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Cochrane & Company's Specialty Auto Insurance helps agents place not-for-hire commercial auto exposures for businesses that operate primarily within a 300-mile radius. This program is designed for companies that need flexible liability and physical damage solutions for work vehicles that are not used for for-hire haulage. Target classes — Eligible exposures Catering businesses Farms and dairies Household goods movers (local) Wholesale and retail delivery Food delivery (non-pizza operations) Mobile businesses and couriers Magazine and newspaper distributors Armored cars Manufacturing businesses Ready-mix operations (cement mixers, concrete pumpers) Funeral operations Vacuum trucks and street sweepers Contractors, cranes and boom trucks Not eligible Hazardous materials carriers (incidental household products such as spray paint, cleaners, batteries are acceptable) Petroleum-based product haulers (refer to petroleum marketer programs) For-hire, revenue-generating trucking units (refer to trucking programs) Pizza delivery operations Triple trailers, end-dump or side-dump trailers Regulated medical or biohazardous waste Mobile-home toters Any risk hauling logs Student drivers or risks allowing nonemployee passengers Underwriting requirements Loss history for current and prior three policy years Complete VINs for all power units Complete drivers’ roster (all drivers must have acceptable MVRs) Coverage features include: Automobile liability limits up to $5 million Uninsured/underinsured motorist, medical payments and personal injury protection Physical damage for schedules of vehicles Motor truck cargo / inland marine options Multi-line discounts when you package other business lines Overview — Cochrane & Company Specialty Auto Insurance This program is offered by Cochrane & Company through multiple carriers and is positioned to serve agents who need admitted and excess & surplus solutions for specialty commercial auto risks. As a Managing General Agency and Excess & Surplus lines broker, Cochrane provides underwriting access, flexible reporting options, and tailored terms for niche local fleets and specialty operations. Ideal accounts and appetite Agents should consider this program for local businesses that operate their own not-for-hire vehicles. Typical clients include local delivery fleets, contractors with work trucks, ready-mix operators, and service businesses that operate within a regional footprint. The program favors operations with disciplined driver selection, good maintenance programs, and stable loss histories. Example scenarios: You have a regional catering company with 10 refrigerated vans that deliver to events within a 200-mile radius — eligible for liability and physical damage coverage. A concrete supplier runs mixers and concrete pumpers locally and needs limits above standard commercial auto offerings — this program can provide higher liability limits and cargo options. Coverage highlights and advantages Higher liability limits (up to $5M) for operations with elevated exposure. Broad coverages including UM/UIM, PIP/Med pay, and comprehensive/ collision where appropriate. Motor truck cargo / inland marine options for legal-liability exposure on local hauls. Flexible reporting basis (mileage, gross receipts, per vehicle, or total insured value) to match how your insureds operate. Multi-line discounts available when you place additional business through the same carrier relationships. Underwriting notes and minimum premiums Underwriters require complete VINs for power units, a full drivers’ list with acceptable MVRs, and loss runs for the current and prior three years. The program does not generally accept risks that allow nonemployee passengers, student drivers, or operations hauling hazardous or regulated waste. Minimum premium: Varies by state, exposure and carrier. Reporting capabilities Cochrane offers real-time, flexible reporting options to fit your clients’ operations. Available line/coverage reporting bases include: Commercial Auto — Liability (including PIP, UM/UIM, Med pay), Physical Damage, Hired Auto, Trailer Interchange Inland Marine — Motor Truck Cargo (Legal Liability Reporting Form) Reporting basis options — Mileage, Gross Receipts, Per Vehicle, Total Insured Value Territories and availability States available: AK, AZ, CA, CO, ID, MT, NV, NM, ND, OR, SD, UT, WA, WY. Admitted status: Most Available Markets. Carriers: Multiple Carries. Cochrane places business across admitted and non-admitted markets as appropriate for the risk. Why work with Cochrane & Company on Specialty Auto Program-level underwriting expertise for specialty, regional fleets and unique not-for-hire operations. Access to multiple carriers and flexible reporting structures to match book-of-business needs. Hands-on submission guidance — the underwriting checklist above helps speed placement and reduce follow-ups. Contact Cochrane & Company today to place Specialty Auto Insurance risks through this program. Frequently Asked Questions What types of accounts are a good fit for this Specialty Auto program?Accounts that operate not-for-hire vehicles within a roughly 300-mile radius and have stable driver programs are a good fit — examples include local delivery fleets, contractors, ready-mix operators, and service businesses with owned work vehicles. What underwriting information does Cochrane require with a submission?Provide loss runs for the current and prior three years, complete VINs for all power units, and a full drivers’ list with acceptable MVRs. Clear documentation of vehicle use and mileage or receipts helps select the correct reporting basis. Are motor truck cargo and inland marine coverages available?Yes. Motor truck cargo (legal liability) options are available through the program and can be reported using mileage, gross receipts, per vehicle, or total insured value—depending on the exposure. Need help placing an account? Connect with a market specialist.

