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Flat concrete contractors face distinct liability exposures because their work forms the foundation for structures and surfaces. Defective workmanship, inferior materials, or unexpected site conditions can lead to expensive claims—even years after a job finishes. Novatae Risk Group’s General Liability Insurance for Flat Concrete Contractors helps your clients manage those risks with tailored coverage and underwriting expertise. Through our relationship with Empire Underwriters, Novatae provides access to a program supported by “A”-rated admitted and non-admitted carriers. The program is built for small to mid-sized flat concrete contractors with annual payrolls under $1,000,000. Whether your client does smooth concrete, decorative finishes, or commercial and residential slabs, this market offers focused coverage and underwriting guidance designed for the trades you place. To discuss Flat Concrete Contractor accounts, call our brokers at 800-758-8113. Overview of the Program: This general liability program addresses the common and specialized exposures of flat concrete contractors working in residential and light commercial sectors. Coverage and endorsements are targeted to risks associated with flatwork slabs, decorative concrete, cleaning services, footers, and related site work. Ideal Accounts and Target Appetite: We are actively seeking small to medium-sized contractors with less than $1,000,000 in annual payroll. Target operations include: Smooth concrete flatwork (driveways, sidewalks, patios) Decorative, stamped, and finished concrete Concrete cleaning and restoration services Residential and light commercial slabs and footings Example fits: you might have a client who installs residential driveways and patios or a subcontractor placing slabs on small commercial projects. Those operations typically match this program’s appetite. Coverage Highlights: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per-project aggregate limits Subsidence coverage (subject to limitations) Prior project coverage (subject to limitations) Underwriting Requirements and Minimum Premium: Completed ACORD applications 3–5 years of currently valued loss runs Supplemental contractor application Project-specific pollution application (if applicable) Minimum premiums typically start at $1,500, and final pricing depends on state and class codes. Territories and Carrier Access: Coverage is available in most 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. We place both admitted and non-admitted options with highly rated carriers (up to A-XV) depending on state and risk profile. Why Work With Novatae Risk Group: As a wholesale broker focused on construction, Novatae Risk Group delivers responsive service, deep market access, and practical underwriting support. We understand flat concrete exposures and work with brokers to place hard-to-bind or nuanced accounts efficiently. Our relationship with Empire Underwriters gives you expanded carrier options and tailored wording that matter on construction projects. Need a quote for a flat concrete contractor? Email submissions to [email protected] or call 800-758-8113 to speak with an underwriter. Frequently Asked Questions What types of accounts are a good fit for this program?Small to medium flat concrete contractors with payrolls under $1,000,000 — for example, residential flatwork specialists, decorative concrete installers, and light commercial slab contractors. What are the minimum premium requirements?Minimum premiums typically start at $1,500, but the final minimum depends on the state and operations class. What do I need to submit for a quote?Provide completed ACORD applications, 3–5 years of currently valued loss runs, the supplemental contractor application, and a pollution application if the account has pollutant exposures. Is coverage available in my state?The program is available in most states listed above. Contact us to confirm availability and admitted vs. non-admitted options for your client’s state. What carrier markets are used for this program?We utilize both admitted and non-admitted carriers, with available markets rated as high as A-XV depending on the risk profile and jurisdiction. Need help placing an account? Connect with a market specialist.

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.

