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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.

Property management operations present a broad range of workers' compensation challenges — multiple property types, varied employee duties, seasonal or transient staffing, and multi-jurisdiction exposures. Novatae Risk Group offers a specialized Non-Standard Workers Comp Insurance program tailored to property management risks that are difficult to place in the standard market. The program helps agents and brokers secure reliable coverage for higher-exposure or hard-to-place accounts. Backed by more than 30 years of experience and delivered in partnership with Empire Underwriters, Novatae's program provides flexible solutions to control costs, improve compliance, and simplify claims handling. It is designed to serve accounts exiting assigned-risk pools or state funds, non-renewed accounts, new ventures with operational need, and other non-standard placements where standard markets are unwilling or unable to offer terms. Ideal Accounts and Appetite Property management firms with difficult class codes and elevated experience mods (X-mods typically 1.30–3.00) Accounts leaving state funds, assigned-risk, or an insurer of last resort Non-renewed or canceled accounts with prior loss activity New ventures or startups with no prior coverage but valid payroll and operational plans Accounts with coverage lapses that can provide a loss affidavit and supporting documentation Example fits: you might have a client who manages multiple apartment communities with on-site maintenance and security staff and a recent claims history, or a property manager of retail centers that experienced prior coverage gaps and increasing payroll exposure. Coverage Highlights and Advantages Pay-As-You-Go workers' comp — no premium deposit required No premium audits, reducing administrative burden for clients and brokers Improved cash flow through flexible premium and payroll options Dedicated loss control and risk management support tailored to property operations Claims handled proactively with an emphasis on containment and fair outcomes HR support services including unemployment claims, garnishments, COBRA administration, and related services Full payroll services with tax remittance, 941s, W-2s, and payroll compliance support In-house check cutting and other payroll fulfillment options ASO (Administrative Services Only) and PEO (employee leasing) structures available where appropriate High-retention policy design — coverage remains active until canceled per policy terms Underwriting Notes and Minimum Premiums Required submission items: ACORD 130, applicable class supplemental form, three years of loss runs, a loss affidavit for lapsed or no-prior accounts, explanation for any claims over $20,000, and current experience mod sheets Minimum premiums vary by state and by risk class; underwriters will advise at review Only accounts that meet one or more eligibility criteria will be considered; this is not a market for accounts that have competitive standard-market offers Not suitable: low X-mods or accounts simply shopping for lower rates when standard coverage is available Territories and Availability The Non-Standard Workers Comp for Property Management program is available in most states, including 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, and WI. Carrier access and specific appetite vary by state — carriers vary per state and placement is subject to local market availability. Why Work With Novatae Risk Group? Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines broker focused on challenging workers' compensation placements. Our underwriters understand the operational nuances of property management and work with Empire Underwriters to provide non-standard solutions, streamlined underwriting, and a suite of value-added services that make placement and administration easier for you and your clients. Need a quote? Email [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 program?This program targets property management companies with difficult class codes, elevated experience mods, prior claims issues, or those exiting assigned-risk pools or state funds. Can I submit an account that has had a lapse in coverage?Yes. Accounts with a lapse can be considered if they meet underwriting criteria and include a completed loss affidavit plus supporting documentation. Is prior coverage required for eligibility?No. New ventures or accounts with no prior coverage may be eligible, particularly when they fall into tough classes or have multi-state exposures. Are premium audits required?No. One advantage of this program is the absence of premium audits, which reduces administrative work and helps clients manage cash flow. Which states is this program available in?The program is offered in most U.S. states (see Territories and Availability above). Market access and carrier appetite vary by state and by class. Need help placing an account? Connect with a market specialist.

