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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.

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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.

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.

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.

Your clients depend on their paratransit operations to provide safe, reliable transportation for people who cannot use traditional public transit. These services create unique exposures — especially for drivers, aides, and on-board attendants — and require workers compensation programs tailored to the specialty transportation space. Novatae Risk Group offers a dedicated Paratransit Workers Compensation Insurance Program placed through a nationally recognized “A”-rated carrier. With over 30 years of experience in transportation-related insurance, we understand the operational risks your clients face and have the underwriting relationships and expertise to place tougher or niche accounts. The program supports both for-profit and not-for-profit paratransit providers and is available for emergency and non-emergency transport. Because Novatae focuses on specialty transportation, we can access carriers that provide workers compensation solutions tailored to drivers and staff who handle riders with mobility, medical, or cognitive challenges. Ideal Accounts and Appetite This program is built for paratransit operations, including the following target classes: Non-emergency medical transportation (NEMT) providers Wheelchair-accessible van services Community-based disability transport programs Senior transportation and escort services You might have a client who operates a regional NEMT fleet with wheelchair-accessible vehicles and trained drivers and aides — that type of account typically fits well. Accounts with documented driver training, vehicle maintenance programs, and formal rider-handling procedures are especially desirable. Coverage Highlights and Advantages Workers compensation placement through an “A”-rated national carrier Available to both for-profit and not-for-profit entities Accessible entry point with a $7,500 minimum premium Fast turnaround on quotes when you provide a complete submission Competitive compensation for brokers working the program Submission Requirements Completed ACORD 130 form Three years of currently valued loss runs Supplemental questionnaire describing operations and controls Details on any large or unusual losses Send submissions to [email protected] or call 800-758-8113 to discuss an account with an experienced underwriter. Underwriting Notes and Minimum Premiums The program is designed for small to mid-sized paratransit operators; the minimum premium is $7,500. Favorable submissions typically show evidence of driver screening, defensive driving or rider-handling training, proactive safety programs, and documented vehicle maintenance. Accounts with repeated severe losses, unmanaged exposure to hazardous transports, or poor safety controls may be declined or require higher retentions. Territories and Availability This program is currently 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, and WV. Coverage is offered across all available markets, including non-admitted where appropriate. Contact Novatae to confirm availability and market options for a specific state. Why Work With Novatae Risk Group? Novatae Risk Group is a managing general underwriter and excess & surplus lines broker with deep experience in transportation risks. Our specialized focus gives you market access, underwriting insight, and faster service for paratransit accounts that can be difficult to place in standard markets. We work with agents to assess exposures and present complete submissions that improve the likelihood of competitive terms. Call us today at 800-758-8113 to learn more about the Paratransit Workers Compensation Insurance Program. Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for paratransit operations, including non-emergency medical transportation providers, wheelchair van services, and community-based transport companies serving seniors or people with disabilities. Is this program available to both for-profit and nonprofit organizations?Yes. Novatae’s program accepts both for-profit and not-for-profit paratransit providers. What is the minimum premium for this program?The minimum premium for the program is $7,500, which makes it appropriate for many small to mid-sized operators. Which states is this program available in?The program is available in over 25 states, including major markets such as CA, FL, TX, NY, and IL. Reach out to Novatae to confirm availability in a specific state. What documents are needed to get a quote?Provide a completed ACORD 130, three years of currently valued loss runs, the supplemental questionnaire, and details on any large or unusual losses to obtain a quote. 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.