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.

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.

Empire Underwriters, in partnership with an “A” rated carrier, offers a specialized Non-Standard Workers’ Compensation program for swimming pool and spa contractors that is distributed through Novatae Risk Group. This program is built for accounts that sit outside the appetite of the standard market — giving agents a practical market for hard-to-place clients. The program targets accounts with underwriting complications such as elevated experience modification rates, prior coverage lapses, non-renewals, adverse loss histories, or difficult class codes. If a client is being steered toward an assigned risk pool or has been declined by standard carriers, this program provides competitive coverage and flexible, cash-flow-friendly options to keep the business working. Ideal Accounts and Appetite Swimming pool and spa contractors with elevated experience modification factors (X-Mods typically from 1.30 to 3.0) Accounts non-renewed or cancelled for losses or class of business Clients exiting state funds, assigned risk pools, or similar plans New ventures with no prior coverage but challenging class codes Accounts with adverse underwriting factors or prior claims history Multi-state exposures or hard-to-place governing class codes Example: you might have a client who installs residential and commercial pools across multiple states, has a recent lapse in coverage and prior claims over $20,000. This program is designed to handle exactly that type of complex, higher-risk account. Coverage Highlights and Advantages Pay-As-You-Go Workers’ Comp to improve client cash flow No premium deposit and no traditional payroll audits required HR support services including COBRA, garnishments, unemployment claims, and more Full payroll services with tax filings (941s, W-2s) — or client option to issue payroll in-house Flexible placement options: ASO (non-PEO) or full PEO/employee leasing Loss control and risk management resources targeted to pool contractors Ongoing coverage that remains in force until cancelled Aggressive and fair claims management focused on early return-to-work Underwriting Notes and Submission Requirements Submissions must meet at least one of the eligibility criteria above. Accounts that are merely shopping for a lower rate or have active offers from standard markets typically are not eligible for this non-standard PEO division. Provide the following to submit an account: ACORD 130 Class-specific supplemental application (available on our website) Three years of loss history Loss history affidavit for accounts with a lapse or no prior coverage Explanation for any claims exceeding $20,000 Experience modification worksheet Territories and Availability This program is available in most states, including CA, TX, FL, NY, GA, NC, AZ, and IL. Coverage availability, admitted vs. non-admitted placement, and specific terms vary by state and by account details. Why Work With Novatae Risk Group and Empire Underwriters? Novatae Risk Group, as a Managing General Underwriter and Excess & Surplus Lines Broker, gives agents access to Empire Underwriters’ experience placing hard-to-place Workers’ Compensation risks. You’ll benefit from focused underwriting, responsive service, unique market access, and tailored solutions for swimming pool and spa contractors. We work to turn difficult placement situations into placed accounts. Need a quote for your Swimming Pool Contractor account? 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?Swimming pool and spa contractors with high X-Mods, prior coverage lapses, large claims, or those exiting assigned risk pools are the primary candidates for this program. Is prior coverage required for submission?No. Accounts with no prior coverage may be eligible if they meet one or more of the underwriting criteria listed for the program. What documents are needed to submit an account?You’ll need an ACORD 130, the class-specific supplemental application, three years of loss history, an experience mod worksheet, and any required affidavits or claim explanations for large losses. Can clients handle their own payroll checks?Yes. Clients can choose to run payroll in-house, or they can use the full payroll and HR services included in the program. In which states is this program available?The program is available in most states, including CA, TX, FL, NY, GA, NC, and others. Availability and placement (admitted vs. non-admitted) depend on 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.