Empire Underwriters, a division of Novatae Risk Group, offers a specialized Workers Compensation Insurance program for Line Maintenance Service contractors. With focused underwriting expertise and access to nationwide markets, Empire helps agents and brokers place hard-to-place or higher-risk accounts in this sector. Line maintenance work brings a broad mix of physical and operational exposures — working at heights, using power tools, handling equipment, and operating in unpredictable outdoor conditions. This program is structured to address those unique workers compensation risks and to provide flexible solutions for accounts with challenging loss histories or multi-state operations. Empire works exclusively with licensed agents and brokers to deliver competitive, compliant coverage. Our underwriting relationships with many “A”-rated carriers allow us to offer a range of program structures, including options for accounts with elevated experience mods, prior losses, or unusual exposures. Ideal Accounts and Appetite Experience Mod 1.30 or higher High-hazard or tough-to-place classification codes Blue-, gray-, and white-collar employee classes Accounts in assigned risk pools or state funds Distressed, lapsed, canceled, or non-renewed policies New ventures and start-ups Multi-state operations and mobile workforces Examples: You might have a small line maintenance contractor starting without prior coverage, or a multi-state crew with prior large losses seeking better placement — both are routinely reviewed and considered. Coverage Highlights and Advantages Stand-alone Workers Compensation solutions Guaranteed cost and high-deductible options Dividend and retro-rated plans where appropriate Integrated claims handling and loss control support Custom account handling and responsive underwriting Fast turnaround for submissions and renewals Access to multiple admitted and non-admitted carriers (varies by state) Underwriting Notes and Minimum Premiums Required: completed ACORD 130 application Provide 3–4 years of currently valued loss runs Detail any large or frequent losses and corrective measures Supplemental questionnaire may be requested for complex operations Minimum premium starts at $10,000. Territories and Availability This Workers Compensation program is available in all 50 states and the District of Columbia, including key markets such as CA, TX, FL, NY, and IL. We routinely handle both single-state and multi-state exposures and can coordinate placement across jurisdictions. Why Work With Novatae Risk Group Novatae Risk Group, through Empire Underwriters, combines hands-on underwriting for difficult classes with broad distribution and carrier access. We specialize in solving complex placement challenges for Workers Compensation and provide agents with tailored solutions, quick responses, and support through binding and claims handling. Call 800-758-8113 to speak with our brokers about Line Maintenance Service Workers Compensation Insurance. Or email your submission to [email protected] to get started. Frequently Asked Questions What types of accounts are a good fit for this Line Maintenance Workers Comp program?This program targets high-hazard or hard-to-place accounts, including businesses with elevated experience mods, prior claims, new ventures, or multi-state operations. Can you place coverage for a new Line Maintenance business with no prior insurance?Yes. Empire underwrites start-ups and new ventures and can tailor coverage to the operational exposures of a growing line maintenance contractor. What documents are required for a submission?Provide a completed ACORD 130, 3–4 years of currently valued loss runs, details on any large losses, and the supplemental questionnaire when requested. Is this program available nationwide?Yes. The program is available in all 50 states and D.C., with solutions for both single-state and multi-state exposures. What is the minimum premium for this program?Minimum premium begins at $10,000, though final pricing depends on the account’s risk profile and state of operation. Need help placing an account? Connect with a market specialist.

