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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.

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.

Lawn care professionals work in dynamic outdoor environme...

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.

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.