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.

Painting contractors may not be responsible for a building’s structure, but their work directly affects its appearance and value. Even with good safety practices, painting jobs can generate costly workers’ compensation claims — particularly for accounts that are difficult to place. Novatae Risk Group offers a specialized Non-Standard Workers Comp Insurance program tailored to painting contractors, including high-risk, previously declined, or otherwise non-standard accounts. Offered through our partnership with Empire Underwriters, this program addresses the needs of non-standard risks — from contractors with elevated experience modification factors to those turned away by the standard market. If your client has had coverage lapses, adverse loss history, or is transitioning off a state fund or assigned risk pool, Novatae helps you move the account quickly and efficiently. Program Highlights Pay-As-You-Go workers’ comp to lower up-front cash requirements No premium deposit required No premium audits, simplifying administration Improved client cash flow and predictable premiums Proactive loss control and risk management resources Efficient, fair claims handling HR support services (unemployment claims, garnishments, COBRA, etc.) Full-service payroll with tax remittance and compliance (941s, W-2s) Option for clients to issue payroll checks in-house ASO (Administrative Services Only) and Non-PEO options PEO / employee leasing option also available High-retention product with continuous coverage until canceled Ideal Accounts and Underwriting Appetite Painting contractors exiting state funds or assigned risk pools Accounts non-renewed or canceled by standard carriers for high exposure or prior losses (X-Mods between 1.3 and 3.0) Clients with prior coverage but facing cancellation because of heavy losses Accounts with lapses in coverage or no prior insurance history Risks with tough class codes, challenging loss histories, or adverse underwriting profiles Accounts with manual rates from roughly $8 to $50+ and elevated X-Mods Submissions must meet at least one of these criteria to be considered for the PEO program. Accounts that have viable standard-market options or are simply rate-shopping are not appropriate for this product. Submission Requirements Completed ACORD 130 application Class-specific supplemental form (available on our website) Three years of loss history Loss History Affidavit for accounts with no prior or lapsed coverage Explanation for any claims exceeding $20,000 Experience Mod worksheet Territories and Market Access This program is available in most states (over 45), including AL, AK, AZ, CA, FL, GA, IL, NY, TX and many others. Markets and carriers vary by state, and we can place business in both admitted and non-admitted markets 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 combines deep underwriting expertise with wide market access to place challenging workers’ compensation risks. Our relationship with Empire Underwriters provides real underwriting authority, flexible options, and responsive service. We understand the exposures common to painting contractors — from ladder and scaffolding exposures to slip-and-fall and lead/chemical concerns — and deliver placement solutions that agents can rely on. Need a Non-Standard Workers Comp Insurance quote for a painting contractor? Send a submission to [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of painting contractor accounts are a good fit for this program?This program is ideal for accounts with prior losses, high experience mods, coverage lapses, or those exiting state funds or assigned risk pools. Is prior coverage required to qualify?No. Accounts with no prior coverage or a lapse in coverage may still be eligible if they meet other underwriting criteria. Can I submit risks from any state?The program is available in over 45 states. Please refer to the full list to confirm eligibility in your client’s location. What documentation is required to submit an account?You'll need an ACORD 130, class-specific supplemental form, three years of loss history, a loss affidavit (if applicable), and the experience mod worksheet. What makes Novatae Risk Group a strong partner for this coverage?Novatae offers deep underwriting expertise, access to both admitted and non-admitted markets, and a flexible program that addresses the unique needs of high-risk painting contractors. Need help placing an account? Connect with a market specialist.

