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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.

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.

Novatae Risk Group offers a focused Cabinet Maker Workers Compensation Insurance program to help agents and brokers place workers’ compensation for businesses in the custom woodwork and cabinetry industry. Whether your client works in residential remodels, commercial construction, or produces high-end custom cabinetry, this program provides tailored workers’ comp solutions backed by an “A”-rated carrier. Our underwriting team has a strong appetite for a broad range of cabinetmaking operations and delivers competitive options with fast service. Novatae underwrites accounts from small artisan shops to larger manufacturers with multi-location operations or mobile installation crews. We understand the exposures in manufacturing, finishing, and on-site installation and structure terms to reflect those unique risks. Ideal Accounts and Appetite Custom cabinet makers, woodworking shops, and millwork shops Residential and commercial cabinet installation contractors Manufacturers that use on-site or mobile installation teams Accounts with clean to moderate loss histories You might have a client who recently added on-site installation crews and needs a market that understands mobile exposures, or a growing cabinet manufacturer seeking more competitive workers’ comp placement. Those are typical good fits for this program. Program Highlights Coverage available in over 20 states Fast quote turnaround with complete submissions 10% commission for producers Access to an “A”-rated carrier for stability and reliability Underwriting Requirements and Minimum Premium The program’s minimum premium starts at $7,500. To obtain a quote, submit a complete file including: Completed ACORD 130 application Three years of currently valued loss runs Supplemental questionnaire Details for any large or unusual losses Complete submissions help us accelerate turnaround and improve placement outcomes. Territories and Availability Novatae’s Cabinet Maker Workers Compensation program is currently 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. Why Work With Novatae Risk Group As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group brings niche expertise in specialty construction and manufacturing accounts. We combine flexible underwriting, broad market access, and responsive service to help you place cabinet maker workers’ comp business quickly and competitively. Need a workers’ compensation quote for a cabinet maker client? Send submissions to [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of cabinet making businesses are eligible for this Workers Comp program?We accept a wide range of accounts, including custom woodworkers, cabinet manufacturers, and installation contractors serving residential and commercial markets. What documents are required to receive a quote?Submit a completed ACORD 130, three years of loss runs, a supplemental questionnaire, and details on any large losses to receive a quote. What is the minimum premium for this program?The minimum premium starts at $7,500, making the program suitable for small to mid-sized operations. In which states is this program available?The Cabinet Maker Workers Comp program is available in over 20 states, including CA, FL, TX, and NY. Refer to the territories list above for the full state roster. How quickly can I get a quote?With a complete submission, Novatae aims to provide fast turnaround on quotes so you can move accounts efficiently. Need help placing an account? Connect with a market specialist.