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Manufacturing operations carry a distinct set of risks—especially for Workers Compensation. Novatae Risk Group understands those complexities and offers a Manufacturing Workers Compensation Insurance program tailored for high-hazard and hard-to-place manufacturing accounts. Through our partnership with Empire Underwriters, we help brokers and agents place Workers Compensation coverage for a broad range of manufacturing classes. We work with manufacturers of plastics, metals, food products, industrial equipment, and more. Whether your client is a startup, has a high MOD, or has been declined elsewhere, our team has the underwriting experience and market access to pursue the right solution. Ideal Accounts and Appetite MOD 1.30 or greater High-hazard manufacturing classes Blue, gray, and white collar operations State fund or assigned risk pool accounts Accounts with lapses in coverage, cancellations, or non-renewals Startups and new ventures Multi-state operations Hard-to-place Workers Compensation risks If you have a manufacturing client with a challenging Workers Compensation history or a complex operations profile, we want to see it. For example, you might have a metal fabrication shop with prior large losses or a commercial bakery expanding into multiple states—both are strong candidates for this program. Coverage Highlights and Advantages Fast quote turnaround to keep placements moving Access to multiple "A"-rated carriers (varies by state) Stand-alone Workers Compensation policies Guaranteed cost, dividend, and retro-rated plan options High-deductible structures available Integrated, customized account handling and advocacy We focus on flexible, market-driven solutions. Whether the client prefers a traditional guaranteed cost policy or a high-deductible program, we’ll help structure the coverage to match the risk and budget. Underwriting Notes and Submission Requirements Minimum premium: $10,000 ACORD 130 application 3–4 years of loss runs Details on any large losses Completed supplemental questionnaire Including these documents with your submission will expedite review. Our underwriters evaluate each account promptly and will work with you on reasonable risk-management strategies when appropriate. States and Availability This 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. Market availability and carrier options may vary by state. We offer both admitted and non-admitted solutions depending on the risk and jurisdiction. Why Work With Novatae Risk Group? With more than 30 years of experience in the manufacturing sector, Novatae Risk Group and our partners know how to place complex Workers Compensation risks. We combine underwriting expertise, strong carrier relationships, and responsive service to help you place difficult accounts and deliver competitive terms to your clients. Need a quote for a manufacturing client? Email your submission to [email protected] or call us at 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of manufacturing businesses are eligible for this program?We can accommodate a wide range of manufacturers, including plastics, metals, food processing, industrial equipment, and similar sectors—especially those viewed as high hazard or hard to place. Can you help with accounts that have been cancelled or non-renewed?Yes. The program is designed to handle distressed and difficult accounts, including those that have been cancelled, non-renewed, or lack prior coverage. Is this program available for new ventures?Yes. We accept startup manufacturing businesses and new ventures, even if they have limited or no Workers Compensation history. What documents are required to submit a risk?Provide a completed ACORD 130, 3–4 years of loss runs, details on any large losses, and the supplemental questionnaire to start the underwriting review. Which states is this program available in?The program is available in most U.S. states. Carrier options and admitted status vary by state, so contact us to confirm market availability for your client's location. Need help placing an account? Connect with a market specialist.

