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WDPG provides solutions for Gas Distributors Insurance needs. Customized Gas Distributors Insurance Competitive... for cleanup of pollutants and escaped gas, and offers broad form auto polluti...

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Citadel Insurance Services’ Oil and Gas Contractors Insurance Program is built...t for this program?We focus on oil and gas contractors including well servicin...

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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.

... offsite/transit coverage) Manufacturers — extraction, infused products, b...cultivators (indoor and outdoor), manufacturers (extraction and infused produc...

Novatae Risk Group places access to a specialized workers' compensation program for pipeline contractors underwritten by Empire Underwriters. The program is designed for contractors who perform trenching, excavation, soil stability analysis, right-of-way work and traffic control at linear work sites. Novatae's underwriting partners combine industry knowledge with experienced risk control consultants to help your clients manage the high-risk exposures typical to pipeline work. Overview This program targets hard-to-place pipeline contracting exposures, offering admitted and non-admitted solutions across a wide set of markets. It is intended for agents and brokers who need solid carrier appetite and flexible placement options for accounts with higher MODs, challenging class codes, multi-state payrolls, or prior coverage problems. Appetite: MOD 1.30 or greater High-hazard and hard-to-place class codes Blue-, gray- and white-collar payroll mixes Accounts in state funds, pools, or assigned risk Distressed, lapsed, or previously cancelled/non-renewed programs New ventures are acceptable Multi-state exposures handled as a specialty Hard-to-place workers’ compensation accounts Coverage Highlights and Advantages: Quick underwriting turnaround to keep submissions moving Access to many "A" rated carriers (varies by state) Stand-alone workers' compensation placements Guaranteed cost, dividend and retro plan options Integrated work comp solutions and high-deductible programs Custom account handling and experienced claims/risk control support Underwriting Notes and Minimum Premiums Minimum premium: $10,000 Preferred submissions include an ACORD 130, 3–4 years of loss runs and details on any large losses Supplemental questionnaire may be required for complex or multi-state accounts Underwriters consider the full account mix (payroll split, class codes, safety programs) when pricing high-hazard exposures Submission Practicals Provide complete loss runs and job detail up front to speed placement. Large-loss narratives, experience modification documentation, and a completed supplemental questionnaire help underwriters evaluate concessions like retro plans or high-deductible structures. The program supports both admitted and excess & surplus (non-admitted) options to fit carrier availability and state requirements. Territories and Markets Availability: All Available Markets. Carriers vary by state. This program accepts business across the following states and territories: 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, WI. Why Work with Novatae Risk Group on This Program Novatae Risk Group connects agents to specialized underwriting capacity for pipeline contractors. The program is built to handle complex payroll spreads, high-hazard exposures, and accounts with prior placement challenges. Your clients benefit from experienced underwriting, practical risk control guidance, and flexible plan structures that can include dividend or retro options when appropriate. Do you need a Workers Compensation Insurance Quote for your pipeline 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 pipeline contractor accounts are a good fit for this program?Accounts with trenching, excavation, right-of-way work, soil stabilization tasks and traffic control needs are core fits—especially those with MODs above 1.30, complex class mixes, multi-state payrolls, or prior cancellations/non-renewals. Which states and market types are supported?This program is available across a broad set of states (see the territories list above) and offers both admitted and non-admitted market options; specific carrier availability varies by state. What documentation is required with a submission?Include an ACORD 130, 3–4 years of loss runs, large-loss details, and a completed supplemental questionnaire for complex accounts. Complete submissions get faster responses. Can you place accounts with multi-state exposure or in state funds?Yes. Multi-state exposures are a specialty of the program, and the underwriting team will structure placements for accounts currently in state pools, assigned risk, or state funds when appropriate. What turnaround and service can an agent expect?Underwriters aim for quick turnaround on complete submissions. Novatae and the underwriting partners provide consultative support, including risk control guidance, to help agents close and service difficult placements. Need help placing an account? Connect with a market specialist.