Workers Compensation Insurance for paving contractors is often costly because the work is high-risk. Crews face hazards such as burns from hot asphalt, chemical and fume exposure, respiratory irritation from smoke, and physical injuries like back strains, sprains, or hernias from lifting and equipment operation. Even well-managed paving businesses can have severe or frequent claims, so placing the right workers’ comp program is essential to protect your clients and control long-term costs. Novatae Risk Group, in partnership with Empire Underwriters, leverages more than 30 years of experience helping agents and brokers place tailored Workers Compensation solutions for paving contractors. We combine underwriting expertise for high-hazard classes with access to multiple carrier options so you can find terms for accounts that are difficult to place in standard markets. Ideal Accounts and Appetite: Experience MOD of 1.30 or higher High-hazard or difficult class codes (paving, asphalt, surface prep) Blue-, gray-, and white-collar workforces Accounts currently in state pools or assigned risk funds Distressed, lapsed, or canceled policies New ventures with no prior coverage Multi-state operations and accounts with out-of-state exposures Hard-to-place workers compensation risks requiring specialty markets This program is built for accounts other carriers may decline or price aggressively — including contractors with prior claims, complex payroll mixes, or multi-jurisdictional exposures. If you have an insured that has been assigned to a state fund, is new to the trade, or has an elevated MOD, this program is designed to provide practical placement options. Coverage Highlights and Advantages: Fast turnaround on submissions to keep placement timelines tight Access to many "A" rated carriers and surplus markets (varies by state) Stand-alone workers compensation policies and integrated work comp solutions Guaranteed cost programs as well as dividend and retrospective (retro) plans High-deductible and large-loss financing options Custom account handling and flexible underwriting for qualified risks Underwriting Requirements and Minimum Premium: Completed ACORD 130 application 3–4 years of loss runs Detailed explanations and documentation for any large or recurring losses Completed supplemental questionnaire when requested Minimum premium starts at $10,000. Underwriting flexibility is available for certain qualified accounts; submit complete information to get the most favorable consideration. Territories and Availability: This program is available in most states. Representative availability includes 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. Multi-state exposures are handled regularly — provide jurisdictional payroll details with submissions. Why Work With Novatae Risk Group: As a Managing General Underwriter and Excess & Surplus Lines broker, Novatae Risk Group offers deep market access and specialty underwriting for challenging workers compensation placements. Our relationship with Empire Underwriters gives you direct pathways to a variety of admitted and non-admitted carriers. We focus on practical placement, responsive underwriting, and account-level flexibility that helps you keep business with your clients. Need a Workers Compensation Insurance quote for a paving contractor client? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Example accounts that typically fit this program: A regional paving contractor with a MOD of 1.45, multi-state payroll, and several prior medical-only claims seeking alternatives to the assigned risk pool. A start-up asphalt surfacing business with limited loss history and mixed class codes needing stand-alone workers comp coverage and flexible payroll handling. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?Paving contractors with elevated MODs, hard-to-place class codes, prior losses, multi-state operations, or those currently in assigned risk pools. New ventures are also considered when documentation is provided. Can I submit accounts with lapsed or canceled coverage?Yes. Distressed accounts, including those with lapsed or canceled policies, are within the program’s appetite when underwriting requirements are met and loss explanations are provided. What documents are required to get a quote?Provide a completed ACORD 130, 3–4 years of loss runs, details and reserves for any large losses, and a completed supplemental questionnaire if requested by underwriting. Is this program available in all states?The program is available in most states, including major paving markets such as CA, TX, FL, NY, and IL. We routinely handle multi-state exposures; list all jurisdictions on the submission. What is the minimum premium for eligible accounts?The minimum premium requirement is $10,000. Final pricing depends on payroll, loss history, class mix, and underwriting evaluation. 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.

As a sheet metal contractor, your clients face a wide range of occupational hazards—from sharp metal edges and heavy machinery to elevated work areas and welding operations. Each specialty within the sheet metal industry presents its own set of risks, making it critical to have a tailored Workers Compensation solution in place. Novatae Risk Group, through its Empire Underwriters division, offers a specialized Workers Compensation Insurance Program designed specifically for sheet metal contractors, addressing both common and complex risk scenarios. With over 30 years of experience working with sheet metal companies, our team understands the operational challenges and regulatory requirements these businesses face. Whether your client is a new venture or a long-standing operation with a complicated loss history, we have the underwriting expertise and market access to help you place hard-to-fit risks effectively. Ideal Accounts and Appetite: Experience MOD of 1.30 or higher High hazard or tough-to-place classes Blue, gray, and white-collar operations Accounts in state risk pools or assigned risk funds Distressed, lapsed, or non-renewed accounts No prior coverage—OK New ventures welcome Multi-state operations and exposures Hard-to-place Workers Compensation risks If you have a sheet metal contractor client recently dropped from a standard carrier or one operating across state lines with inconsistent coverage, this program is built to help you find a reliable solution. Coverage Highlights and Advantages: Fast quote turnaround Access to multiple "A" rated carriers Stand-alone Workers Compensation policies Guaranteed cost programs available Integrated Work Comp solutions Dividend and retrospective rating plans High deductible options Customized account handling for complex risks Underwriting Requirements and Minimum Premium: Completed ACORD 130 application 3–4 years of loss runs Detail on any large losses Supplemental questionnaire Minimum premium starts at $10,000. Submissions with thorough documentation receive faster underwriting and quoting. Available States: This program is available nationwide in most states, including but not limited to: CA, FL, TX, NY, IL, PA, GA, and AZ. Multi-state risks are a specialty, and we work across admitted and non-admitted markets depending on the state and account profile. Why Work With Novatae Risk Group? Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines Broker with deep expertise in Workers Compensation. Through Empire Underwriters, we deliver custom solutions for tough classes like sheet metal contracting. Our long-standing carrier relationships, underwriting knowledge, and responsive service make us a strong partner for agents and brokers seeking to place difficult or non-standard accounts. Do you need a Workers Compensation Insurance Quote for Sheet Metal Contractors? 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 sheet metal contractors with high MODs, prior losses, multi-state exposure, or those dropped by standard markets. Can new ventures with no prior coverage apply?Yes, new ventures and accounts with no prior Workers Compensation coverage are eligible for consideration. What documents are required to submit a quote?You’ll need a completed ACORD 130, 3–4 years of loss runs, details on large losses, and a supplemental questionnaire. Are multi-state operations acceptable?Yes, multi-state risks are a specialty of this program, and we can tailor solutions across various jurisdictions. What is the minimum premium for this program?The minimum premium typically starts at $10,000, depending on the risk characteristics and state. Need help placing an account? Connect with a market specialist.

Janitorial and cleaning businesses face unique and elevated risks due to the nature of their off-site operations. Employees often travel to multiple job locations, increasing exposure to injuries, illnesses, and liability claims. For agents working with janitorial clients who are ineligible for standard workers' compensation markets, Novatae Risk Group offers a tailored Non-Standard Workers Comp Insurance program designed to meet the specific needs of this challenging class. This program is an excellent solution for cleaning and janitorial companies that have been declined, non-renewed, or priced out of the standard market. With flexible underwriting and access to multiple carriers across all available markets, Novatae helps agents place tough accounts while delivering real value to clients. Program Highlights: “Pay-As-You-Go” Non-Standard Workers Comp with reduced costs No premium deposit required No premium audits Significant cash flow advantages Loss control and risk management support Fair and aggressive claims management HR services including unemployment claims, garnishments, COBRA, and more Full payroll services with tax remittance, 941s, and W-2s Client option to process payroll in-house ASO (Administrative Services Only) and PEO (Professional Employer Organization) options High retention product—continues until cancelled Ideal Accounts and Submission Appetite: Accounts exiting a state fund or assigned risk pool Accounts non-renewed or cancelled due to high exposure or loss history Accounts with X-Mods between 1.3 and 3.0 New ventures or operations with no prior coverage but in tough classes Accounts with lapses in coverage and adverse loss experience Businesses with manual rates of $8 to $50 or more and other risk factors You might have a janitorial client with a lapse in coverage and a history of claims exceeding $20,000. Or, perhaps you’re working with a new cleaning business struggling to find coverage due to interstate exposure or classification issues. These are the types of accounts this program is purpose-built to serve. Not a Fit For: Accounts that qualify for standard market workers comp Accounts just shopping for a better rate Accounts with credit X-Mods and little to no loss history Accounts not meeting any of the eligibility criteria Submission Requirements: Completed Acord 130 Class-specific supplemental application (available on the program page) Three years of loss history Loss history affidavit for accounts with lapse or no prior coverage Explanation for claims exceeding $20,000 Experience Mod worksheet Territories and Market Access: This program is available in all 50 states plus Washington, D.C. Admitted and non-admitted options are available depending on the state and carrier. Novatae Risk Group works with a variety of markets to place the right fit for your client. Why Work With Novatae Risk Group? As a Managing General Underwriter and E&S Broker with deep expertise in hard-to-place workers comp risks, Novatae provides agents with a reliable partner for tough janitorial accounts. From responsive underwriting to full-service HR and payroll capabilities, Novatae is committed to helping agents deliver value, efficiency, and client satisfaction. Need a Non-Standard Workers Comp Quote for a Janitorial Account? 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 janitorial and cleaning companies with high X-Mods, lapses in coverage, prior cancellations, or tough classification issues that make them ineligible for standard workers comp markets. Is this a PEO-only program?No. Novatae offers both PEO and ASO (Administrative Services Only) options, along with payroll services. Clients can also choose to cut checks in-house if preferred. Are new ventures eligible for coverage?Yes, new janitorial businesses with no prior coverage can be considered, especially if they face tough underwriting criteria or operate across state lines. What documentation is needed to get a quote?Submissions require an Acord 130, a class-specific supplemental application, three years of loss history (or affidavit if not available), explanation of large claims, and an Experience Mod sheet. In which states is this program available?This program is available in all U.S. states and Washington, D.C., with access to both admitted and non-admitted markets depending on the state. Need help placing an account? Connect with a market specialist.

