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...llboard Painting Glaziers (Glass Installation) Insulation Work ...nstruction program addresses common industry exposures such as job-site injuri...

...Problem Solvers with Deep Lumber Industry Expertise The staff at American Lum...ity, and workers' compensation with industry-aware rating and loss-control rec...

...o your client’s risk profile and industry. Ideal Accounts and Target Classe...vary based on the specific account, industry class, and coverage limits requir...

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Novatae Risk Group offers a dedicated Workers Compensation Insurance program tailored to electrical contractors. Electricians and electrical contractors face unique job-site hazards — electrical burns, falls, and equipment-related injuries — that can lead to costly claims and business interruption. This program helps independent agents and brokers place reliable workers compensation coverage that addresses those specific risks while protecting your clients’ balance sheets. Built through a strategic relationship with an "A"-rated carrier, the program is designed for speed and ease of placement. Novatae provides responsive underwriting, a streamlined submission process, and flexible access to admitted and non-admitted markets so you can get quotes and bind coverage efficiently. The program is positioned for agents who need a dependable market and competitive terms for electrician risks. Ideal Accounts and Appetite This program is a fit for a broad range of electrical contracting operations, including residential, commercial, and light industrial electricians. Typical appetites include contractors who perform wiring for new construction, service and maintenance on residential and commercial properties, and small-scale industrial electrical work. You’re likely to place accounts that have clear safety programs and a stable or improving loss history. Accounts with routine job-site exposures — ladder work, overhead wiring, conduit installation, and equipment servicing — are a good match. Accounts with frequent large losses, ongoing regulatory issues, or highly specialized industrial exposures should be discussed with underwriting before submission. Coverage Highlights and Advantages Workers Compensation coverage specifically tailored for electrical contractors Coverage available in over 25 states with both admitted and non-admitted placement options Streamlined submission process and fast turnaround when submissions are complete 10% commission for appointed agents The program pairs focused underwriting with carrier strength to offer agents a reliable market for new and renewal business. Whether you’re moving a difficult account or placing a standard contractor with solid controls, Novatae’s team can help identify the best placement path. Underwriting Notes and Minimum Premiums Minimum premium: $7,500 Submission requirements include: Completed ACORD 130 application Three years of loss runs Supplemental questionnaire Details on any large or recent losses Territories and Availability 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. The program leverages both admitted and excess & surplus markets to provide placement flexibility based on your client’s location and risk profile. Why Work With Novatae Risk Group As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group specializes in niche contractor classes and complex placements. Agents benefit from direct underwriting access, practical guidance on loss control, and market relationships that help deliver timely quotes and bindable terms. Novatae focuses on efficient service to help you grow and retain electrician accounts. Need a Workers Compensation quote for your electrical contractor client? Email your submission to [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of electrical contractors are eligible for this program?This program is designed for residential, commercial, and industrial electrical contractors that demonstrate a commitment to safety and a stable loss history. What documents are required to submit a new account?A completed ACORD 130, three years of loss runs, the supplemental questionnaire, and details on any large or recent losses are required for underwriting review. What is the minimum premium for this workers compensation program?The program has a minimum premium starting at $7,500, which is suitable for many small to mid-sized electrical contracting businesses. In which states is this program available?Coverage is available in over 25 states, including CA, TX, FL, NY, GA, and IL. Both admitted and non-admitted placement options may be used depending on the state and account specifics. How quickly can I receive a quote?Underwriting aims to turn quotes around quickly once a complete submission is received. Providing full documentation up front helps speed the process. Need help placing an account? Connect with a market specialist.

