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Excavation contractors handle a wide variety of site tasks—site preparation, septic installation, drainage systems, land grading, road work and more. That range of operations creates significant liability exposure: hidden underground utilities can be struck, trenches can collapse, and heavy equipment can cause third-party injury or property damage. A single claim can lead to substantial financial loss and business interruption. Novatae Risk Group places a General Liability program specifically designed for excavation contractors through experienced underwriting partners. This program understands the unique risks of excavation work and provides a fast, reliable market for your excavation clients. Send your submissions and let our underwriting team evaluate how we can help place the account. Please contact us at 800-758-8113 to speak to our experienced brokers about your General Liability Insurance for Excavation Contractors accounts. Overview: A targeted General Liability program for small- to mid-size excavation contractors. The program is underwritten with excavation exposures in mind and aims to deliver broad, practical coverage for routine excavation, grading, trenching and related site work. Market Focus: This Excavation Contractors General Liability program is focused on small to medium contractors—typically those with annual payrolls under $1,000,000—performing commercial and residential excavation, trenching, grading and site preparation. Appetite: Commercial & residential excavation Commercial & residential trenching Backfill operations Commercial & residential grading Construction site preparation Grade and drain work Eligible Risks: New construction on residential and commercial projects, including single-family homes Repair or remodeling projects that include excavation, trenching, grading or site prep Accounts where 75% or more of exposure falls in approved class codes Ineligible Risks: New construction of condominiums, condominium conversions and townhouses (some exceptions may apply) Any structures or work greater than three stories (some exceptions may apply) Coverages Available: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate Subsidence coverage (with limitations) Prior Projects coverage (with limitations) Submission Requirements: Completed ACORD applications Currently valued loss runs for the past 3–5 years Program supplemental application Pollution — project specific application when applicable Do you need a General Liability Insurance quote for your excavation contractor account? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Underwriting Notes & Pricing: Minimum premium typically starts at $1,500. Underwriters will review class codes, payroll, experience modification, loss history and details of operations on each submission. Projects involving deep excavation, extensive shoring or unusual site conditions should be detailed in the submission to allow accurate risk assessment. Territories & Markets: 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. The program places business with admitted and non-admitted carriers up to A-XV ratings, giving brokers flexibility when admitted coverage is limited. Why Place Excavation Accounts with Novatae Risk Group Wholesale broker access to specialized GL capacity for excavation contractors. Underwriters who understand excavation exposures and practical coverage wording. Flexibility to place with admitted or non-admitted markets to fit client needs. Efficient submission handling and underwriting turnaround for competitive quoting. Example fits: You might have a small contractor who performs residential grading and septic installation seeking blanket additional insured and per-project aggregate; or a mid-sized company doing commercial site prep and trenching that needs primary/non-contributory wording for contractor agreements. Both are the kinds of accounts this program targets. Frequently Asked Questions What types of excavation accounts are a good fit for this program?The program targets small-to-medium excavation contractors performing commercial or residential excavation, trenching, grading, backfill and site preparation—typically accounts with annual payrolls under $1,000,000 and where approved class codes make up 75% or more of exposure. What coverages can I request on submissions?Common enhancements include blanket additional insured, waiver of subrogation, primary and non-contributory wording, per-project aggregate, and limited subsidence or prior projects coverage when eligible. Are there states where this program is not available?The program is available in most states listed on the storefront. Availability can vary by carrier and underwriting criteria—please send the submission details for state-specific consideration. What are the typical submission documents required?Provide ACORD applications, 3–5 years of currently valued loss runs, the program supplemental application, and a pollution/project specific application when the account involves potential pollution exposures. What is the typical minimum premium and how is pricing determined?Minimum premium generally starts around $1,500. Final pricing depends on payroll, class codes, EMR, loss history, project scope and requested limits/endorsements. Need help placing an account? Connect with a market specialist.

