Best Serves You should consider Novatae Risk Group for tower erection and tower service accounts that are difficult to place in the standard market. Examples include a multi-state tower contractor with a MOD above 1.30 seeking to exit a state-assigned risk pool, or a new tower erection startup that needs its first workers comp policy despite limited prior coverage history. We specialize in risks where industry experience, flexible underwriting, and targeted carrier relationships matter most. Why Work With Novatae Risk Group? Novatae Risk Group and Empire Underwriters combine decades of tower-specific underwriting expertise with broad carrier access and practical placement experience. Our team provides hands-on support to help you navigate difficult submissions, accelerate quote turnaround, and identify the right admitted or E&S solution for each account. We aim to move viable accounts out of state pools and into more stable private-market placements whenever possible. Need a Workers Compensation quote for a tower erection contractor? Email your submission to [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?The program targets tower erection contractors and tower service firms in telecom, wind energy, and water storage sectors—especially those with high MODs, new ventures, or a distressed loss history. Can you place accounts currently in state risk pools?Yes. We specialize in transitioning clients from state-assigned risk pools into private-market placements where appropriate. Is multi-state coverage available?Yes. We have experience handling multi-jurisdictional workers comp exposures and can coordinate coverage across states through admitted and E&S markets. What documents are needed to get a quote?Provide a completed ACORD 130, 3–4 years of loss runs, details on any large losses, and the supplemental questionnaire specific to tower operations. Are new ventures eligible for coverage?Yes. We accept new venture tower contractors, including those without prior coverage, provided underwriting information is complete. Need help placing an account? Connect with a market specialist.

Landscaping contractors face daily risks—from equipment-related injuries to jobsite accidents—that can lead to costly workers compensation claims. Novatae Risk Group offers a dedicated Workers Compensation Insurance program designed specifically for landscape contractors, helping agents secure reliable coverage for clients in this high-risk industry. Through a partnership with Empire Underwriters and an “A” rated carrier, Novatae provides access to a competitive workers compensation solution with streamlined underwriting and fast turnaround times. This program is ideal for agents looking to place hard-to-insure landscaping risks with a responsive and experienced partner. Ideal Accounts and Appetite This program is tailored for landscape contractors of all sizes, including companies involved in lawn care, tree trimming, irrigation system installation, and landscape design and maintenance. Accounts with a solid safety record and detailed loss histories are especially desirable. You might have a client operating a multi-crew landscaping business across several residential and commercial properties—that’s the kind of account this program is built for. Startups and small contractors may also qualify, as long as they meet underwriting requirements. Program Highlights Available through an “A” rated carrier Coverage in over 20 states 10% commission Fast quote turnaround with complete submissions Underwriting Requirements and Minimum Premium Minimum premium of $7,500 Required submission documents: Acord 130 3 Years of Loss Runs Supplemental Questionnaire Details on any large losses Territories and Market Access Coverage is available in more than 25 states, including 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 Risk Group writes through all available admitted and non-admitted markets, offering flexibility for a variety of risk profiles. Why Work With Novatae Risk Group? Novatae Risk Group is a trusted Managing General Underwriter and Excess & Surplus Lines Broker with access to a broad network of carriers. Their partnership with Empire Underwriters and deep understanding of specialty trades like landscaping make them a smart choice for agents and brokers who need fast, reliable workers compensation solutions in a challenging market. Do you need a Workers Compensation Insurance Quote for your Landscape Contractor 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 workers compensation program?This program is ideal for landscape contractors, including lawn care services, tree trimming, irrigation installation, and general landscape maintenance companies. What states is this program available in?The program is available in over 25 states, including major markets like CA, FL, TX, NY, and IL. Contact the underwriter for specific state eligibility. What documents are required to submit an application?You’ll need to submit a completed Acord 130, three years of loss runs, a supplemental questionnaire, and details on any large losses. Is there a minimum premium for this program?Yes, the minimum premium for eligible accounts starts at $7,500. How quickly can I get a quote?Quotes are typically turned around quickly once all required documents are submitted. Fast service is one of the program’s key advantages. Need help placing an account? Connect with a market specialist.

