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Novatae Risk Group offers a focused General Liability Insurance program built for welding contractors and small to medium-sized welding shops. Whether your client is a solo welder, runs a small crew, or manages a growing shop, this program addresses the specific liabilities tied to welding work — from on-site injuries and third-party property damage to equipment exposures and completed operations risks. Through our partnership with Empire Underwriters and access to an “A”-rated carrier panel, Novatae provides agents with responsive underwriting, tailored coverage options, and the market flexibility needed to place challenging welding risks. Submit welding contractor accounts to Novatae and leverage our underwriting depth and carrier relationships to get deals placed faster. Program Overview This General Liability program is designed for welding contractors working on residential and commercial construction projects. We focus on accounts with annual payrolls up to $1,000,000 and provide protection for common welding exposures, including third-party bodily injury, property damage, and completed operations liability. Target Accounts Ideal insureds include: Independent welders and small welding shops Contractors performing work on new residential or commercial construction (including single-family homes) Repair, remodel, and service welding contractors You might have a client who performs steel frame welding for home additions, or a mobile welder who services commercial properties — these are the types of accounts that fit well in this program. Ineligible Risks New construction of condominiums, condominium conversions, and townhouses (some exceptions may apply) Projects involving structures over three stories (some exceptions may apply) Coverage Features Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate limits Subsidence coverage (with limitations) Coverage for Prior Projects (with limitations) Submission Requirements Completed ACORD applications Currently valued loss runs (3–5 years) Supplemental application Project-specific pollution application (if applicable) Minimum Premium and Availability Minimum premium for the program starts at $1,500. The program is available in most states, including AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, and WV. We place business through both admitted and non-admitted markets, with carrier ratings available up to A-XV to give you broader placement options. Why Work With Novatae Risk Group? As a wholesale broker specializing in niche construction and contractor programs, Novatae Risk Group offers underwriting expertise, targeted appetite, and strong carrier access for welding risks. Our team works with agents to evaluate exposures quickly, advise on risk mitigation, and secure tailored General Liability solutions — especially for accounts that can be difficult to place in standard markets. Do you need a General Liability quote for a Welding Contractor account? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak with an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this welding insurance program?This program is ideal for small to medium-sized welding contractors with less than $1 million in annual payroll who work on residential or commercial construction projects, including repairs and remodels. Are there any types of welding projects that are excluded?Yes. New construction of condominiums, townhouse developments, and projects involving buildings over three stories are generally ineligible, though underwriters may consider exceptions on a case-by-case basis. What states is this program available in?The program is available in most states, including AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, and WV. What coverages are included in the welding contractor insurance package?Key coverages include General Liability with options for Blanket Additional Insured, Waiver of Subrogation, Per Project Aggregate limits, and limited cover for subsidence and prior projects. What is the minimum premium for this program?The program's minimum premium starts at $1,500 for eligible welding contractor accounts. Need help placing an account? Connect with a market specialist.

...work, overhead wiring, conduit installation, and equipment servicing — are a g...

With up to 20 trips a day, Non-Emergency Medical Transportation (NEMT) drivers transport patients between hospitals, nursing homes, and outpatient care facilities. The fast-paced environment and high volume of trips increase the risk of on-the-job accidents and injuries. Even well-trained professionals can encounter hazards caused by distracted drivers, time pressure, or unpredictable road conditions. That’s why having the right Workers Compensation Insurance is essential for NEMT businesses—and why agents need a trusted market for these accounts. Novatae Risk Group, through its partnership with Empire Underwriters and an “A”-rated carrier, offers a dedicated Workers Compensation Insurance program designed specifically for the Non-Emergency Medical Transportation industry. Backed by over 30 years of experience in this niche, we understand the exposures your clients face and can help you place coverage quickly and efficiently. Ideal Accounts and Appetite Non-Emergency Medical Transportation (NEMT) companies with professional drivers Accounts with multiple vehicles and daily transport schedules Operations with prior coverage and a loss history that can be reviewed Whether you're working with a small provider or a multi-vehicle operation, this program is designed to handle the unique risks of NEMT services. For example, you may have a client running scheduled transports for dialysis patients or post-acute care facilities—this program was built to meet those needs. Coverage Highlights and Advantages Coverage available in over 20 states Fast quote turnaround with completed submissions 10% commission for agents Backed by an “A”-rated insurance carrier We understand the urgency and complexity of Workers Compensation coverage for transportation risks. Our streamlined underwriting process and knowledgeable team help you deliver competitive quotes and dependable protection to your clients quickly. Underwriting Requirements and Minimum Premium Minimum premium: $7,500 Required submission documents include: Acord 130 Three years of loss runs Supplemental questionnaire Details on any large losses The more complete the submission, the faster we can turn around a quote. Our team is ready to help you navigate the process and find solutions for even the most challenging accounts. Territories and Market Access This Workers Compensation program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, and WV. Novatae Risk Group works with both admitted and non-admitted carriers to provide flexible solutions across a wide geographic footprint. Why Choose Novatae Risk Group As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group brings deep expertise and market access to the NEMT sector. Our long-standing relationships with carriers and our focused underwriting allow us to provide tailored solutions for complex transportation risks. We make it easy for agents to access competitive Workers Compensation coverage for their NEMT clients—supported by a responsive team, fast turnaround, and strong commissions. Need a Workers Compensation quote for your NEMT client? Send your submission to [email protected] or call 800-758-8113 to speak directly with an experienced underwriter. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for Non-Emergency Medical Transportation companies that operate multiple vehicles and transport patients between medical facilities on a regular schedule. What states is this Workers Compensation program available in?Coverage is available in over 20 states, including CA, FL, TX, NY, and others across the South, Midwest, and East Coast. What is the minimum premium for eligible accounts?The minimum premium for this program is $7,500. How quickly can I get a quote?Quotes are typically turned around quickly once a complete submission is received, including Acord 130, loss runs, and supplemental details. Who should I contact with questions or submissions?You can reach out via email at [email protected] or call 800-758-8113 to speak with an experienced underwriter. Need help placing an account? Connect with a market specialist.