As an excavation contractor, your clients encounter significant jobsite hazards every time they break ground. From back strains and soft-tissue injuries to severe accidents involving heavy equipment, the exposures are real—and so is the need for dependable Workers Compensation. Novatae Risk Group, working with Empire’s specialized contractors team, offers a focused Excavation Workers Compensation Insurance Program to help you place this challenging class of business. This program is underwritten specifically for excavation and similar high-hazard operations. Whether a client is a start-up, has a history of large losses, or has been declined elsewhere, our underwriting team will evaluate submissions and craft appropriate solutions. We place business with many "A"-rated carriers and access both admitted and non-admitted markets depending on state and risk profile. Contact us at 800-758-8113 to speak with our brokers about Excavation Workers Compensation accounts. Ideal Accounts and Appetite: Experience MODs of 1.30 or greater High-hazard or hard-to-place classifications (excavation, trenching, site prep) Blue, gray, and white collar job types on the same payrolls Accounts currently in state pools or assigned risk funds Distressed, lapsed, or non-renewed accounts New ventures with no prior coverage Multi-state operations — we have market expertise here Other hard-to-place Workers Compensation risks Example fits: a regional excavation contractor with a recent large loss seeking a stable market solution; or a multi-state site-preparation firm moving out of a state fund and needing coordinated coverage across jurisdictions. Coverage Highlights and Advantages: Fast turnaround on quotes and binding for time-sensitive accounts Access to numerous "A"-rated carriers across admitted and E&S markets Standalone Workers Compensation placements tailored to operations Guaranteed cost, dividend, and retrospective (retro) plans available High-deductible and alternative cost-control options Integrated claim handling and custom program servicing Underwriting Requirements: Completed ACORD 130 application 3–4 years of loss runs Details on any large or open losses Supplemental questionnaire when applicable Minimum Premium and Availability: Minimum premium for the program starts at $10,000. We underwrite accounts in most states — including, but not limited to, CA, FL, TX, NY, and PA — and can place business nationwide depending on carrier appetite and the risk profile. Why Work with Novatae Risk Group? Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines Broker with deep experience placing tough Workers Compensation risks. We understand the underwriting and operational challenges brokers face when placing excavation accounts. With broad market access, flexible underwriting, and responsive service, we help you protect clients while keeping accounts competitive. Need an Excavation Workers Compensation quote? Email [email protected] with 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?The program fits excavation contractors with elevated MODs, prior large losses, new ventures, multi-state operations, or those who have been lapsed or non-renewed. It’s built for high-hazard and hard-to-place exposures. Can you help with clients in the state risk pool?Yes. We frequently move accounts out of state pools and into tailored Workers Compensation solutions using competitive admitted and non-admitted markets. What information do you need to get a quote?Provide a completed ACORD 130, 3–4 years of loss runs, details on any large or open losses, and a supplemental questionnaire if requested. Is the program available nationwide?Yes — the program is available in most states, including CA, TX, FL, and NY. We can write in all 50 states and DC depending on carrier availability and the specific risk details. Do you work with new ventures that have no prior coverage?Absolutely. We have markets that will consider start-ups in the excavation and site-work trades. Need help placing an account? Connect with a market specialist.

