Search CompleteMarkets

...mercial and residential roofing contractors. With access to several carriers a...residential and commercial roofing contractors, including those working on ste...

Sheet Metal Contractors face a broad range of general liab...?Small to medium-sized sheet metal contractors with under $1,000,000 in annual payroll who focus on installation, service, repair, or remodeling...

...ns, LLC offers an agent-focused Contractors General Liability Insurance progra...imums designed to support start-up contractors. Are higher liability limits av...

...mpensation Insurance for paving contractors is often costly because the work i...orkers Compensation program?Paving contractors with elevated MODs, hard-to-pla...

Novatae Risk Group offers a specialized workers' compensation placement program for assisted living facilities and nursing homes. With deep program expertise placing hard-to-place workers comp business, this program is built to handle complex payrolls, multi-state exposures, accounts with elevated loss histories, and a mix of blue-, gray- and white-collar staffing. You can rely on direct underwriting attention, multiple market options and flexible plan designs to keep these accounts placed and competitive. Appetite: MOD 1.30 or greater High-hazard or difficult classes typical of long-term care Blue-, gray- and white-collar mixes Accounts in state workers’ comp pools or funds Distressed, lapsed, cancelled or non-renewed accounts No-prior or limited history / new ventures — acceptable Multi-state operations and payroll exposure — a specialty Hard-to-place workers’ compensation risks Program Features: Quick turnaround on submissions and referrals Access to many "A"–rated admitted carriers and E&S capacity varies by state Stand-alone workers’ compensation placements Guaranteed cost and integrated work comp solutions Dividend, retrospective and high-deductible plan options Custom account handling with underwriter-level attention Underwriting Requirements & Notes: Completed ACORD 130 3–4 years of loss runs (detailed history helps for elevated MODs) Provide full details on any large or catastrophic losses Supplemental questionnaire when requested Minimum Premium: Typical minimums start around $10,000, subject to carrier and state guidelines. Territories & Admitted Positioning: This program is available in the following states: 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. Placement options include admitted and non-admitted/E&S markets as appropriate; capacity and carrier availability vary by state. Why Place This Business With Novatae Risk Group As a managing general underwriter and E&S broker, Novatae Risk Group focuses on placing workers’ compensation for long-term care operators where standard markets often struggle. You’ll get: Underwriter-level responsiveness and fast binding when terms are available Multiple market options—carriers vary by state to maximize placement chances Flexible program structures (guaranteed cost, retropay/dividend, high-deductible) Experience handling multi-state payrolls, state funds participation and accounts with complex loss histories Example Accounts That Fit This Program A 120-bed assisted living facility with a MOD of 1.45, mixed staffing and recent large medical-only claims — you can submit full loss runs and supplemental details for review. A small chain of three nursing homes operating in three neighboring states with payroll split across facilities — multi-state placement options are available. Ready to submit? Send your completed ACORD 130, current loss runs and any supplemental information to [email protected] or call 800-758-8113 to discuss placement and appetite with an underwriter. Frequently Asked Questions What types of assisted living and nursing home accounts are a good fit?Accounts with elevated MODs, multi-state payrolls, mixed staffing (clinical and non-clinical), state fund participation, or recent lapses/cancellations are good fits. The program is designed for risks that standard admitted markets find difficult to place. What documents should I include with a submission?Start with a completed ACORD 130, the last 3–4 years of loss runs, payroll breakdown by class and location, and details on any large losses. A supplemental questionnaire may be requested for complex losses or multi-state exposure. Is this program available on an admitted basis?Yes — Novatae works with a mix of admitted carriers and excess & surplus capacity. Availability depends on state and the account’s profile; some placements may require non-admitted solutions. What is the minimum premium I should expect?Minimum premiums typically begin around $10,000, though the final minimum will depend on carrier, state, and program structure. How quickly can I expect a response on a submission?Novatae emphasizes quick turnaround and underwriter attention. Response times vary by complexity, but straightforward submissions with complete paperwork receive faster review and decisioning. Need help placing an account? Connect with a market specialist.