Working with concrete carries distinct hazards — from slips, falls, and heavy equipment incidents to exposure to flying debris and repetitive-strain injuries. That combination of frequency and severity makes Workers Compensation essential for protecting your clients’ employees and the financial stability of their businesses. Novatae Risk Group offers the Concrete Contractors Workers Compensation Insurance Program through Empire Underwriters. The program is underwritten for concrete contractors and related high-hazard trades, and is structured to help brokers place difficult or unusual accounts confidently — including new ventures, multi-state operations, and distressed or hard-to-place risks. Ideal Accounts and Appetite: Experience MOD of 1.30 or greater High-hazard operations and tough-to-place classes Blue, gray, and white collar labor mixes Businesses participating in state pools or assigned risk funds Distressed, lapsed, cancelled, or non-renewed policies No prior coverage or new ventures are welcome Multi-state operations — a specialty area Complex or hard-to-place Workers Compensation risks If you represent a concrete contractor who has struggled to obtain coverage because of loss history, multi-state exposure, or operational complexity, this program is designed to provide underwriting flexibility and market access. Coverage Highlights and Advantages: Fast turnaround on quotes and submissions to help you meet deadlines Access to a panel of "A" rated carriers (varies by state) Standalone Workers Compensation placement — no bundled products required Multiple plan options: guaranteed cost, dividend, and retro programs High-deductible programs available to manage premium cost Custom account handling and tailored service for complex placements Integrated Workers Comp solutions to streamline quoting and binding These features are intended to give agents tools to place higher-risk concrete contractors while offering flexible program design to meet insureds’ operational needs. Underwriting Requirements and Minimum Premium: Completed ACORD 130 application 3–4 years of loss runs Details on any large or catastrophic losses Supplemental questionnaire specific to operations and exposures Minimum premium starts at $10,000. Providing complete loss histories and the supplemental questionnaire up front helps Novatae Risk Group assess difficult accounts more quickly and produce competitive responses. Available States and Market Positioning: This program is offered 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. Novatae places business across admitted and non-admitted markets; carrier availability varies by state. Why Work With Novatae Risk Group? As a managing general underwriter and Excess & Surplus Lines broker, Novatae Risk Group combines deep construction sector expertise with broad market access. Agents benefit from responsive underwriting, tailored program structures, and specialty placement capabilities for complex or challenged Workers Compensation risks. Novatae’s team focuses on practical solutions that help agents bind business quickly while addressing the specific exposures of concrete contractors — from field crews and finishers to multi-state contractors with diverse payroll mixes. Contact us at 800-758-8113 to speak with a broker about placing your Concrete Contractors Workers Compensation accounts. Need a Concrete Contractors Workers Compensation Insurance Quote? Send an email to [email protected] with your submission materials or call 800-758-8113 to speak with an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?Concrete contractors with high-hazard operations, elevated Experience MODs (around 1.30+), multi-state payrolls, or a history of lapses, cancellations, or difficult loss experience. Can you place new ventures or accounts with no prior coverage?Yes. New ventures and accounts without prior Workers Compensation history are eligible and considered by the program. What documents are required to submit an account?Provide a completed ACORD 130, 3–4 years of loss runs, the supplemental questionnaire, and details on any large losses to accelerate underwriting review. Are multi-state operations accepted?Yes. Multi-state exposures are a specialty for Novatae — the program handles payroll spread across multiple jurisdictions and will match accounts to appropriate carriers by state. What is the minimum premium for this Workers Comp program?The program’s minimum premium starts at $10,000, though final pricing depends on the account profile and state(s) of exposure. 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.