Excavation Insurance Program from Joseph Distel & Co. Inc. Joseph Distel & Co. Inc., through The Distel Group, offers a specialized Excavation Insurance program designed for excavation and land grading contractors operating with heavy equipment and operators. This program meets the unique property and liability needs of excavation businesses and is available on a monoline or package basis to provide flexible protection for your clients. Ideal Accounts and Appetite This program is tailored for contractors engaged in excavation and grading of land—particularly those working on private/commercial land development and site preparation. It is not designed for higher-risk operations such as: Public street or road construction Mining operations Installation or removal of underground tanks Landfill management Dam or tunnel construction Snow removal services If you have clients operating backhoes, trenchers, or bulldozers for site clearing or grading work, this program offers a smart market solution. Coverage Highlights and Advantages Property Coverage Options Include: Buildings Business Personal Property Business Income Broad, Basic, or Special Form Actual Cash Value or Replacement Cost Accounts Receivable Computer Equipment Contractor’s Equipment Equipment Breakdown Outside Signs Valuable Papers General Liability Coverage (CGL): Primary limits up to $3 million occurrence/aggregate $5,000 Medical Payments Coverage included $100 each for Additional Interests Excess or Umbrella limits up to $25 million Crime Coverage Options: Theft of Money and Securities Inside the Premises Robbery or Safe Burglary of Other Property on the Premises Theft Outside the Premises Underwriting Notes and Minimum Premiums A $1,000 minimum deductible applies to this program. The minimum premium starts at $750, making it accessible for small to mid-sized contractors. The program supports a broad range of property and liability exposures, but underwriting focuses on land-based excavation and grading with operator services. Territories and Market Access This program is available in the following New England states: Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont. Coverage is placed with a variety of carriers, with most options available on an admitted basis. Why Work with The Distel Group As a Managing General Agency and Excess & Surplus Lines Broker, The Distel Group offers deep expertise in construction-related risks. Their streamlined online quoting platform, Strategic Technologies & Agency Rating (STAR), enables you to get comparative quotes quickly and efficiently. Whether you're placing business for a startup excavation contractor or a well-established grading operation, you can rely on The Distel Group for responsive service and competitive market access. Use http://mgastar.com to get started with online quoting today, or contact The Distel Group directly to discuss your Excavation Insurance submissions. Frequently Asked Questions What types of accounts are a good fit for this Excavation Insurance program?This program is ideal for contractors specializing in excavation and grading of land with equipment and operators, particularly those involved in site prep and land development projects. What types of operations are excluded from this program?The program does not cover public road construction, mining, underground tank work, landfills, dam or tunnel construction, or snow removal services. Is the coverage available on an admitted basis?Most available markets for this program are on an admitted basis, depending on the specific risk and state. What is the minimum premium for this program?The minimum premium starts at $750, with a required $1,000 deductible for most accounts. In which states is this program available?Coverage is currently available in Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont. Need help placing an account? Connect with a market specialist.

Excavation & Grading of Land Insurance Program from Cochrane & Company Dig into new opportunities with Cochrane & Company's Excavation & Grading of Land Insurance program. Designed specifically for excavation and grading contractors operating with equipment, this program offers flexible coverage options on either a monoline or package basis. Whether your client is a small contractor or a larger excavation firm, Cochrane & Company provides tailored solutions to meet their unique risks and exposures. Ideal Accounts and Appetite This program is ideal for contractors engaged in site preparation, grading, trenching, and general excavation work. Target accounts include operators specializing in land clearing, grading for foundations, and utility trenching. Please note that this program is not intended for any of the following operations: Public street or road construction Mining operations Installation or removal of underground tanks Landfills Dam or tunnel construction Snow removal operations If you have clients working in general land excavation or site prep for residential or commercial development, they are likely a strong fit for this program. Coverage Highlights and Advantages Property Coverage: Building Business Personal Property Business Income Basic, Broad, or Special Form Replacement Cost or Actual Cash Value Accounts Receivable Computer Equipment Contractor's Equipment Outside Signs Valuable Papers Commercial General Liability: Primary limits up to $3 million occurrence/aggregate $5,000 Medical Payments Coverage – Included Additional Interests – $100 each Excess or Umbrella limits up to $25 million $1,000 minimum deductible required Crime Coverage: Coverage for theft of money and securities inside the premises Robbery or safe burglary of other property Coverage also available outside the premises Underwriting Notes and Minimum Premiums Minimum premiums vary depending on account