Overview — Workers Compensation Insurance for Maid Services Novatae Risk Group offers a dedicated workers compensation program tailored for maid and cleaning services — including house cleaning, laundry, carpet cleaning, and similar operations. Cleaning businesses face frequent employee exposures and occasional third-party property damage; appropriate workers comp coverages help control the financial impact of workplace injuries and keep clients' operations stable. This program combines underwriting flexibility with access to admitted and non-admitted markets to place hard-to-bind accounts. Novatae Risk Group leverages deep experience placing workers compensation for the maid industry. We support agents with quick turnarounds, multiple carrier options (varies by state), and tailored account handling for complex or multi-state exposures. Submit your Workers Compensation Insurance for Maid Services submissions and let us demonstrate solutions for tough classes, high hazard accounts, and new ventures. Appetite: MOD 1.30 or greater High-hazard or difficult classes Blue-, gray- and white-collar accounts Accounts currently in state pools or funds Distressed, lapsed, cancelled, or non-renewed accounts New ventures are acceptable Multi-state exposure is a specialty Hard-to-place workers compensation risks Program Features: Quick turnaround on submissions Access to many "A"-rated carriers (varies by state) Stand-alone workers compensation placement Guaranteed-cost options and integrated work comp solutions Dividend and retrospective (retro) plans High-deductible programs and alternative funding Custom account handling and claims coordination Requirements: ACORD 130 3–4 years of loss runs Details on any large claims or subrogation issues Completed supplemental questionnaire (when requested) Underwriting Notes and Minimum Premiums Underwriting focuses on exposure management: payroll mix by class code, employee training, safety programs, and loss trends. Large or recent losses should be explained in detail and any corrective actions documented. The program typically requires a minimum premium; the current program minimum is $10,000, though final placement depends on carrier appetite and state rules. Territories and Market Positioning Availability: All Available Markets. We place business across many admitted and non-admitted markets; carriers vary by state. The program is available in the following states and territories: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, 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, DC, WV, WI. For multi-state exposures we can coordinate quotes and binding across territories. Why Work With Novatae Risk Group As a Managing General Underwriter and Excess & Surplus Lines broker, Novatae Risk Group offers specialized underwriting for cleaning and maid operations, with flexibility to place complex or non-standard accounts. Our strengths include responsive underwriting, broad carrier access, and experience structuring high-deductible, dividend, and retro arrangements for cost containment. We work with agents to package underwriting submissions so accounts get reviewed efficiently and accurately. Example fits: You might have a large residential cleaning business with multi-state crews and a MOD over 1.30 — this program can help you find admitted or E&S capacity. Or an account that was recently non-renewed due to a poor loss history may qualify for specialty markets and alternative funding options. Ready to submit? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter about placement through Novatae Risk Group. Frequently Asked Questions What types of maid and cleaning accounts fit this program?We target house cleaning, laundry, carpet cleaning, and similar janitorial operations — including single-state and multi-state crews, accounts with elevated MODs, accounts in state funds, distressed or lapsed risks, and new ventures. What submission materials should I include to get a quick review?Provide ACORD 130, 3–4 years of loss runs, details on any large losses, and the supplemental questionnaire when requested. Clear payroll by class code and any written safety or training programs speed underwriting. Is this program admitted or non-admitted?Novatae Risk Group places business through admitted and non-admitted markets. Availability depends on state and carrier — carriers vary by state. We can discuss admitted options where required and E&S solutions when accounts are hard to place. What is the minimum premium and how are alternative funding options handled?The program generally requires a minimum premium of $10,000. We also place dividend plans, retro plans, and high-deductible programs depending on carrier appetite and the account’s size and loss history. How do I submit a risk for consideration?Email submission materials to [email protected] or call 800-758-8113 to speak with an underwriter. Provide complete loss runs and any supporting risk control documentation to accelerate review. Need help placing an account? Connect with a market specialist.