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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.

Overview of the New York Workers Compensation Insurance Program Novatae Risk Group offers a robust New York Workers Compensation Insurance Program designed to support agents and brokers in placing complex, high-risk, or hard-to-place accounts. Whether your client is a startup with no prior coverage or a large company in a high-hazard industry, this program provides flexible solutions tailored to the unique challenges of the New York market and surrounding states. Ideal Accounts and Appetite This program is ideal for accounts that may not qualify for standard markets, including those with: Experience Mods of 1.30 or higher High-hazard or tough class codes Blue, gray, and white-collar operations Placement in state pools or assigned risk funds Distressed, lapsed, or non-renewed policies New ventures and startups Multi-state operations, especially those based in or including New York You might have a client such as a road construction firm with prior losses or a staffing agency with multi-state workers—both are examples of accounts that could be eligible under this program. Coverage Highlights and Program Features Fast turnaround times for quotes and submissions Access to multiple “A” rated carriers, including Hartford and Zurich Stand-alone Workers Comp policies available Guaranteed cost plans and integrated solutions Non-PEO and PEO/employee leasing options High deductible, dividend, and retroactive rating plans Consent to rate expertise Custom account handling and client check-writing options Sample Eligible Classes Agriculture Assisted Living Bridge & Road Construction Carpentry Concrete & Asphalt Dirt Work Elderly Care Facilities Excavation Farms In-Home Care Iron & Steel Line Maintenance Logging Machine Shop Maid Services Manufacturers Masonry Non-Profit Organization Nursing Homes Oil & Gas Paving Pipeline Retail Roofing Sawmills Services Sheet Metal Staffing Companies Tower Erection Trucking & Transportation Submission Requirements Completed ACORD 130 application 3–4 years of loss runs Details on any large losses Supplemental questionnaire Territories and Market Access This program is available in New York, as well as surrounding states including Connecticut, Massachusetts, New Jersey, Pennsylvania, Rhode Island, and Vermont. With access to both admitted and non-admitted markets, Novatae Risk Group can structure solutions that meet your insured’s needs while maintaining flexibility across jurisdictions. Why Work With Novatae Risk Group? As a seasoned Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group brings deep underwriting expertise and access to several top-rated carriers. Their team specializes in complex and distressed Workers Compensation risks, offering responsive service, creative structuring, and a consultative approach. Whether you’re placing a start-up roofing contractor or a multi-state manufacturing group, Novatae can help you secure the right coverage and structure. Do you need a New York Workers Compensation Insurance Quote? 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 Workers Comp program?This program is ideal for high-hazard classes, distressed accounts, businesses with high MODs, new ventures, and those placed in state funds or pools. It also supports multi-state exposures. Can I submit accounts that have been cancelled or non-renewed?Yes, Novatae specializes in helping agents place lapsed, cancelled, or non-renewed Workers Comp policies, including those with gaps in coverage. What documentation is required to submit an account?You’ll need a completed ACORD 130, 3–4 years of loss runs, details on large losses, and a supplemental questionnaire. Do you offer stand-alone Workers Compensation policies?Yes, Novatae offers stand-alone Workers Comp solutions, as well as integrated and high-deductible options to meet different client needs. In which states is this program available?This program is available in New York, Connecticut, Massachusetts, New Jersey, Pennsylvania, Rhode Island, and Vermont. Need help placing an account? Connect with a market specialist.