size, operations, and coverage selected. A $1,000 deductible is required on liability coverages. Cochrane & Company underwrites each submission with attention to detail, ensuring appropriate coverage for each risk. Territories and Availability This program is available in the following states: AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Coverage is written on a non-admitted basis with access to a range of carriers. Why Work with Cochrane & Company? Cochrane & Company is a trusted Managing General Agency (MGA) with a deep understanding of contractor insurance needs. With access to multiple markets and a strong focus on excavation and grading contractors, they provide responsive service and flexible underwriting to help agents place hard-to-insure or niche risks confidently. Whether your client is grading land for residential development or performing trenching for utility installation, Cochrane & Company is ready to help you find the right solution. For more information about Excavation & Grading of Land Insurance, please feel free to contact us! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for contractors involved in land grading, site excavation, trenching, and site preparation services that do not involve public roads, underground tanks, or mining operations. Is this program available on an admitted basis?No, the Excavation & Grading of Land Insurance program is written on a non-admitted basis in all available states. Which states is this program available in?This program is offered in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Can I package property and liability coverages together?Yes, the program allows for both monoline and package policy structures, giving you flexibility to meet your client’s needs. What is the minimum deductible for liability coverage?The minimum deductible required for liability coverage is $1,000. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Grading of Land Insurance program designed for excavation and grading contractors who operate heavy equipment for site preparation. This program is ideal for contractors involved in grading and land development projects but excludes operations such as public street or road construction, mining, underground tank installation or removal, landfills, dams, tunnels, or snow removal activities. Ideal Accounts and Appetite This program is tailored for insureds engaged in site preparation, land grading, and excavation for private development projects. Typical clients include: Excavation contractors for residential and commercial developments Land grading operations for private infrastructure or construction pads Contractors using their own equipment and operators on site Accounts that involve public works projects, hazardous waste, or high-risk environmental exposures such as mining or landfill work are outside the appetite. Coverage Highlights and Advantages Property Coverage Options Include: Accounts Receivable Basic, Broad, or Special Form coverage Buildings and Business Personal Property Business Income and Extra Expense Computer Equipment Contractor’s Equipment Equipment Breakdown Outside Signs Replacement Cost or Actual Cash Value options Valuable Papers Commercial General Liability Coverage Includes: Primary limits up to $3 million per occurrence/aggregate $5,000 Medical Payments coverage included Additional Interests for $100 each Excess or Umbrella limits available up to $25 million $1,000 minimum deductible required Crime Coverage Available: Theft of Money and Securities – Inside the Premises Robbery or Safe Burglary of Other Property – Inside the Premises Losses Occurring Outside the Premises Underwriting Notes and Minimum Premiums Underwriting focuses on private grading contractors with a clean loss history and proper operator training. A minimum deductible of $1,000 is required. Premiums are competitive and based on scope of operations, equipment values, and prior history. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability may vary depending on the specific account and carrier appetite. Some markets are admitted; others may be non-admitted depending on the risk and jurisdiction. Why Work With Colonial General Insurance Agency, Inc.? Colonial General is a trusted Managing General Agency and Excess & Surplus Lines Broker with access to a range of markets for specialized contractor risks. Their team understands the unique exposures of grading and excavation operations and offers flexible underwriting solutions tailored to your clients’ needs. With responsive service and a focus on niche contractor classes, Colonial General helps agents place hard-to-insure risks efficiently. Whether you're working with a small grading contractor developing residential lots or a mid-size excavation firm preparing commercial sites, Colonial General can help you find the right insurance solution. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for contractors involved in land grading, excavation, and site preparation for private development projects. Risks involving public works, mining, or hazardous operations are not eligible. Is this program available on an admitted basis?Some markets are admitted in certain states, while others are non-admitted. Availability depends on the specific risk and jurisdiction. What limits are available for liability coverage?Primary general liability limits up to $3 million occurrence/aggregate are available, with excess or umbrella limits up to $25 million. Which states is this program offered in?The program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Are equipment and tools covered under this program?Yes, contractor’s equipment can be scheduled under the property coverage, including options for replacement cost or actual cash value. Need help placing an account? Connect with a market specialist.

