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...e Hauling Companies Beverage Distributors Fuel Oil Delivery Services If y...le through this program?Umbrella and excess limits range from $1 million up to $100 m...

... Manufacturers, Importers, and Distributors Construction and Contractors ...sk profile. Do you offer stand-alone excess auto liability?Yes, stand-alone excess auto liability is available for qu...

...ate Liquor liability included Excess/umbrella limits up to $25,000,000 A...,000 per event and $50,000 aggregate limits. Need help placing an account? C...

...uch as restaurants, retailers, distributors, and healthcare facilities—are ide...

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Machine shops are dynamic, high-risk environments with complex machinery, tight deadlines, and physically demanding work. These conditions make Workers Compensation Insurance essential for protecting both employees and business owners. Novatae Risk Group offers a focused Machine Shop Workers Compensation Insurance program that helps agents place tough-to-insure and distressed accounts with speed and confidence. Whether your client is a newly established machine shop, has an elevated experience modification (MOD), or operates across state lines, Novatae can help. We partner with a broad network of "A" rated carriers and specialize in placing hard-to-place risks, including accounts that have been non-renewed, cancelled, or have lapses in coverage. Ideal Accounts and Appetite Experience MOD of 1.30 or greater High-hazard industries and difficult class codes (CNC machining, metal fabrication, tool & die) Accounts with blue-, gray-, and white-collar exposures Risks currently in state pools or assigned risk funds New ventures and startups with no prior Workers Comp Multi-state operations and regional exposures Accounts with prior cancellations, non-renewals, or coverage lapses You might have a client running a busy CNC shop with a recent loss history, or a machine shop expanding payroll and operations into multiple states—Novatae has solutions for both situations and more. Coverage Features and Program Advantages Fast turnaround on quotes and underwriting decisions Access to many "A" rated carriers across admitted and non-admitted markets Stand-alone Workers Compensation policies available Flexible plan structures: guaranteed cost, high deductible, dividend, and retrospective (retro) plans Custom account handling and integrated workers’ comp solutions to manage complex exposures The program is built to give you flexibility and multiple placement options for challenging machine shop accounts. Submission Requirements Completed ACORD 130 application 3–4 years of loss runs Details on any large losses or open claims Completed supplemental questionnaire (when requested) Underwriting Notes and Minimum Premiums Minimum premium starts at $10,000. Final premium and market options depend on state jurisdiction, payroll mix, class codes, and loss history. Novatae evaluates each file to identify admitted and non-admitted markets that best fit the risk profile. Program Availability Novatae’s Machine Shop Workers Compensation program is available in most states, including but not limited to CA, TX, FL, NY, IL, and PA. We have experience placing multi-state accounts and managing regional exposures across a wide territory. Why Partner With Novatae Risk Group As a Managing General Underwriter and E&S broker, Novatae Risk Group brings decades of underwriting experience and deep carrier relationships to support agents and brokers. Our underwriting team understands the manufacturing and machining sectors and provides tailored placement strategies for complex workers’ comp risks. Contact us at 800-758-8113 to speak with an experienced broker about your Machine Shop Workers Compensation accounts. Need a Workers Compensation Insurance quote for a machine shop client? Send an email to [email protected] with the submission or call 800-758-8113 to reach an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best for machine shops with elevated MODs, high-hazard class codes, multi-state operations, startups, or accounts with prior coverage issues such as cancellations or non-renewals. Can I submit new machine shop startups with no prior coverage?Yes. Novatae regularly writes startup machine shops, including those without prior Workers Comp coverage, provided the business plan and safety controls are acceptable. What documents are required to submit an account?Provide a completed ACORD 130, 3–4 years of loss runs, details on any large or open claims, and the supplemental questionnaire when requested. Are multi-state exposures eligible for this program?Yes. Novatae has experience placing multi-state Workers Compensation risks and can coordinate admitted and non-admitted options across jurisdictions. What is the minimum premium for this program?The minimum premium typically starts at $10,000, though final terms depend on the state, payroll, class codes, and loss history. Need help placing an account? Connect with a market specialist.

... Managing General Underwriter and Excess & Surplus Lines broker with deep root...

... Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk ...

Workers Compensation Insurance is a required coverage in most states, providing benefits such as medical expenses and partial lost wages for employees who suffer work-related injuries or illnesses. However, placing coverage for certain businesses can be difficult due to high risk classifications, elevated experience mods, or prior coverage issues. Novatae Risk Group, through its partnership with Empire Underwriters and an “A”-rated carrier, offers a specialized Hard to Place Workers Compensation Insurance program designed for challenging accounts. Whether your client has a high MOD, operates in a tough industry class, or has coverage gaps, we can help you find solutions quickly and effectively. Ideal Accounts and Appetite: Accounts with MODs of 1.30 or higher High-hazard industries and tough-to-place classes Blue, gray, and white collar businesses Clients currently in state pools or residual markets Distressed, lapsed, or non-renewed accounts New ventures welcomed Multi-state exposures are a specialty You may have a client in roofing with lapsed coverage or a trucking company with prior losses—these are the types of risks we regularly underwrite. Coverage Highlights and Advantages: Fast turnaround on submissions Access to multiple “A” rated carriers Stand-alone Workers Comp policies Guaranteed cost, high deductible, and retro-rated options Consent to rate specialists Dividend plans available PEO and ASO contracts available Clients can retain control over payroll and check issuance Custom account handling for unique needs Underwriting Requirements and Minimum Premium: Completed ACORD 130 application 3–4 years of loss runs Details on any large losses Supplemental questionnaire Minimum premium starts at $10,000, and submissions are reviewed thoroughly to match your client with the right market. Territories and Availability: This program is available in most states, including but not limited to: CA, FL, TX, NY, IL, PA, and GA. We currently write in over 45 states, including DC. Sampling of Target Classes: Agriculture Assisted Living Bridge & Road Construction Carpentry Concrete & Asphalt Dirt Work Elderly Care Facilities Excavation Farms In-Home Care Iron & Steel Line Maintenance Logging Machine Shop Maid Services Manufacturers Masonry Non-Profit Organizations Nursing Homes Oil & Gas Paving Pipeline Retail Roofing Sawmills Services Sheet Metal Staffing Companies Tower Erection Trucking & Transportation Partner With Novatae Risk Group As a national Managing General Underwriter and E&S Broker, Novatae Risk Group offers extensive market access and underwriting expertise for difficult Workers Compensation placements. Our dedicated brokers understand the challenges of high-risk classes and distressed accounts, and we work closely with agents to deliver responsive service and creative solutions. Contact us at 800-758-8113 to discuss your Hard to Place Workers Compensation Insurance accounts today, or email us at [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for businesses with high MODs, prior losses, lapsed coverage, or operations in high-hazard industries like roofing, trucking, construction, and in-home care. Can new ventures apply for coverage under this program?Yes, new ventures are accepted and can be evaluated for coverage depending on the class of business and state regulations. What documentation is required for submission?We typically require a completed ACORD 130, 3–4 years of loss runs, details of any large losses, and a supplemental questionnaire. Is multi-state coverage available?Yes, we specialize in multi-state exposures and can provide tailored Workers Compensation solutions across state lines. What is the minimum premium for this program?The minimum premium starts at $10,000, but final pricing depends on the class of business, loss history, and underwriting considerations. Need help placing an account? Connect with a market specialist.