Machine shops are dynamic, high-risk environments with complex machinery, tight deadlines, and physically demanding work. These conditions make Workers Compensation Insurance essential for protecting both employees and business owners. Novatae Risk Group offers a focused Machine Shop Workers Compensation Insurance program that helps agents place tough-to-insure and distressed accounts with speed and confidence. Whether your client is a newly established machine shop, has an elevated experience modification (MOD), or operates across state lines, Novatae can help. We partner with a broad network of "A" rated carriers and specialize in placing hard-to-place risks, including accounts that have been non-renewed, cancelled, or have lapses in coverage. Ideal Accounts and Appetite Experience MOD of 1.30 or greater High-hazard industries and difficult class codes (CNC machining, metal fabrication, tool & die) Accounts with blue-, gray-, and white-collar exposures Risks currently in state pools or assigned risk funds New ventures and startups with no prior Workers Comp Multi-state operations and regional exposures Accounts with prior cancellations, non-renewals, or coverage lapses You might have a client running a busy CNC shop with a recent loss history, or a machine shop expanding payroll and operations into multiple states—Novatae has solutions for both situations and more. Coverage Features and Program Advantages Fast turnaround on quotes and underwriting decisions Access to many "A" rated carriers across admitted and non-admitted markets Stand-alone Workers Compensation policies available Flexible plan structures: guaranteed cost, high deductible, dividend, and retrospective (retro) plans Custom account handling and integrated workers’ comp solutions to manage complex exposures The program is built to give you flexibility and multiple placement options for challenging machine shop accounts. Submission Requirements Completed ACORD 130 application 3–4 years of loss runs Details on any large losses or open claims Completed supplemental questionnaire (when requested) Underwriting Notes and Minimum Premiums Minimum premium starts at $10,000. Final premium and market options depend on state jurisdiction, payroll mix, class codes, and loss history. Novatae evaluates each file to identify admitted and non-admitted markets that best fit the risk profile. Program Availability Novatae’s Machine Shop Workers Compensation program is available in most states, including but not limited to CA, TX, FL, NY, IL, and PA. We have experience placing multi-state accounts and managing regional exposures across a wide territory. Why Partner With Novatae Risk Group As a Managing General Underwriter and E&S broker, Novatae Risk Group brings decades of underwriting experience and deep carrier relationships to support agents and brokers. Our underwriting team understands the manufacturing and machining sectors and provides tailored placement strategies for complex workers’ comp risks. Contact us at 800-758-8113 to speak with an experienced broker about your Machine Shop Workers Compensation accounts. Need a Workers Compensation Insurance quote for a machine shop client? Send an email to [email protected] with the submission or call 800-758-8113 to reach an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best for machine shops with elevated MODs, high-hazard class codes, multi-state operations, startups, or accounts with prior coverage issues such as cancellations or non-renewals. Can I submit new machine shop startups with no prior coverage?Yes. Novatae regularly writes startup machine shops, including those without prior Workers Comp coverage, provided the business plan and safety controls are acceptable. What documents are required to submit an account?Provide a completed ACORD 130, 3–4 years of loss runs, details on any large or open claims, and the supplemental questionnaire when requested. Are multi-state exposures eligible for this program?Yes. Novatae has experience placing multi-state Workers Compensation risks and can coordinate admitted and non-admitted options across jurisdictions. What is the minimum premium for this program?The minimum premium typically starts at $10,000, though final terms depend on the state, payroll, class codes, and loss history. Need help placing an account? Connect with a market specialist.

Novatae Risk Group, in partnership with Empire Underwriters, offers a specialized Non-Standard Workers’ Compensation program tailored to heavy construction contractors. Designed to place difficult-to-insure risks outside the standard market—because of high experience mods, adverse loss history, or challenging class codes—this program pairs over 30 years of market experience with dedicated brokerage support to deliver practical, customizable coverage solutions for your clients. Ideal Accounts and Appetite Contractors operating heavy equipment or performing heavy construction with class codes showing manual rates typically from $8 to $50+. Accounts with experience mods (X-Mods) generally between 1.30 and 3.0. Prospects facing non-renewals, cancellations, or insurer declinations due to claims activity or class exposure. Insureds exiting state-assigned risk pools or other “insurer of last resort” programs. Accounts with lapsed coverage, limited prior coverage, or adverse loss experience. New ventures with no prior coverage that operate in tough classes or across multiple states. Complex submissions that the standard market cannot serve because of combined underwriting challenges. This program is not intended for accounts that have standard-market offers, low loss picks, or are simply rate-shopping. Coverage Highlights and Advantages Pay-As-You-Go non-standard workers’ compensation with no premium deposit required. No premium audits—simplifies administration and improves cash flow. Meaningful cash-flow advantages for insureds and reduced administrative burden for brokers. Comprehensive loss control and risk management services to help reduce frequency and severity. Fair, responsive claims handling backed by experienced adjusters. HR support services that include unemployment claims, wage garnishments, COBRA administration, and more. Full payroll services with tax compliance (941s, W-2s, etc.) and the option for clients to cut payroll checks in-house. Flexible servicing options: ASO (Administrative Services Only) or PEO/employee leasing where appropriate. High-retention product structure—coverage remains in force until canceled. Underwriting Requirements Completed ACORD 130 form. Supplemental application specific to the class of work. Three years of loss runs. Loss history affidavit for accounts with coverage lapses or no prior coverage. Detailed explanation for individual claims exceeding $20,000. Experience Mod worksheet (Experience Mod Sheet). Territories 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. Carrier availability, admitted vs. surplus lines placement, and specific terms may vary by state and submission. Why Work With Novatae Risk Group Novatae Risk Group, together with Empire Underwriters, combines deep expertise in high-risk and non-standard workers’ compensation with broad carrier access. As a managing general underwriter and excess & surplus lines broker, we can place business in admitted and E&S markets as appropriate and offer tailored solutions for accounts that standard markets decline. Our underwriting team works collaboratively with agents to evaluate complex loss histories, structure competitive terms, and expedite placement. Representative submission scenarios you might bring to this program: A regional heavy-equipment contractor with a 1.8 experience mod and multiple prior claims seeking continuous coverage after a state-assigned pool offer expires. A multi-state startup in heavy civil construction with no prior workers’ comp coverage but high manual rates and planned interstate projects. Need a Non-Standard Workers’ Comp quote for a heavy construction client? Send your submission to [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 is best for heavy construction contractors with elevated experience mods, prior significant losses, or those leaving state-assigned risk pools. New ventures in tough class codes or multi-state operations can also qualify under the right circumstances. Is prior coverage required to qualify?No. Prior coverage is not required. Accounts with no prior coverage may be eligible if they meet other underwriting criteria such as high-risk class codes, acceptable financials, and clear explanations for any gaps. What documentation is required for submission?Typical requirements include a completed ACORD 130, the supplemental application for the class, three years of loss runs, an Experience Mod Sheet, and explanations for claims over $20,000. Additional documentation may be requested for lapses or complex claims histories. Can this program be used for multi-state operations?Yes. Multi-state operations are eligible provided the locations fall within the program’s approved territories and meet state-specific underwriting guidelines. Interstate exposure is considered during evaluation. What makes this program different from standard market workers' comp?This program is built for risks the standard market often declines. It offers pay-as-you-go billing with no deposit, no premium audits, flexible ASO or PEO options, robust HR and payroll support, and targeted loss control services designed for heavy construction exposures. 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.