Novatae Risk Group offers an Alternative Workers Compensation program—underwritten by an admitted A-rated carrier—designed for insureds with high-risk class codes and elevated experience modifiers. If your clients are being steered to the State Compensation Insurance Fund or have limited admitted options, this program provides a competitive market alternative that can produce meaningful hard-dollar savings. While the program was developed to address risks with operations and employees in New York, Novatae Risk Group places similar high-risk and high X-Mod workers' comp solutions across the states listed below. The program is built to deliver lower upfront costs, low start-up fees, and flexible pay-as-you-go payroll options to help clients preserve immediate cash flow. Send us your high-risk and high X-Mod workers’ compensation submissions—we can evaluate whether this market is an appropriate placement for your client. Broad Eligible Class Codes (Not a Complete List): Trucking / Transportation / Furniture Movers Food Processing / Bakeries Cold Storage Janitorial / Property Management / Residential Cleaning Retail / Wholesale Manufacturing Hospitality Drivers Warehouse Operations Exclusions: Construction Temporary staffing USL&H exposure Hazardous material handling Seasonal operations Greater than 25% use of part-time labor Armed guards Experience Modifiers Considered: Ideal risks have X-Mods of 1.30 and above Will consider risks with X-Mods between 1.0 and 3.0 Minimum Premium: $75,000 minimum premium $100,000 minimum for trucking exposures PEO Benefits: Workers Compensation: Admitted "A" Excellent (VIII) rated carrier by A.M. Best Insureds retain their experience modifier (X-Mod) Payroll Administration: Payroll taxes Government reporting Management reporting Cost analysis Record keeping Salary history Payroll processing Vacation, holiday & sick pay administration Paperwork reduction Risk Management: Workers' comp claims management Safety surveys Drug testing Record keeping Unemployment insurance controls Employer protection policies & services Post-accident and reasonable suspicion procedures Submission Requirements: ACORD 130 3 years loss runs (fully valued) Copy of X-Mod (NYCIRB copy for New York risks) Industry-specific supplemental applications for towing, trucking, landscaping, etc. Territories & Availability: Novatae Risk Group places this program across multiple states. Availability depends on state rules and underwriting; please reference the program's current territory list when submitting. States we currently serve include: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV and DC. Why Place High-Risk Workers' Comp with Novatae Risk Group? Specialized underwriting for high-risk classes and elevated X-Mods that many admitted markets decline. Access to an admitted, A-rated carrier while maintaining the insured's X-Mod. Flexible billing (pay-as-you-go) and competitive start-up costs to help clients manage cash flow. Integrated payroll, reporting, and risk-control services that reduce administrative burden for agents and clients. Example fits: You might have a regional bakery with a 1.8 X-Mod and recurring shoulder/back claims, or a third-party logistics firm with heavy driver and warehouse exposure that needs an admitted solution outside the residual market. Both can be good candidates for this program when minimum premium thresholds are met. Frequently Asked Questions What types of accounts are a good fit for this program?Strong candidates are employers with high-risk class codes (trucking, cold storage, food processing, janitorial, warehouse, etc.) and elevated X-Mods—typically 1.30 and above—but the program will consider X-Mods from 1.0 up to 3.0. Which accounts are likely to be declined?This program excludes construction, temporary staffing, USL&H exposure, hazardous materials handlers, seasonal operations, accounts with more than 25% part-time labor, and armed guard operations. What are the minimum premium requirements?Minimum premiums generally start at $75,000, with a higher minimum (typically $100,000) for trucking exposures. Final minimums can vary by state and underwriting assessment. What makes Novatae Risk Group different from other markets for high X-Mod business?Novatae Risk Group combines specialized underwriting for hard-to-place risks with access to an admitted A-rated carrier, payroll administration, and risk management services—helping agents place accounts that might otherwise be forced into residual markets. Need help placing an account? Connect with a market specialist.

...am for Line Maintenance Service contractors. With focused underwriting experti...

...ical infrastructure, demolition contractors perform high-risk work that demand...risk pools for eligible demolition contractors. What underwriting documents ar...

...ed specifically for sheet metal contractors, addressing both common and comple...s program is ideal for sheet metal contractors with high MODs, prior losses, m...

...ty Insurance program for Bridge Contractors through Empire Underwriters, built...cepts new ventures and multi-state contractors. Is this program available in a...