Overview of the Alternative Workers Compensation Program from Novatae Risk Group Novatae Risk Group offers a robust Alternative Workers Compensation Program through its partner Empire, designed to help agents place tough-to-insure risks that don't fit traditional markets. As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae provides access to a wide range of flexible workers compensation solutions backed by top-rated AM Best carriers including Hartford, AIG, Zurich, Argonaut, Amtrust, State National, and Lumberman’s. Whether your client is being non-renewed due to losses, has a high X-Mod, or is currently in a state fund or assigned risk pool, this program is a powerful alternative. With availability in nearly every state (except monopolistic states), it’s ideal for multistate risks, complex operations, and accounts needing creative underwriting solutions. Ideal Accounts and Appetite This program is built for accounts that are difficult to place in the standard market. Targeted scenarios include: Clients with X-Mods between 1.30 and 3.0 Accounts being non-renewed or canceled due to prior losses Businesses coming out of a state fund, assigned risk pool, or insurer of last resort New ventures, lapses in coverage, or no prior history Accounts with tough class codes or multi-state operations Common industries include manufacturing, construction (including roofing, framing, excavation, and swimming pool contractors), janitorial, transportation, residential care, and farming. You can also place clerical and service-based risks that meet the alternative underwriting criteria. Coverage Highlights and Advantages Empire's Program Features: Guaranteed Cost and High Deductible Plans Retroactive Rating Programs (“Retro Plans”) Dividend and Return of Premium Options Rate/Premium Deviations and “Consent to Rate” Approvals Pay-As-You-Go Options and Zero Premium Deposit (optional) Payroll services with tax compliance and benefit administration HR support, loss control resources, and expert claims management These features help reduce upfront costs, improve cash flow, and provide risk management support for long-term cost savings—especially useful for clients with volatile loss histories or complex payroll needs. Underwriting Notes and Minimum Premiums To submit a risk, agents will need to provide: Acord 130 application Three years of loss history Loss history affidavit (if lapse or no prior) Experience Mod sheet Supplemental application based on class of business (Click here for Supplementals) Claim narratives for losses over $20,000 Minimum premiums vary by risk and state. Competitive commissions are offered—typically ranging from 6% to 10%, based on class code, premium size, and underwriting risk. Territories and Availability Novatae’s Alternative Workers Comp Program is available in all U.S. states except monopolistic ones (ND, OH, WA, WY). Eligible states include AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, 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, WV, and WI. Why Work With Novatae Risk Group As a trusted wholesaler and program provider, Novatae Risk Group offers deep market access, tailored underwriting, and responsive service to help agents place hard-to-insure risks. With more than a dozen top-rated carriers and flexible program structures, you gain a partner that understands the unique needs of non-standard workers compensation clients. Whether you're working with a heavy construction firm with high losses or a new staffing agency with no prior coverage, Novatae helps you navigate challenging placements with confidence and speed. Frequently Asked Questions What types of accounts are a good fit for this program?Accounts with high X-Mods, tough class codes, prior losses, lapses in coverage, or those coming out of state funds or assigned risk pools are ideal candidates. What industries does the program target?This program targets a wide range of industries, including construction, manufacturing, staffing, transportation, janitorial, and residential care, among others. Is this program available nationwide?It is available in all U.S. states except monopolistic states, including popular markets like CA, TX, FL, and NY. What documents are required for submission?You’ll need an Acord 130, three years of loss runs, an experience mod sheet, and supplemental applications for the specific class of business. Can this program handle new ventures or businesses with no prior coverage?Yes, the program is open to new ventures and accounts with no prior coverage, provided other underwriting factors are acceptable. Need help placing an account? Connect with a market specialist.

Manufacturing operations carry a distinct set of risks—especially for Workers Compensation. Novatae Risk Group understands those complexities and offers a Manufacturing Workers Compensation Insurance program tailored for high-hazard and hard-to-place manufacturing accounts. Through our partnership with Empire Underwriters, we help brokers and agents place Workers Compensation coverage for a broad range of manufacturing classes. We work with manufacturers of plastics, metals, food products, industrial equipment, and more. Whether your client is a startup, has a high MOD, or has been declined elsewhere, our team has the underwriting experience and market access to pursue the right solution. Ideal Accounts and Appetite MOD 1.30 or greater High-hazard manufacturing classes Blue, gray, and white collar operations State fund or assigned risk pool accounts Accounts with lapses in coverage, cancellations, or non-renewals Startups and new ventures Multi-state operations Hard-to-place Workers Compensation risks If you have a manufacturing client with a challenging Workers Compensation history or a complex operations profile, we want to see it. For example, you might have a metal fabrication shop with prior large losses or a commercial bakery expanding into multiple states—both are strong candidates for this program. Coverage Highlights and Advantages Fast quote turnaround to keep placements moving Access to multiple "A"-rated carriers (varies by state) Stand-alone Workers Compensation policies Guaranteed cost, dividend, and retro-rated plan options High-deductible structures available Integrated, customized account handling and advocacy We focus on flexible, market-driven solutions. Whether the client prefers a traditional guaranteed cost policy or a high-deductible program, we’ll help structure the coverage to match the risk and budget. Underwriting Notes and Submission Requirements Minimum premium: $10,000 ACORD 130 application 3–4 years of loss runs Details on any large losses Completed supplemental questionnaire Including these documents with your submission will expedite review. Our underwriters evaluate each account promptly and will work with you on reasonable risk-management strategies when appropriate. States 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. Market availability and carrier options may vary by state. We offer both admitted and non-admitted solutions depending on the risk and jurisdiction. Why Work With Novatae Risk Group? With more than 30 years of experience in the manufacturing sector, Novatae Risk Group and our partners know how to place complex Workers Compensation risks. We combine underwriting expertise, strong carrier relationships, and responsive service to help you place difficult accounts and deliver competitive terms to your clients. Need a quote for a manufacturing client? Email your submission to [email protected] or call us at 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of manufacturing businesses are eligible for this program?We can accommodate a wide range of manufacturers, including plastics, metals, food processing, industrial equipment, and similar sectors—especially those viewed as high hazard or hard to place. Can you help with accounts that have been cancelled or non-renewed?Yes. The program is designed to handle distressed and difficult accounts, including those that have been cancelled, non-renewed, or lack prior coverage. Is this program available for new ventures?Yes. We accept startup manufacturing businesses and new ventures, even if they have limited or no Workers Compensation history. What documents are required to submit a risk?Provide a completed ACORD 130, 3–4 years of loss runs, details on any large losses, and the supplemental questionnaire to start the underwriting review. Which states is this program available in?The program is available in most U.S. states. Carrier options and admitted status vary by state, so contact us to confirm market availability for your client's location. Need help placing an account? Connect with a market specialist.