Novatae Risk Group offers a focused Mineral Milling Workers Compensation Insurance program tailored for employers who operate mineral milling facilities. We understand that costs can be significant and exposures vary with operation size and staffing — from management and runners to hands-on operators. This program is built to address those industry-specific risks with disciplined underwriting and broad market access. This program is underwritten through experienced partners familiar with mineral milling exposures. Novatae Risk Group and our underwriting partners perform detailed, risk-focused evaluations so you can place Workers Compensation coverage with confidence across a number of "A" rated carriers. To discuss a Mineral Milling Workers Compensation submission, please call 800-758-8113 or email [email protected] for immediate assistance from an underwriter. Program Features: Only $7,500 Minimum Premium Program Highlights: 10% commission Fast turnaround for quotes with completed application Coverage available in over 20 states Submissions: Acord 130 3 Years Loss Runs Supplemental Questionnaire Details on Large Losses Ideal Accounts and Appetite This program targets mineral milling operations with established safety programs and routine maintenance controls. Ideal accounts typically include small to mid-sized mills with predictable payrolls and clear classification of duties for management, runners, and operators. Accounts with significant subcontractor exposures, uncontrolled remote operations, or extremely high loss frequency may require additional underwriting review or alternative markets. Coverage Advantages Underwriting focused on mill-specific exposures rather than broad manufacturing categories Access to multiple A-rated carriers to achieve competitive terms Streamlined quoting when required submission documents are provided Underwriting Notes and Minimums Provide a completed Acord 130, three years of loss runs, the program supplemental questionnaire, and full details on any large losses to obtain a timely quote. The program has a minimum premium of $7,500; higher minimums may apply in select states or for accounts with elevated exposures. Territories and Admitted Status Availability: 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. Admitted status: All Available Markets. Coverage availability and placement options vary by state; contact underwriting for specifics. Why Place Mineral Milling Business with Novatae Risk Group Novatae Risk Group provides agents with a specialized placement option for mineral milling Workers Compensation risks, combining industry-aware underwriting, carrier access, and prompt service. You get a dedicated underwriting partner who understands mill exposures and can help structure terms that match your client’s operations. Example account: You might have a regional mineral mill with 25 employees — a plant manager, shift supervisors, several operators, and material handlers — with three years of stable loss history and a documented safety program. This program is positioned to provide competitive Workers Compensation terms for that profile. Do you need a Workers Compensation Quote for your Mineral Milling client? 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 mineral milling accounts are a good fit for this program?Good-fit accounts are small to mid-sized mills with clearly defined roles (management, runners, operators), documented safety and maintenance programs, and three years of loss history. High-frequency loss accounts or uncontrolled subcontractor exposures may need additional review. What documents are required to get a fast quote?Submit a completed Acord 130, three years of loss runs, the program supplemental questionnaire, and full details on any large losses to help underwriting provide a timely quote. Is the program available in my state?The program is available in the listed states. Coverage options and admitted vs. non-admitted placement depend on state rules and the specific account; contact underwriting for state-specific details. What is the minimum premium and how does it affect small accounts?The program minimum premium is $7,500. Smaller accounts below that threshold may need alternative placement or consolidation strategies to meet the program minimums. How quickly can I expect a quote after submission?When you provide the required submission materials, the program emphasizes fast turnaround. Timelines vary by complexity, but complete submissions receive priority handling from underwriting. 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.

Do you have clients with hard-to-place Workers Compensation risks or accounts being forced into the state fund? Novatae Risk Group offers a specialized Non-Standard Workers Comp Insurance program through Empire Underwriters, tailored for businesses that don’t qualify for traditional markets. This program is designed for operations with high-risk classifications, adverse loss histories, lapses in coverage, or other underwriting challenges. With over 30 years of experience, our team understands the nuances of difficult classes and distressed accounts. Whether your client’s policy was non-renewed, canceled, or they’re looking to exit the assigned risk pool, we can help you deliver an alternative solution. Our brokers are ready to assess your submissions and provide flexible, competitive options backed by strong carrier relationships. Call us today at 800-758-8113 to discuss your Non-Standard Workers Comp accounts with an experienced broker. Program Highlights: Pay-As-You-Go Workers Comp – ideal for cash flow management No premium deposit required No premium audits HR support services – including COBRA, garnishments, and unemployment claim assistance Comprehensive payroll services – tax remittance, W-2s, 941s, and more Risk management and loss control services Aggressive, fair claims management Client flexibility – PEO, ASO/Non-PEO, and in-house check cutting options High-retention product – continuous coverage until canceled Ideal Accounts and Target Classes: This program is designed for businesses that fall outside the standard market appetite due to operational risk, loss history, or other underwriting challenges. We specialize in tough classes, including but not limited to: Manufacturing Artisan Contractors Heavy Construction Roofing (min. $150,000 gross payroll) Landscaping Demolition Excavation and Grading Masonry and Concrete Swimming Pool Contractors Painting Property Management Pool Plastering Gunite Contractors Framing and Carpentry Janitorial and Residential Cleaning In-Home Care and Assisted Living Residential Care Facilities Transportation and Freight Handling Warehousing Farming Eligibility Guidelines: Accounts urgently seeking to exit the state fund or assigned risk pool Non-renewed or canceled accounts with X-Mods between 1.3 and 3.0 Accounts with prior losses or