CIS – Construction Insurance Solutions EASY & FAST Insurance Solution for Land Improvement Contractors General Liability & Umbrella Insurance Program Overview from Norman-Spencer Agency The Norman-Spencer Agency offers a specialized General Liability and Umbrella program under its Construction Insurance Solutions (CIS) platform, tailored for Land Improvement Contractors. This program provides streamlined access to essential coverages for contractors involved in excavation, irrigation, land grading, drainage, terracing, and other land movement and improvement services. Many of these contractors operate in rural or remote areas and often transition from agricultural backgrounds into land improvement work. The CIS program is designed to understand and meet the unique risks and operational needs of these small to mid-sized contractors who often work with expensive heavy equipment. Ideal Accounts and Appetite This program is a great fit for: Independent land improvement contractors performing excavation, drainage, or irrigation system construction Contractors working on both commercial and residential projects Small to mid-sized operators with significant equipment investments Those located in states with higher litigation exposure (available in most U.S. states) You might have a client who transitioned from farming into excavation and now needs broader liability coverage for grading and drainage jobs—they’d be an ideal candidate for this program. Coverage Highlights and Advantages A+ rated carrier General Liability: $1M per occurrence / $2M aggregate $1M Products Aggregate $50K Fire Damage Legal Liability $5K Medical Expense $2,500 minimum property damage deductible per occurrence Special Coverage Extensions Available: Blanket Additional Insureds and Waivers Per Job Aggregate limits Employer’s Benefits Liability Labor Reimbursement Limited Worksite Pollution Liability Umbrella limits up to $25 million (quote required) Underwriting Requirements To submit a risk for consideration, please provide the following: Completed ACORD applications Signed supplemental application from insured and agent 3–5 years of currently valued loss runs with details on losses above $10K 2-year job list Expiring declarations and rating worksheet Territories and Availability This program is available in all U.S. states except Hawaii. Business in Illinois and New York is considered on a referral basis. Coverage is written on a non-admitted basis through a national XV+ rated carrier, making it suitable for unique or hard-to-place accounts. Why Work With Norman-Spencer Agency? Norman-Spencer brings deep expertise in the construction industry with a focus on niche contractor segments. Through the CIS platform, agents gain access to tailored coverage options, responsive underwriting, and markets that understand contractor exposures. Whether your client is a land improvement specialist or a general artisan contractor, Norman-Spencer can help you compete and win business in a highly competitive marketplace. Explore our full range of insurance programs at www.norman-spencer.com Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for land improvement contractors engaged in excavation, drainage, irrigation, and land grading work, especially those operating in rural or remote areas. Is this coverage available in all states?Yes, it is available in all U.S. states except Hawaii. Business in Illinois and New York is accepted on a referral basis. What coverage limits are offered through this program?The General Liability limits include $1 million per occurrence and $2 million aggregate, with options for Excess/Umbrella coverage up to $25 million. What underwriting information is required for submission?Submissions must include signed ACORD and supplemental applications, 3–5 years of loss runs, a 2-year job list, and expiring policy documents. Can this program cover other contractor types?Yes, the CIS program also supports classes such as concrete, electrical, fire suppression, HVAC, landscaping, roofing, and more. Need help placing an account? Connect with a market specialist.

Septic tank contractors face unique liability exposures due to the nature of their work—often involving excavation, environmental risks, and specialized equipment. Novatae Risk Group offers a tailored General Liability Insurance program specifically designed to address the needs of small to mid-size septic tank contractors. Through our partnership with Empire Underwriters and a top-rated "A" carrier, we deliver a market that understands the real risks your clients face and offers meaningful protection at competitive pricing. Whether your client installs new septic systems or performs ongoing service and repairs, we provide access to coverage options that support their business operations and satisfy contractual requirements. Our streamlined submission process and experienced brokers make it easy for you to secure coverage that fits. Ideal Accounts and Appetite This program is designed for septic tank contractors with annual payrolls under $1,000,000. We have a strong appetite for: Septic tank installation (residential and light commercial) Septic system service and repair Eligible risks include new construction and remodeling projects for both residential and commercial properties, including single-family homes. We are not a market for new construction of condominiums, townhouses, or buildings over three stories—except in limited cases. Coverage Highlights and Advantages Blanket Additional Insured endorsements Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate limits Subsidence coverage (with limitations) Prior Projects coverage (with limitations) These coverage features help your septic tank contractor clients meet the requirements of general contractors, municipalities, and private property owners—while giving them peace of mind against costly liability claims. Underwriting Requirements and Minimum Premium Completed ACORD Applications 3–5 years of currently valued loss runs Supplemental Application Pollution – Project Specific Application Minimum premium starts at $1,500, depending on risk characteristics and state-specific factors. We write on both admitted and non-admitted paper, using carriers rated as high as A-XV. Available States This septic tank contractor liability program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, and WV. Why Work With Novatae Risk Group? As a trusted wholesale broker, Novatae Risk Group connects agents and brokers to specialized insurance solutions. With 30+ years of experience through Empire Underwriters and access to top-tier carriers, we bring deep industry insight and responsive service to every account. Our team understands the unique risks septic tank contractors face—and how to craft coverage that meets both underwriting guidelines and your client’s operational needs. Ready to quote? Send submissions to [email protected] or call 800-758-8113 to speak with our broker team directly. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-size septic tank contractors involved in installation, repair, or maintenance, with annual payrolls under $1,000,000. What are some common ineligible risks?We typically do not write new construction for condominiums, townhouse projects, or structures over three stories, except in limited cases. Is this program available on admitted paper?Yes, we offer both admitted and non-admitted options through carriers rated as high as A-XV, depending on the state and risk profile. What states is this program available in?We offer coverage in 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. What is the minimum premium?The minimum premium for eligible accounts starts at $1,500, subject to underwriting and state-specific factors. Need help placing an account? Connect with a market specialist.