Roofing contractors rank among the highest workers compensation exposures in construction. As an independent agent, you need a market that understands the hazards of working at heights, heavy material handling, and variable job-site safety. Novatae Risk Group, in partnership with Empire Underwriters, offers a targeted Workers Compensation Insurance for Roofers program built to place difficult, high-exposure, and multi-state roofing accounts. Backed by more than 30 years of underwriting and program placement experience in roofing and construction, this program helps agents place accounts that traditional carriers decline. Novatae provides access to a panel of “A” rated carriers across admitted and non-admitted markets, and offers flexible structures for accounts with elevated MODs, recent losses, lapsed coverage, or complex payroll and employee mixes. Target Accounts and Appetite Roofing contractors with experience MODs of 1.30 or higher High-hazard roofing classifications and tough construction classes Accounts in state pools or assigned risk funds New ventures and startups with limited or no prior coverage Cancelled, non-renewed, or hard-to-place accounts Multi-state operations and contractors with complex exposures Mixed workforce compositions—including blue, gray, and white-collar roles If you’re facing an insured who has been turned away by standard markets, Novatae’s program is structured to step in where others won’t. The appetite is broad but focused on roofing-related risks—very high-risk specialty trades outside typical roofing operations may be referred to other markets. Program Highlights Access to top-rated carriers (“A” Rated) across admitted and non-admitted markets Fast turnaround on submissions and competitive quote response times Stand-alone Workers Compensation policies and flexible plan options Guaranteed cost, dividend, and retro plans to match risk appetite High-deductible programs and captives-friendly structures where appropriate Integrated risk-management services and loss-control resources Custom account handling for complex, multi-state, or high-loss accounts Underwriting Notes and Submission Requirements Completed ACORD 130 application 3–4 years of loss runs Supplemental questionnaire for roofing operations Details on any large or catastrophic losses The program is designed to evaluate the full risk picture—payroll mixes, subcontractor use, safety and return-to-work programs, and prior claim patterns all factor into placement and pricing. For accounts with significant prior losses, providing detailed loss narratives and corrective action plans will improve placement chances. Program Availability and Minimum Premium This program is available in most states, including AL, AK, AZ, CA, FL, GA, IL, NY, TX and many others. Coverage can be placed through admitted or non-admitted carriers depending on state rules and account specifics. The minimum premium for this program is $10,000. Why Work With Novatae Risk Group? Novatae Risk Group, together with Empire Underwriters, combines deep roofing and construction expertise with broad market access. We focus on solutions for agents who need to place challenging workers compensation risks: high MODs, multi-state payrolls, lapses, and accounts with prior loss activity. Our underwriting team provides practical, market-ready options and works with agents to structure submissions for the best possible outcomes. Example scenarios you can place through this program: A regional roofing contractor with a 1.6 experience MOD and a recent large medical claim seeking a multi-state program and loss-containment plan. A startup roofing business with strong safety protocols but no prior coverage—seeking an entry solution while building a loss history. Need a quote for your roofing client? Email your submission to [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of roofing contractors are a good fit for this program?This program is ideal for contractors with high MODs, prior claims, lapsed policies, or those that are new ventures. We also specialize in hard-to-place and high-hazard roofing accounts. Can you handle multi-state exposures?Yes, multi-state operations are a specialty. We work with carriers that provide solutions across state lines, simplifying coverage for clients operating in multiple jurisdictions. What is the minimum premium for this program?The minimum premium starts at $10,000, though actual premiums vary based on the account’s details and risk profile. What documentation is required for a quote?To get started, we typically need an ACORD 130, 3–4 years of loss runs, a supplemental questionnaire, and details on any significant losses. Are both admitted and non-admitted markets available?Yes, we offer access to both admitted and non-admitted carriers, depending on the state and account specifics. Need help placing an account? Connect with a market specialist.

...a ground-up build, remodel, or installation job, Halcyon’s marketplace is buil...l income, contractor’s equipment, installation floaters, and Computer/EDP. The...

...a ground-up build, remodel, or installation job, Halcyon’s marketplace is buil...l income, contractor’s equipment, installation floaters, and Computer/EDP. The...

Bridge construction projects come with significant risks, from working at heights and around heavy machinery to managing multi-state operations. Novatae Risk Group offers a specialized General Liability Insurance program for Bridge Contractors through Empire Underwriters, built to help brokers and agents place hard-to-insure accounts with confidence. Whether your client builds pedestrian walkways, highway overpasses, or bridges over water, this program provides the tailored protection they need to operate securely and compliantly. Designed for small, mid-size, and large operations, this program addresses the wide variety of exposures that bridge contractors face. In addition to General Liability, Empire Underwriters can also assist with complementary coverages such as workers’ compensation, alternative comp solutions, commercial property, bonds, and more—giving agents a one-stop solution for their clients. Ideal Accounts and Appetite Bridge contractors with at least $40,000 in payroll Owner-operated businesses with 2 or more employees New ventures and startups Accounts with prior claims or open losses Cancelled or lapsed policies Multi-state operations Hard-to-place and artisan contractors Paper contractors and those requiring CG201185 equivalent You might have a client who recently launched a bridge construction company and needs help securing their first general liability policy—or a seasoned contractor with a lapse in coverage due to a prior loss. This program is built for both scenarios and more. Coverage Highlights and Advantages General Liability tailored to bridge construction risks Quick turnaround and responsive service Access to multiple carriers, including admitted and non-admitted options Available in most states with flexible underwriting Empire Underwriters works with a wide network of markets, including certain Underwriters at Lloyd’s of London, allowing for flexible solutions across a range of risk profiles. Submission Requirements ACORD 124 and 126 forms 3–4 years of loss runs Explanation of any lapses or large losses Completed supplemental questionnaire To discuss a submission or get a quote for your bridge contractor accounts, contact us at 800-758-8113 or email [email protected]. Territories and Availability This program is available in a wide range of states, including AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, and WV. Why Work With Novatae Risk Group? As a leading Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group brings specialized underwriting expertise and access to flexible markets. Their focus on hard-to-place and high-risk contractor classes makes them a valuable partner for agents who need creative solutions for challenging accounts. Whether you're working with a new venture or a complex multi-state contractor, Novatae and Empire Underwriters are ready to help you place the business. Frequently Asked Questions What types of accounts are a good fit for this Bridge Contractors program?This program is ideal for small to large bridge construction businesses, including those with prior claims, policy lapses, or high-risk operations. It also accepts new ventures and multi-state contractors. Is this program available in admitted or non-admitted markets?Both admitted and non-admitted options are available, including access to certain Underwriters at Lloyd’s of London, depending on the risk and state. What documents are required to submit an account?You’ll need ACORD 124 and 126 forms, 3–4 years of loss runs, a supplemental questionnaire, and details about any large losses or lapses in coverage. Can I submit a contractor with a recent coverage lapse?Yes, this program considers accounts with recent lapses, as long as reasons are provided and underwriting guidelines are met. What is the minimum premium for this program?Minimum premiums vary based on the risk profile, location, and size of the account. Contact the underwriter for specific pricing guidance. Need help placing an account? Connect with a market specialist.