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.

From single-family homes to large commercial structures and critical infrastructure, demolition contractors perform inherently high-risk work that requires specialized insurance solutions. Whether your client is clearing sites for new construction, removing hazardous materials, or assisting with disaster recovery, these operations create exposures many standard markets will not accept. Novatae Risk Group provides access to tailored Workers' Compensation for demolition contractors who are difficult to place in the standard market. Through our Non-Standard Worker Comp Insurance for Demolition Contractors program, Novatae combines flexible placement options, pragmatic underwriting, and proactive claims and loss-control support. We focus on accounts that fall outside traditional carrier appetites—offering practical, market-aware solutions built from decades of experience serving the construction trades. Ideal Accounts and Appetite Demolition contractors with high-risk operations, difficult class codes, or multi-trade exposures Accounts with Experience Mods (X-Mods) between 1.30 and 3.00 Producers needing alternatives for clients non-renewed or cancelled for loss history or exposure Businesses in state-assigned risk pools or declined by standard markets Insureds with no prior coverage, recent lapses, or adverse underwriting histories Operations with manual rates roughly in the $8–$50+ range and other complex risk profiles Example: You might have a demolition contractor recently dropped by a standard carrier after a surge in claims, or a new multi-state startup with no loss history. Those are the types of accounts Novatae underwrites through this program. Program Features and Advantages Pay-As-You-Go premium structure with no premium deposit required No audits—streamlined administration reduces administrative burden Improved cash flow and predictable billing options for insureds Full payroll services including tax remittance, 941s, W-2s, and payroll compliance support Optional in-house payroll check cutting Flexible placement via PEO, ASO, or non-PEO solutions depending on account needs Comprehensive HR services: COBRA, wage garnishment, and unemployment claims handling Dedicated loss control, active risk management consulting, and fair claims handling High-retention program—coverage stays in force until cancelled Underwriting Notes and Minimum Premiums We underwrite each account to identify the most appropriate market and placement structure. Minimum premiums vary by state and by carrier; underwriting will reflect the insured’s class codes, payroll, loss history and exposure profile. Typical submission requirements follow. Submission Requirements ACORD 130 application Supplemental form describing class of work (available on our website) Three years of loss history (loss runs) Loss History Affidavit for accounts with no prior coverage or a lapse Explanation for any claim over $20,000 Current Experience Mod sheet Not a Fit for This Program Accounts readily eligible for the standard market Policyholders shopping only for lower rates without a true placement need Low X-Mod accounts with strong loss histories that standard carriers will accept Risks that do not match the eligibility criteria above Markets and Availability This non-standard Workers' Compensation program is available in most U.S. states. It is not available in North Dakota, Ohio, Washington, or Wyoming. Market access and minimum premiums vary by state and by carrier selection; Novatae leverages a broad panel of admitted and E&S carriers to place eligible accounts. Why Work With Novatae Risk Group? As a Managing General Underwriter and Excess & Surplus Lines broker with more than 30 years of experience, Novatae Risk Group specializes in tough-to-place contractors’ Workers' Compensation. Agents gain access to experienced underwriters, multiple placement structures (PEO, ASO, non-PEO), and dedicated service for payroll, HR, loss control, and claims management—helping you keep challenging accounts insured and compliant. Need a Non-Standard Workers' Comp quote for a demolition contractor? Send an email to [email protected] with your submission 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?This program is best for demolition contractors with high-risk operations, elevated X-Mods, prior cancellations, or no prior coverage—especially those declined by the standard market. Can this program help clients in assigned risk pools?Yes. The program is designed to provide an alternative to state funds or assigned risk pools for eligible demolition contractors. What underwriting documents are required for a quote?You’ll need an ACORD 130, the class-specific supplemental form, three years of loss runs, a loss affidavit if there’s no prior coverage, explanations for claims over $20K, and the current Experience Mod. Is this a PEO program only?No. While PEO placement is available, Novatae also offers ASO and non-PEO options depending on the client’s eligibility and needs. In which states is this program available?The program is available in most U.S. states, excluding North Dakota, Ohio, Washington, and Wyoming. Market availability may vary by 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.