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...olutions for manufacturers and distributors whose products or operations fall ...am is ideal for manufacturers and distributors of products with elevated liabi...

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Workers Compensation Insurance is a critical coverage line for hotels, motels, and resort operations due to the high frequency of workplace injuries such as slips, falls, strains, and repetitive motion injuries. The hospitality industry often involves physically demanding tasks, shift work, and fast-paced environments, all of which contribute to elevated risk levels for employees. Proper coverage helps protect your clients from costly claims and ensures compliance with state requirements. Novatae Risk Group, through its Empire Underwriters division, offers a specialized Workers Compensation program designed specifically for the hospitality sector. This program is backed by “A” rated carriers and includes expert underwriting support to help you place accounts efficiently and effectively. Whether you’re working with a boutique hotel or a multi-location resort, our team acts as an extension of your agency to help you navigate complex risks and identify the right solutions for your insureds. Call us today at 800-758-8113 to speak with an experienced broker about your Hotel, Motel, or Resort Workers Compensation accounts. Ideal Accounts and Appetite Independent hotels and motels Franchised hospitality chains Destination resorts and spa retreats Properties with food service, housekeeping, and maintenance operations You might have a client who owns a mid-sized resort in Florida with a full-service restaurant and spa. Or perhaps a privately-owned motel in California with 25 employees. These are the types of accounts this program is built to handle. Coverage Highlights and Advantages Access to “A” rated carriers for financial stability and reliability Competitive 10% commission Fast turnaround on quotes with complete submissions Coverage available across 25+ states Underwriting Requirements and Minimum Premium Minimum premium of $7,500 Completed Acord 130 application 3 years of currently valued loss runs Supplemental hospitality questionnaire Details on any large or unusual losses Applications with complete, organized documentation receive faster underwriting turnaround, helping you deliver timely quotes to your clients. Territories and Market Access This Workers Compensation program is available in over 25 states, including 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, and WV. Admitted and non-admitted markets are available depending on the state and risk profile. Why Work With Novatae Risk Group? As a Managing General Underwriter and E&S Broker, Novatae Risk Group brings deep experience in hospitality risk management and access to a wide array of markets. Our in-house experts help simplify the placement process and provide tailored support that helps you win and retain accounts. We’re here to help you grow your Workers Comp book with reliable markets and responsive service. Need a quote for your hotel, motel, or resort client? Email your submission to [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 is ideal for hotels, motels, and resorts with standard operations, including housekeeping, food service, and maintenance staff. Both independent and franchised properties are eligible. Is there a minimum premium requirement?Yes, the program requires a minimum premium of $7,500. What documents are needed to submit an account?Submissions should include a completed Acord 130, three years of loss runs, a supplemental hospitality questionnaire, and any details of large losses. How quickly can I get a quote?Quotes are typically provided quickly once a complete submission is received. The turnaround time depends on the complexity of the risk. In which states is this program available?The program is available in over 25 states, including CA, FL, TX, NY, GA, and others. Contact us for specific state availability. Need help placing an account? Connect with a market specialist.

Overview — Surety & Fiduciary Bond Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers a dedicated Surety & Fiduciary Bond program designed for agents and brokers who need a reliable wholesale market for commercial surety, fiduciary and related public official bonds. As a wholesale broker, First Choice helps you place bonds that guarantee contract performance, honest fiduciary administration, and a range of commercial obligations your clients must meet to do business or comply with licensing and court requirements. What this program covers The program includes traditional surety and fiduciary instruments as well as a broad selection of commercial bonds. Below are concise definitions and the core commercial bond types we handle: Surety Bond - A three-party agreement that guarantees a principal will carry out their contractual obligations or compensate the obligee for losses if the principal fails to perform. Fiduciary Bond - Bonds that guarantee an honest accounting and faithful performance of duties by administrators, trustees, guardians, executors and other fiduciaries responsible for managing assets or estates. Commercial Bond Notary public, license and permit bonds; public official, court, probate/fiduciary bonds; Medicare program supplier and contract bonds Bid bonds, payment and performance bonds, material and supply bonds, fidelity bonds for business operations Dishonesty bonds, janitorial service bonds, ERISA pension trust bonds Ideal accounts and target classes This program is aimed at agents placing a wide range of commercial clients, including: Small-to-mid-size contractors requiring bid, performance or payment bonds for municipal or private projects Businesses and professionals needing license, permit or fidelity coverage Trustees, executors, guardians and other fiduciaries who must post probate or fiduciary bonds Service contractors (janitorial, security, suppliers) and organizations needing dishonesty or ERISA bonds Typical accounts: a local general contractor bidding on municipal work, an executor required to post a probate bond, or a notary seeking a state-issued notary public bond. Coverage highlights and advantages Access to multiple surety and fiduciary markets through First Choice’s wholesale distribution Ability to place both standard commercial bonds and specialized public official/fiduciary obligations Streamlined submission process aimed at quick decisions for common bond types Guidance for documentation and underwriting expectations to help you prepare stronger submissions Underwriting notes and submission requirements Underwriting varies by bond type and carrier. Common items underwriters will request include signed applications, financial statements (when applicable), a copy of the contract or court order, and background information on principals. If your submission involves performance or payment bonds, provide project details, contract terms and owner information to speed review. First Choice works with carriers to place bonds efficiently; if you have an unusual exposure or complex project, flag it early so we can route the account to the appropriate market. Territories and admitted status Available in the following states: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TX, VA, WA, WI. Admitted availability varies by state and bond type—some bonds may be written on admitted paper in certain states and non-admitted in others. Contact First Choice for state-specific placement options. Why place this business with First Choice Insurance Intermediaries, Inc. Wholesale broker access—multiple carrier relationships for flexible placement options Experienced in both commonplace commercial bonds and niche fiduciary obligations Focused support for agents: clear underwriting checklists and help with documentation to reduce turnaround time If you have a bond submission, prepare the basic documentation outlined above and contact your First Choice wholesaler to discuss appetite, turnaround and any state-specific requirements. Frequently Asked Questions What types of accounts are a good fit for this Surety & Fiduciary Bond program?Good fits include contractors needing bid/performance/payment bonds, individuals required to post probate or fiduciary bonds, notaries and businesses needing license or fidelity coverage, and service providers requiring dishonesty bonds. First Choice focuses on small- to mid-size commercial accounts and common public official obligations. Which states are supported and is coverage admitted?The program is available in AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TX, VA, WA and WI. Admitted vs. non-admitted availability depends on the bond type and carrier—ask First Choice for state-specific options on each submission. What documentation should I include with a submission?Provide a completed bond application, contract or court order (if applicable), owner/obligee information, and financial statements or references when requested. For contractors, include project dollar values, contract terms and owner contact details to speed underwriting. 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.