Novatae Risk Group offers a focused Mineral Milling Workers Compensation Insurance program tailored for employers who operate mineral milling facilities. We understand that costs can be significant and exposures vary with operation size and staffing — from management and runners to hands-on operators. This program is built to address those industry-specific risks with disciplined underwriting and broad market access. This program is underwritten through experienced partners familiar with mineral milling exposures. Novatae Risk Group and our underwriting partners perform detailed, risk-focused evaluations so you can place Workers Compensation coverage with confidence across a number of "A" rated carriers. To discuss a Mineral Milling Workers Compensation submission, please call 800-758-8113 or email [email protected] for immediate assistance from an underwriter. Program Features: Only $7,500 Minimum Premium Program Highlights: 10% commission Fast turnaround for quotes with completed application Coverage available in over 20 states Submissions: Acord 130 3 Years Loss Runs Supplemental Questionnaire Details on Large Losses Ideal Accounts and Appetite This program targets mineral milling operations with established safety programs and routine maintenance controls. Ideal accounts typically include small to mid-sized mills with predictable payrolls and clear classification of duties for management, runners, and operators. Accounts with significant subcontractor exposures, uncontrolled remote operations, or extremely high loss frequency may require additional underwriting review or alternative markets. Coverage Advantages Underwriting focused on mill-specific exposures rather than broad manufacturing categories Access to multiple A-rated carriers to achieve competitive terms Streamlined quoting when required submission documents are provided Underwriting Notes and Minimums Provide a completed Acord 130, three years of loss runs, the program supplemental questionnaire, and full details on any large losses to obtain a timely quote. The program has a minimum premium of $7,500; higher minimums may apply in select states or for accounts with elevated exposures. Territories and Admitted Status Availability: 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, WV. Admitted status: All Available Markets. Coverage availability and placement options vary by state; contact underwriting for specifics. Why Place Mineral Milling Business with Novatae Risk Group Novatae Risk Group provides agents with a specialized placement option for mineral milling Workers Compensation risks, combining industry-aware underwriting, carrier access, and prompt service. You get a dedicated underwriting partner who understands mill exposures and can help structure terms that match your client’s operations. Example account: You might have a regional mineral mill with 25 employees — a plant manager, shift supervisors, several operators, and material handlers — with three years of stable loss history and a documented safety program. This program is positioned to provide competitive Workers Compensation terms for that profile. Do you need a Workers Compensation Quote for your Mineral Milling 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 mineral milling accounts are a good fit for this program?Good-fit accounts are small to mid-sized mills with clearly defined roles (management, runners, operators), documented safety and maintenance programs, and three years of loss history. High-frequency loss accounts or uncontrolled subcontractor exposures may need additional review. What documents are required to get a fast quote?Submit a completed Acord 130, three years of loss runs, the program supplemental questionnaire, and full details on any large losses to help underwriting provide a timely quote. Is the program available in my state?The program is available in the listed states. Coverage options and admitted vs. non-admitted placement depend on state rules and the specific account; contact underwriting for state-specific details. What is the minimum premium and how does it affect small accounts?The program minimum premium is $7,500. Smaller accounts below that threshold may need alternative placement or consolidation strategies to meet the program minimums. How quickly can I expect a quote after submission?When you provide the required submission materials, the program emphasizes fast turnaround. Timelines vary by complexity, but complete submissions receive priority handling from underwriting. Need help placing an account? Connect with a market specialist.