heavy claims activity Risks with lapse in coverage or no prior coverage Accounts with governing class codes and manual rates between $8–$50 and a high X-Mod All accounts must meet at least one of the above criteria to be eligible for our PEO division. Accounts already receiving standard market quotes or simply “shopping around” are not eligible. Submission Requirements: Completed Acord 130 Class-specific supplemental (available on our webpage) Three years of loss history Loss affidavit (if lapse in coverage or no prior coverage) Explanation of any claim over $20,000 Experience mod sheet Need a Non-Standard Workers Comp Quote? Email your submission to [email protected] or call 800-758-8113 to speak with an underwriter today. Territories and Carrier Access Novatae Risk Group offers this program in all 50 states and the District of Columbia. Carrier availability and program structure may vary by state. We leverage access to multiple markets to provide flexible, competitive options for tough-to-place risks. Why Work With Novatae Risk Group? As a leading Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group brings deep underwriting experience in complex and distressed Workers Compensation accounts. Our team works closely with agents and brokers nationwide to solve placement challenges and deliver tailored solutions that meet your client’s needs. Put our knowledge and market access to work for you. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for high-risk or distressed accounts, such as those with prior claims, high X-Mods, lapses in coverage, or tough class codes like roofing, demolition, or in-home care. Can you help clients who have been non-renewed or canceled by standard markets?Yes. We specialize in accounts that have been non-renewed or canceled due to losses or underwriting issues and are being directed to the state fund or assigned risk pools. Is prior coverage required to qualify?No. We can consider accounts with no prior coverage, as long as they meet other eligibility criteria such as tough class code or adverse underwriting history. What documentation is needed to submit an account?You’ll need a completed Acord 130, a class-specific supplemental, three years of loss history, any necessary affidavits, and experience mod details. Which states is this program available in?The program is available in all 50 states and Washington, DC. Market availability and terms may vary by state. Need help placing an account? Connect with a market specialist.

Janitorial and cleaning businesses face unique and elevated risks due to the nature of their off-site operations. Employees often travel to multiple job locations, increasing exposure to injuries, illnesses, and liability claims. For agents working with janitorial clients who are ineligible for standard workers' compensation markets, Novatae Risk Group offers a tailored Non-Standard Workers Comp Insurance program designed to meet the specific needs of this challenging class. This program is an excellent solution for cleaning and janitorial companies that have been declined, non-renewed, or priced out of the standard market. With flexible underwriting and access to multiple carriers across all available markets, Novatae helps agents place tough accounts while delivering real value to clients. Program Highlights: “Pay-As-You-Go” Non-Standard Workers Comp with reduced costs No premium deposit required No premium audits Significant cash flow advantages Loss control and risk management support Fair and aggressive claims management HR services including unemployment claims, garnishments, COBRA, and more Full payroll services with tax remittance, 941s, and W-2s Client option to process payroll in-house ASO (Administrative Services Only) and PEO (Professional Employer Organization) options High retention product—continues until cancelled Ideal Accounts and Submission Appetite: Accounts exiting a state fund or assigned risk pool Accounts non-renewed or cancelled due to high exposure or loss history Accounts with X-Mods between 1.3 and 3.0 New ventures or operations with no prior coverage but in tough classes Accounts with lapses in coverage and adverse loss experience Businesses with manual rates of $8 to $50 or more and other risk factors You might have a janitorial client with a lapse in coverage and a history of claims exceeding $20,000. Or, perhaps you’re working with a new cleaning business struggling to find coverage due to interstate exposure or classification issues. These are the types of accounts this program is purpose-built to serve. Not a Fit For: Accounts that qualify for standard market workers comp Accounts just shopping for a better rate Accounts with credit X-Mods and little to no loss history Accounts not meeting any of the eligibility criteria Submission Requirements: Completed Acord 130 Class-specific supplemental application (available on the program page) Three years of loss history Loss history affidavit for accounts with lapse or no prior coverage Explanation for claims exceeding $20,000 Experience Mod worksheet Territories and Market Access: This program is available in all 50 states plus Washington, D.C. Admitted and non-admitted options are available depending on the state and carrier. Novatae Risk Group works with a variety of markets to place the right fit for your client. Why Work With Novatae Risk Group? As a Managing General Underwriter and E&S Broker with deep expertise in hard-to-place workers comp risks, Novatae provides agents with a reliable partner for tough janitorial accounts. From responsive underwriting to full-service HR and payroll capabilities, Novatae is committed to helping agents deliver value, efficiency, and client satisfaction. Need a Non-Standard Workers Comp Quote for a Janitorial Account? 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 janitorial and cleaning companies with high X-Mods, lapses in coverage, prior cancellations, or tough classification issues that make them ineligible for standard workers comp markets. Is this a PEO-only program?No. Novatae offers both PEO and ASO (Administrative Services Only) options, along with payroll services. Clients can also choose to cut checks in-house if preferred. Are new ventures eligible for coverage?Yes, new janitorial businesses with no prior coverage can be considered, especially if they face tough underwriting criteria or operate across state lines. What documentation is needed to get a quote?Submissions require an Acord 130, a class-specific supplemental application, three years of loss history (or affidavit if not available), explanation of large claims, and an Experience Mod sheet. In which states is this program available?This program is available in all U.S. states and Washington, D.C., with access to both admitted and non-admitted markets depending on the state. Need help placing an account? Connect with a market specialist.