Land and site preparation contractors face some of the most hazardous conditions in construction. Heavy equipment, uneven terrain, excavation, and grading increase the likelihood of falls, equipment-related injuries, and strains. Even with strong safety programs, a single large loss or a history of frequent claims can make Workers Compensation difficult or expensive to place—putting your clients at risk of financial and operational disruption. Novatae Risk Group, through its Empire Underwriters team, offers a focused Land and Site Preparation Workers Compensation Insurance program to help agents and brokers place hard-to-place or high-hazard accounts. With more than 30 years of underwriting experience, our team prioritizes returning injured workers to productive duty quickly while working with you to manage loss experience and stabilize premiums. Ideal Accounts and Appetite MODs of 1.30 or greater High-hazard and tough-to-place class codes (excavation, grading, site preparation) Blue-, gray-, and white-collar workforces on the same payroll Accounts in state pools or assigned risk funds Distressed, lapsed, cancelled, or non-renewed policies New ventures with no prior coverage Multi-state operations (a specialty for our team) Clients with recent large losses or cancellation history Example fits: you might have a regional grading contractor with a 1.6 MOD and a recent large claim seeking a stable market, or a multi-state excavation contractor just starting up that needs admitted and non-admitted options across jurisdictions. If a client performs excavation, grading, trenching, or related site prep—even with adverse history—we can help place the account. Coverage Highlights and Advantages Access to multiple “A”-rated admitted carriers and E&S markets where appropriate Stand-alone Workers Compensation policies tailored to site-prep exposures Flexible plan structures: guaranteed cost, retrospective (retro), and dividend plans Integrated loss control and claims strategies to improve outcomes and drive down experience mod High-deductible options for larger accounts to manage premium cost Customized account handling, fast turnaround, and responsive underwriting Our underwriting approach combines market access with loss-control support so you can offer competitive options while helping clients reduce future claims severity. Underwriting Requirements and Minimum Premiums Completed ACORD 130 3–4 years of currently valued loss runs Details for any large or catastrophic losses Supplemental program questionnaire (as requested) Minimum premium for this program is $10,000. Submissions are evaluated case-by-case to match the account with the strongest carrier fit by state and structure. Territories and Carrier Access This program is available in most states. Primary territories include 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. We place accounts with a variety of carriers depending on state rules and account profile, offering both admitted and non-admitted solutions as needed. Why Partner With Novatae Risk Group Novatae Risk Group combines deep specialty Workers Compensation expertise with market relationships and practical loss-control resources. Our Empire Underwriters team focuses on hard-to-place land and site preparation risks—helping you secure quotes quickly, structure effective programs, and support clients after a loss. Call us at 800-758-8113 or email [email protected] to discuss your next submission. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?This program is best for land and site preparation contractors with high MODs, adverse loss history, or difficult class codes. New ventures and multi-state operations are also within our appetite. Can I submit an account with a recent lapse in coverage?Yes. We accept lapsed, cancelled, and non-renewed exposures—provide full loss history and details about prior coverage issues to speed review. Are multi-state risks eligible for this program?Yes. Multi-state exposures are a specialty for our underwriters; we can coordinate admitted and non-admitted placements across jurisdictions. What is the turnaround time for quotes?Turnaround is typically quick when submissions include complete documentation. Supplying ACORD 130 and current loss runs up front helps expedite the process. Do you offer coverage through admitted carriers?Yes. We work with both admitted and non-admitted markets and will place the account in the best market available for the state and risk profile. Need help placing an account? Connect with a market specialist.