Workers Compensation Insurance for Theaters Novatae Risk Group offers a specialized Workers Compensation Insurance program tailored for theater operations across more than 20 states. Whether your client runs a small community playhouse or a larger performing arts venue, this program helps agents place coverage for a unique and often underserved segment of the entertainment industry. With competitive pricing, a low minimum premium, and responsive underwriting, this program is built to support agents seeking reliable workers comp solutions for theater clients. Ideal Accounts and Appetite This program targets live theater venues and related operations, including: Community and regional theaters Touring theater groups Performing arts centers Theatrical production companies Accounts with active safety protocols, organized management structures, and a history of limited workers comp claims are typically strong fits. You might have a client who runs a nonprofit playhouse with part-time staff or a touring company with seasonal performers—both can be considered under this program. Coverage Highlights and Advantages Only $7,500 minimum premium 10% commission for appointed producers Quick quote turnaround with completed submissions Coverage available in over 20 states The program is supported by a range of admitted and non-admitted carriers, allowing flexibility across jurisdictions and risk profiles. Underwriting Requirements and Submissions To receive a quote quickly, submit a complete application package including: ACORD 130 Three years of currently valued loss runs Supplemental questionnaire specific to theater operations Details on any large losses The more complete your submission, the faster the underwriting team can respond. Novatae Risk Group prioritizes efficiency and communication throughout the quoting process. Availability and Territories Workers compensation coverage is available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, and WV. Admitted and non-admitted options are available depending on the state and risk characteristics. Why Work With Novatae Risk Group? As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group brings specialized expertise and market access for niche industries like live theater. Their underwriting team understands the operational risks involved in stage production, set construction, and live performances, helping you place business that might not fit standard markets. With competitive commissions, fast service, and broad state availability, Novatae is a reliable partner for writing workers compensation for theater clients. Do you need a Workers Compensation Insurance Quote for your Theater 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 accounts are a good fit for this theater workers comp program?This program is ideal for live performance venues such as community theaters, regional theaters, touring production companies, and performing arts centers with staff involved in stage operations, production, and administration. What documentation is required to submit for a quote?Submissions must include ACORD 130, three years of loss runs, a supplemental questionnaire, and details on any large losses. What is the minimum premium for this program?The program has a $7,500 minimum premium requirement. Is this program available in all states?No, but it is available in over 20 states including CA, TX, NY, FL, and others. Contact underwriting to confirm availability in your client’s state. How quickly can I get a quote?Quotes are typically turned around quickly once a complete submission is received. Incomplete applications may delay processing. Need help placing an account? Connect with a market specialist.

Insential, Inc. offers a flexible and competitive Contractors Business Auto Insurance program designed specifically for agents and brokers placing commercial auto risks in the construction and contracting industries. Leveraging strong relationships with a variety of carriers, we provide access to markets that can accommodate a wide range of fleet sizes—from individual contractor vehicles to large, multi-unit fleets. Ideal Accounts and Appetite We can help you place accounts for a broad spectrum of contractor-related clients, including: General Contractors Artisan Contractors Service Contractors Building Supply Dealers Specialty Contractors Whether your client is a one-person plumbing operation or a regional electrical contractor with a fleet of vans, our program can offer tailored solutions to address their business auto insurance needs. Coverage Highlights and Advantages Our carriers offer a variety of coverage options to support commercial auto risks, including: Auto Liability and Physical Damage Hired and Non-Owned Auto Liability Symbol 1 (Any Auto) Available in Some Cases We work with multiple carriers, which allows us to present your clients with competitive options and flexible underwriting. Our team understands the unique exposures contractors face on the road—and we’re here to help you find the right fit for each account. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the account’s size, class, and location. We’re able to review everything from small contractor fleets to more complex risks. Appetite may vary by carrier, so call us to discuss fit and availability for your specific client. Territories and Availability We offer Contractors Business Auto Insurance in most U.S. 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, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Some markets are admitted, depending on the state and carrier. Why Work With Insential, Inc. As an experienced Excess & Surplus Lines Broker, Insential brings responsive service, market access, and underwriting expertise to agents and brokers across the country. We understand contractors’ unique vehicle usage and risk profiles, and we work hard to provide coverage solutions that meet your clients’ operational needs. Have a client expanding their fleet? Or a small contractor needing symbol 1 coverage? We’re here to help you place these opportunities quickly and competitively. Call Insential, Inc. today to discuss your Contractors Business Auto Insurance submissions – 888-571-6160 Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for general, artisan, service, and specialty contractors, as well as building supply dealers with commercial vehicle needs. Can you write single vehicles or only fleets?We can accommodate a range of fleet sizes, from single-unit contractors to large commercial fleets. Is Symbol 1 coverage available through this program?Yes, Symbol 1 (Any Auto) coverage may be available depending on carrier guidelines and account qualifications. Are the carriers admitted or non-admitted?Some admitted markets are available, but availability varies by state and carrier. We also work with non-admitted markets as needed. What states is this program available in?This program is available in most U.S. states, including CA, TX, FL, NY, IL, and many others. Contact us to confirm availability in your state. Need help placing an account? Connect with a market specialist.

...ntractors, drywall installers, and flooring specialists that meet these limits...