Novatae Risk Group, through its partnership with Empire Underwriters, offers a specialized Workers Compensation Insurance program tailored for the oil and gas industry. Backed by more than 30 years of experience in the energy and marine insurance sectors, this program is built to support agents and brokers looking to place challenging workers comp accounts in high-hazard industries. Our dedicated team understands the complex risks oil and gas companies face. Whether your client operates in upstream, midstream, or downstream segments, we can help you find competitive, flexible solutions—even for distressed or hard-to-place accounts. As a Managing General Underwriter and Excess & Surplus Lines Broker, we work with a wide range of “A” rated carriers across both admitted and non-admitted markets, depending on the state. Ideal Accounts and Appetite: Experience MOD 1.30 or higher High-hazard job classes common in oil and gas operations Blue, gray, and white-collar occupations Accounts in state pools or funds Distressed, lapsed, or canceled policies New ventures welcome Multi-state companies, especially those with complex exposures No prior coverage or non-renewed accounts For example, if you're working with a startup drilling contractor with employees in Texas and New Mexico, or a pipeline inspection company with a loss history and a MOD above 1.40, this program is built to help you place that business confidently. Coverage Highlights and Advantages: Fast turnaround on quotes and submissions Access to multiple “A” rated markets Standalone Workers Compensation coverage Guaranteed cost plans available Integrated comp solutions for more complex risks Dividend and retrospective rating plans High-deductible options Custom account handling and servicing Underwriting Requirements: Completed ACORD 130 application 3–4 years of loss runs Details on any large losses Completed supplemental questionnaire Minimum Premium and Market Access: Minimum premium starts at $10,000. Carrier availability varies by state, and Novatae Risk Group has access to both admitted and non-admitted markets to help you find the right fit for your client. States We Serve: This program is available in most states, including but not limited to TX, OK, NM, LA, CA, CO, ND, and PA. We specialize in accounts with multi-state exposures and can help you navigate complex jurisdictional issues. Why Work With Novatae Risk Group? With decades of experience, a focused underwriting team, and strong market relationships, Novatae Risk Group delivers specialized solutions for agents seeking to place oil and gas workers compensation business. We’re large enough to serve national accounts, yet nimble enough to respond quickly and adjust to your client’s unique needs. Have a submission ready? 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 oil and gas workers compensation program?This program is ideal for high-hazard, hard-to-place accounts in the oil and gas sector, including distressed, new ventures, and multi-state operations. Can I submit accounts with high MODs or prior losses?Yes, accounts with MODs of 1.30 or greater and loss history are welcomed. Details on large losses are required for underwriting review. What is the minimum premium for this program?The minimum premium starts at $10,000, though actual pricing will depend on the specific risk profile and underwriting details. Are multi-state operations eligible?Yes, we specialize in multi-state exposures and can help navigate compliance and rating issues between jurisdictions. What documentation is required to get a quote?You’ll need to provide a completed ACORD 130, 3–4 years of loss runs, a supplemental questionnaire, and any large loss details. Need help placing an account? Connect with a market specialist.