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Monarch Partners Group LLC (MPG) has been delivering specialized workers' compensation solutions to agents and brokers nationwide for over 25 years. As a seasoned program administrator, MPG focuses on high-risk and hard-to-place industries, with a strong emphasis on the construction sector. Construction companies often face challenges due to higher cost class codes, elevated experience mods (Xmods), and large premium requirements. MPG is uniquely positioned to help you place these complex accounts through innovative programs that offer flexibility, competitive pricing, and broad underwriting expertise. Ideal Accounts and Appetite MPG’s Construction Workers' Compensation Insurance program is ideal for: High-risk construction businesses with premiums of $50,000 or more Accounts with high debit Xmods or adverse loss histories New ventures or operations with prior coverage lapses Clients exiting or not utilizing PEO services Common examples include roofing contractors, framing crews, excavation companies, and general contractors with multi-state operations. If you have a distressed risk with a complex claims history or a higher-than-average Xmod, MPG can help you find the right fit. Coverage Highlights and Program Features One of MPG’s most sought-after offerings is the Payroll Opt-out Work Comp Program (POWC). Designed for larger construction accounts with a minimum premium of $100,000, this program allows insureds to: Participate in a master workers' compensation policy Opt out of payroll and tax processing services Handle payroll internally using their own systems and bank accounts Pay premiums on a pay-as-you-go basis for improved cash flow Avoid year-end premium audits The POWC structure can result in favorable Xmods, better overall pricing, and included risk management services—all without the administrative burden of traditional models. Additional Program Benefits Access to “A” rated carriers All states coverage available Broad class code acceptance Quick quote turnaround In-house underwriting capabilities Tailored risk management services Options for guaranteed cost or deductible programs HR, payroll processing, and payroll funding available when needed There are no Xmod or loss ratio restrictions, and midterm enrollments and coverage lapses are acceptable—providing greater flexibility for agents working with distressed accounts. Underwriting Notes and Submission Requirements To get started, submit the following: ACORD 130 Three years of currently valued loss runs (preferably summarized) Current policy declaration and rating pages (or PEO rate/code info) Current Xmod sheet Any relevant information to help assess the risk Territories and Availability This program is available in most states, including but not limited to: CA, TX, FL, NY, GA, IL, PA, and AZ. MPG offers national reach with state-specific underwriting flexibility to help you place accounts across a wide range of jurisdictions. Why Work With Monarch Partners Group? MPG brings decades of experience in the workers' compensation space, particularly in high-risk segments like construction. With access to multiple markets, in-house underwriting, and flexible program structures, MPG is an ideal partner for agents and brokers seeking to place challenging or complex WC accounts. Whether you’re looking to help a contractor with a poor claims history or seeking better pricing for a large operation, MPG’s tailored solutions and responsive service can help you deliver value to your clients. Frequently Asked Questions What types of construction risks are a good fit for this program?High-risk construction classes such as roofing, framing, excavation, and general contracting with premiums over $50,000 are ideal. Accounts with high Xmods or prior losses are also considered. What is the minimum premium requirement for the POWC program?The Payroll Opt-out Work Comp Program requires a minimum premium of $100,000. Can clients keep their own payroll systems with this program?Yes. The POWC program allows clients to opt out of payroll and tax services, letting them use their own systems and bank accounts while still benefiting from favorable WC program terms. Is this program available in all states?Yes, coverage is available in most states nationwide. MPG supports placements across all major jurisdictions. Are new ventures or clients with coverage gaps eligible?Yes. MPG considers new ventures and accounts with prior lapses or midterm submissions, offering flexibility for hard-to-place risks. Need help placing an account? Connect with a market specialist.