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https://completemarkets.com/company/novatae/plumbers-workers-compensation/
Novatae Risk Group offers a dedicated Plumbers Workers Compensation Insurance program designed for independent agents and brokers placing plumbing contractors, service plumbers, and small plumbing firms. Our program pairs targeted underwriting with broad state availability to help you secure workers compensation solutions for your plumbing clients quickly and competitively.
To discuss a specific account or get a quote, call 800-758-8113 or email
[email protected] to reach an experienced underwriter.
Overview of the Program
This plumbers workers compensation program is underwritten for plumbing contractors and related trades. It is intended for accounts that benefit from disciplined underwriting, risk-management support, and flexible placement options across multiple jurisdictions. Novatae Risk Group administers this program to streamline placement, provide fast turnarounds on completed submissions, and help you deliver stable, market-appropriate coverage to your clients.
Ideal Accounts and Appetite
Target: plumbing contractors, service plumbers, multi-trade contractors where plumbing is the primary exposure, and small to mid-size plumbing shops.
Preferred: accounts with standard payrolls and predictable loss histories, contractors with established safety programs.
May consider: accounts with moderate-large single losses if adequately documented and mitigated.
Not a fit: highly volatile or non-compliant operations, accounts with unresolved catastrophic exposure without corrective plans.
Coverage Highlights and Advantages
Program tailored specifically for plumbing exposures and related classifications.
Competitive pricing and broad market access — carriers vary by state and account characteristics.
Fast quote turnaround when you provide a completed submission package.
Dedicated underwriting support for placement and loss-control recommendations.
Commission structure and other producer terms are available on request; see program highlights for current guidance.
Underwriting Notes and Minimum Premiums
The program has a minimum premium requirement of $7,500. Underwriting decisions are based on payroll, class codes, loss history, safety practices, and occupational exposures typical to plumbing work. Provide full details on any large or unusual losses to avoid delays. The program offers admitted and non-admitted placement options depending on the state and account profile.
Territories and Availability
Coverage is available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, WV. Availability and market options can vary by state and account characteristics.
Submissions
Acord 130
3 Years Loss Runs
Supplemental Questionnaire
Details on Large Losses
Why Work With Novatae Risk Group on Plumbers WC
Novatae Risk Group combines program underwriting expertise with E&S broking capabilities to place plumbing workers compensation accounts that need specialized attention. You benefit from a focused appetite for plumbing trades, rapid response on completed submissions, and access to multiple carriers to fit different risk profiles. Our team works with you to identify loss-control improvements and to present clean, well-documented submissions that improve placement outcomes.
Ready to submit? Send your complete submission to
[email protected] or call 800-758-8113 to speak to an underwriter about coverage options and turnaround expectations.
Frequently Asked Questions
What types of plumbing accounts are a good fit for this program?Service plumbers, residential and commercial plumbing contractors, and small-to-mid-size plumbing shops with documented payrolls and standard loss histories fit best. Multi-trade contractors where plumbing is the primary exposure are also appropriate.
What is the minimum premium and are there placement restrictions?The program's minimum premium is $7,500. Placement options and admitted vs. non-admitted availability depend on the state and the account profile; contact underwriting for specific state guidance.
What information speeds the quoting process?Provide a completed Acord 130, three years of loss runs, the supplemental questionnaire, and details on any large losses. Complete submissions receive faster turnarounds.
Which states are available through this program?Coverage is available in 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. Market options may vary by state.
Who do I contact with questions or to submit?Send submissions or questions to
[email protected] or call 800-758-8113 to speak with an underwriter about your plumbers workers compensation accounts.
Need help placing an account? Connect with a market specialist.