Carpenters face daily, specialized jobsite risks — from falls and equipment accidents to repetitive-motion injuries. A single claim can create significant financial exposure for contractors and for the agents who place them. Novatae Risk Group’s Carpentry Workers Compensation Insurance Program is tailored to help brokers place high-hazard, hard-to-place carpentry and construction risks with speed and precision. Using Empire’s underwriting platform, Novatae gives brokers access to a broad panel of markets and flexible solutions built for carpentry operations. Whether the account is a newly formed business, has prior large losses, or is otherwise difficult to place, this program focuses on fast quotes, responsive underwriting, and placement options across admitted and non-admitted markets. Ideal Accounts and Appetite Experience MOD of 1.30 or higher High-hazard or tough classification codes Residential framers, commercial carpenters, specialty carpentry contractors Accounts in state assigned risk pools New ventures, accounts with lapses, cancellations, or non-renewals Multi-state exposures and complex payrolls Hard-to-place workers compensation risks that need specialty underwriting Example scenarios: you might have a contractor with a history of large losses seeking placement, or a newly formed carpentry firm that can’t secure coverage in standard markets. This program is designed to give brokers practical options for those accounts. Coverage Highlights and Advantages Standalone Workers Compensation policies Access to multiple “A”-rated carriers (varies by state) Quick turnaround and hands-on underwriting Guaranteed cost, dividend, retrospective, and high-deductible plan options Integrated solutions for large or complex accounts Custom handling based on account size, loss history, and complexity The program offers flexibility to help brokers remain competitive in the high-risk workers compensation marketplace, from single-state carpentry risks to multi-state contractor operations. Underwriting Requirements and Minimum Premium Completed ACORD 130 application 3–4 years of currently valued loss runs Details on any large losses or open claims Supplemental questionnaire when applicable The program’s minimum premium is $10,000. Underwriting flexibility may be available for qualified accounts; submit complete documentation to accelerate review. Territories and Market Access This program is available in most states, including: 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. Admitted and non-admitted markets are available depending on the state and the account profile; carrier access varies by state. Why Partner with Novatae Risk Group? Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines Broker with deep experience placing high-hazard workers compensation accounts. Our underwriters know the carpentry sector and work with a broad market panel to find placement solutions for challenging submissions. We welcome the chance to review your carpentry accounts and help you find the right market and structure. Call our team at 800-758-8113, or email submissions to [email protected]. Frequently Asked Questions What types of carpentry businesses are eligible for this program?The program targets high-hazard carpentry operations, including residential framers, commercial carpenters, and specialty contractors with elevated MODs or adverse loss histories. Can I submit accounts with no prior coverage or those that have been non-renewed?Yes. The program accepts new ventures, accounts with lapses, cancellations, or non-renewals, subject to underwriting review and documentation. Which states is the program available in?This program is available in more than 45 states, including large markets such as CA, TX, FL, and NY. Carrier availability varies by state and account profile. What is the minimum premium for this program?Minimum premium starts at $10,000. Underwriting flexibility on minimums may be considered for qualified submissions. How quickly can I expect a quote?Turnaround is typically fast when a completed ACORD 130, current loss runs, and any supplemental information are provided up front. Need help placing an account? Connect with a market specialist.