Program Overview from Novatae Risk Group Novatae Risk Group offers a focused USL&H - Marine Workers Comp program to help agents place challenging and specialty marine accounts. Whether your client works on vessels, on piers, or onshore adjacent to navigable waters, this program delivers workers’ compensation solutions tailored to maritime and waterfront exposures. Novatae places business with several top-rated carriers (markets as high as AXV by A.M. Best) and provides access to both admitted and non-admitted markets. Ideal Accounts and Appetite This program is built for businesses that require USL&H coverage — from clean-mod operations to accounts with elevated experience mods or prior lapses. Novatae will consider a wide range of marine and waterfront class codes and is comfortable underwriting risks that don’t fit standard markets. Targeted Industries Include: Boat service and repair contractors Fishermen and fishing tour operators Scuba diving trainers and ski rental operators Marina operators and shipbuilders Bridge builders and painters Dock, pier, and marine construction contractors Offshore oil and platform workers Artisan, Trade, and Service Contractors That May Need USL&H: Electricians, painters, and carpenters working over, from, or adjacent to navigable waters Crane installation and repair crews Engine and refrigeration repair technicians HVAC and sheet metal contractors Wallboard installers and concrete workers operating on marine projects Ship cleaning and passenger vessel operations Program Highlights Multiple carrier options — flexibility to place difficult risks Aggressive pricing strategies when appropriate Broad acceptance of class codes and unique marine exposures First-dollar coverage options available Loss-sensitive and high-deductible plan structures Monthly payroll reporting available Not a PEO — this is a traditional workers' compensation program Underwriting Notes and Minimum Premiums Minimum premiums typically start at $10,000 in most states. Novatae evaluates accounts with elevated X-mods and does not automatically decline risks with prior lapses in coverage. Final terms depend on class mix, payroll, loss history, and project details. Territory and Market Access The USL&H - Marine Workers Comp program is available in most U.S. states, including coastal and inland regions: 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. Why Work With Novatae Risk Group As a Managing General Underwriter and E&S broker, Novatae combines niche underwriting expertise with market access for marine and USL&H exposures. Their team focuses on practical placement solutions for accounts that are difficult to place in standard markets and works with agents to structure terms that balance coverage and cost. You might bring Novatae a marina with on-site repair operations and mixed class codes, or a contractor performing bridge work over navigable waters — both are the sort of accounts this program targets. Novatae’s flexibility and carrier relationships make it a strong option when traditional markets say no. Frequently Asked Questions What types of accounts are a good fit for this USL&H program?This program suits marine-related businesses such as boat repair contractors, marina operators, offshore oil workers, and artisan contractors who work on or adjacent to navigable waters. Can I submit accounts with a high experience mod or no prior coverage?Yes. Novatae accepts accounts with high X-mods and is open to risks with lapsed or no prior coverage, subject to underwriting review of the total risk profile. Is this a PEO solution?No. This is a traditional workers' compensation program (not a PEO). Policies are issued through admitted and non-admitted carriers with direct coverage for insureds. What is the minimum premium for this program?Minimum premiums generally start at $10,000 in most states. Actual pricing will vary based on class codes, payroll, loss history, and selected coverage options. In which states is the program available?The program is available in most U.S. states, including coastal and inland regions. See the territory list above for specific states. 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.