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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.

Non-Trucking Liability Insurance Program from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers a dedicated Non-Trucking Liability (NTL) Insurance Program designed to provide essential protection for owner-operators when they are not under dispatch. This coverage fills the gap when the primary motor carrier’s liability policy does not apply—such as when a driver is using a vehicle for personal use or activities not related to transporting goods. This program is ideal for agents and brokers working with independent truckers who operate under lease agreements and need NTL coverage to stay compliant and protected while off the job. As a specialized excess & surplus lines broker, Continental Risk brings strong market access and underwriting expertise to help place these accounts effectively. Ideal Accounts and Appetite This program is best suited for: Independent owner-operators leased to a motor carrier Drivers operating tractors for personal use when not under dispatch Trucking professionals with clean MVRs and driving histories Accounts with prior NTL coverage and favorable loss history Example: You might have a client who owns a tractor-trailer and is leased to a motor carrier, but occasionally uses the tractor for personal use. This program ensures they're properly covered during those times. Coverage Highlights and Advantages Continental Risk's Non-Trucking Liability Program offers: Liability protection during non-business use of a commercial truck Support for underwriting new ventures (surcharge may apply) Access to admitted markets, where available No minimum premium requirement, offering flexibility for smaller accounts This coverage is essential for maintaining continuous protection and avoiding potential gaps that could lead to uncovered losses when a driver is not under a carrier’s dispatch. Underwriting Guidelines and Submission Requirements To underwrite each risk, agents must provide: Driver’s lease agreement Motor Vehicle Report (MVR) Loss runs for prior NTL coverage (or note if it's a new venture) Drivers are not eligible if they: Are under 23 years of age Have more than 4 incidents in the past 36 months, or more than 2 in the past 12 months Have more than 1 at-fault accident in the past 12 months, or more than 2 in the past 36 months Have less than 2 years of experience driving similar equipment Have a major violation within the last 3 years Major violations include: DUI/DWI, refusal to test, reckless driving, hit & run, fleeing law enforcement, open container, speeding 20+ mph over limit, allowing an unlicensed driver, and felony-related vehicle incidents. States Where Coverage Is Available This Non-Trucking Liability program is available in the following states: AL, AZ, AR, CA, CT, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MN, MS, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WV, WI. Why Work with Continental Risk / Continental Marine Insurance Services As an experienced excess & surplus lines broker, Continental Risk / Continental Marine Insurance Services offers agents access to competitive admitted markets and underwriting expertise in trucking-related risks. The team understands the nuances of NTL exposure and works closely with brokers to ensure timely and effective placements. With no minimum premium and a wide state footprint, this program is a practical option for agents looking to support independent truckers and leased drivers. Frequently Asked Questions What types of accounts are a good fit for this Non-Trucking Liability program?Owner-operators leased to a motor carrier who use their commercial vehicles for personal or non-business purposes are ideal candidates. What submission materials are required?You will need to submit the driver’s lease agreement, MVR, and loss runs if there is prior NTL coverage. New ventures may be subject to a surcharge. Are there age or experience restrictions for drivers?Yes. Drivers must be at least 23 years old and have at least 2 years of experience operating similar equipment. Is this program available on an admitted basis?Yes, the program is available through admitted markets, depending on the state. What are some examples of major violations that would disqualify a driver?Major violations include DUI, reckless driving, hit and run, fleeing law enforcement, and speeding 20+ mph over the limit. Need help placing an account? Connect with a market specialist.