...etitive solutions for this niche industry. Whether your client operates a smal...

Program Overview from Novatae Risk Group Novatae Risk Group offers a focused USL&H - Marine Workers Comp program to help agents place challenging and specialty marine accounts. Whether your client works on vessels, on piers, or onshore adjacent to navigable waters, this program delivers workers’ compensation solutions tailored to maritime and waterfront exposures. Novatae places business with several top-rated carriers (markets as high as AXV by A.M. Best) and provides access to both admitted and non-admitted markets. Ideal Accounts and Appetite This program is built for businesses that require USL&H coverage — from clean-mod operations to accounts with elevated experience mods or prior lapses. Novatae will consider a wide range of marine and waterfront class codes and is comfortable underwriting risks that don’t fit standard markets. Targeted Industries Include: Boat service and repair contractors Fishermen and fishing tour operators Scuba diving trainers and ski rental operators Marina operators and shipbuilders Bridge builders and painters Dock, pier, and marine construction contractors Offshore oil and platform workers Artisan, Trade, and Service Contractors That May Need USL&H: Electricians, painters, and carpenters working over, from, or adjacent to navigable waters Crane installation and repair crews Engine and refrigeration repair technicians HVAC and sheet metal contractors Wallboard installers and concrete workers operating on marine projects Ship cleaning and passenger vessel operations Program Highlights Multiple carrier options — flexibility to place difficult risks Aggressive pricing strategies when appropriate Broad acceptance of class codes and unique marine exposures First-dollar coverage options available Loss-sensitive and high-deductible plan structures Monthly payroll reporting available Not a PEO — this is a traditional workers' compensation program Underwriting Notes and Minimum Premiums Minimum premiums typically start at $10,000 in most states. Novatae evaluates accounts with elevated X-mods and does not automatically decline risks with prior lapses in coverage. Final terms depend on class mix, payroll, loss history, and project details. Territory and Market Access The USL&H - Marine Workers Comp program is available in most U.S. states, including coastal and inland regions: 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. Why Work With Novatae Risk Group As a Managing General Underwriter and E&S broker, Novatae combines niche underwriting expertise with market access for marine and USL&H exposures. Their team focuses on practical placement solutions for accounts that are difficult to place in standard markets and works with agents to structure terms that balance coverage and cost. You might bring Novatae a marina with on-site repair operations and mixed class codes, or a contractor performing bridge work over navigable waters — both are the sort of accounts this program targets. Novatae’s flexibility and carrier relationships make it a strong option when traditional markets say no. Frequently Asked Questions What types of accounts are a good fit for this USL&H program?This program suits marine-related businesses such as boat repair contractors, marina operators, offshore oil workers, and artisan contractors who work on or adjacent to navigable waters. Can I submit accounts with a high experience mod or no prior coverage?Yes. Novatae accepts accounts with high X-mods and is open to risks with lapsed or no prior coverage, subject to underwriting review of the total risk profile. Is this a PEO solution?No. This is a traditional workers' compensation program (not a PEO). Policies are issued through admitted and non-admitted carriers with direct coverage for insureds. What is the minimum premium for this program?Minimum premiums generally start at $10,000 in most states. Actual pricing will vary based on class codes, payroll, loss history, and selected coverage options. In which states is the program available?The program is available in most U.S. states, including coastal and inland regions. See the territory list above for specific states. Need help placing an account? Connect with a market specialist.

...ique exposures in the healthcare industry: Primary professional liabili...