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GlassPro® from NIP Group is a specialty insurance program built for the glass industry. Whether your client is a glazier, glass dealer, or installer, GlassPro® delivers tailored coverages that address the risks of glass handling, transport, and installation...gements to expedite underwriting. Can GlassPro® cover installation floaters an...

...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...

...alty Is Insuring the Hospitality Industry Overview — Hotel / Motel Insurance ...

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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.

Standalone Workers Compensation for Staffing Companies from Novatae Risk Group Novatae Risk Group offers a focused Workers Compensation program built for staffing agencies. Whether your clients place clerical staff, light industrial labor, healthcare support, or skilled trades, Novatae provides flexible underwriting, competitive terms, and capacity for accounts that are difficult to place — including those with elevated experience modifications (X-Mods) or recent lapses in coverage. Program Highlights: Aggressive pricing and competitive placement options Guaranteed-cost program structure Broad class-code acceptance for staffing placements High X-Mods accepted Lapse in coverage — acceptable with proper underwriting Ideal Accounts and Appetite This program is designed specifically for staffing companies with at least $1,000,000 in payroll and is a strong fit when your client places employees across multiple exposure types. Common placements include: Light industrial and warehouse workers Healthcare staffing (non-hospital settings) Clerical and administrative personnel Skilled trades and construction support Example scenarios where Novatae often provides value: you have a staffing client who recently expanded into warehouse labor and now exceeds $1M payroll with a spotty loss history, or a long-standing agency that experienced a short lapse in coverage during a corporate transition. Both are typical submissions for this program. Coverage Highlights and Advantages Access to several national and regional A-rated carriers Placement in admitted or non-admitted markets depending on state and risk profile Underwriting tailored to the staffing model — payroll verification, client/host employer rules, and multi-class exposures Fast response times and hands-on underwriting support for complex accounts Underwriting Notes and Minimum Premiums Minimum account guidelines: Minimum payroll: $1,000,000 Minimum premium: $100,000 Novatae will consider accounts with high X-Mods and recent coverage lapses, but pricing and terms will reflect the loss history and risk controls. Typical submission documentation includes ACORD applications, currently valued loss runs, a current declarations page, and an X-Mod worksheet. Territories and Market Access The program is available in most states, including but not limited to CA, TX, FL, NY, IL, and GA. Novatae works with multiple admitted and non-admitted carriers and will match the state, class mix, and account profile to the appropriate market. Why Work With Novatae Risk Group? As a managing general underwriter and E&S broker, Novatae combines staffing niche expertise with broad carrier relationships. Agents benefit from creative underwriting, market access for hard-to-place risks, and responsive service that helps move submissions quickly to binding. If you need a partner to place complex staffing Workers Comp accounts, Novatae is positioned to help. THIS IS NOT A PEO Do you need a Workers Comp insurance quote for a staffing company? 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 staffing companies are eligible for this Workers Comp program?Eligible accounts are staffing agencies with at least $1,000,000 in payroll. The program accepts a wide range of class codes—from clerical and administrative to light industrial and skilled labor placements. Can I submit accounts with high experience mods or lapses in coverage?Yes. Novatae accepts submissions for accounts with high X-Mods and for those that have had a recent lapse in Workers Compensation coverage; underwriting will evaluate loss trends and controls when pricing. What documentation is required for a submission?Provide an ACORD 130 application, 3–5 years of currently valued loss runs, the current policy declarations page, and an experience modification (X-Mod) worksheet. Is this a PEO solution?No. This is a standalone Workers Compensation insurance program, not a Professional Employer Organization (PEO) arrangement. In which states is this program available?The program is available in most states, including CA, TX, FL, NY, IL and others. Novatae will determine admitted vs non-admitted placement based on the state and account profile. Need help placing an account? Connect with a market specialist.

Continental Risk / Continental Marine Insurance Services offers comprehensive Directors and Officers (D&O) insurance solutions tailored for both non-profit and for-profit organizations. This program is designed to help insurance agents and brokers place coverage that protects key decision-makers and entities from a wide array of management liability exposures. The D&O program covers directors, officers, trustees, employees, volunteers, and the organization itself. It goes beyond traditional liability coverage to address complex and emerging risks, including allegations of fraud, misrepresentation, unfair competition, employment practices violations, and mismanagement of employee or pension benefit plans. Ideal Accounts and Appetite Private Companies: Closely held businesses across most industries. Not-for-Profit Organizations: Including charities, associations, and foundations. Public Entities: Select publicly traded companies (contact for underwriting review). Excess Coverage: Available for companies seeking additional layers of protection. Coverage Highlights and Advantages Directors & Officers Liability: Protects insureds from claims related to management decisions and negligence in their executive roles. Fiduciary Liability: Covers fiduciary duties related to employee benefit plans; available on a primary or excess basis. Employment Practices Liability: Addresses claims such as wrongful termination, discrimination, and sexual harassment. Tenant Discrimination Coverage: Helps property owners and managers defend against discrimination claims brought by prospective, current, or former tenants. Underwriting Notes and Minimum Premiums Primary and excess options are available with flexible structuring. Separate limit towers and retentions can be applied for each coverage part. Coverage is non-cancellable except for non-payment of premium. Capacity limits up to $10 million are available. Primary coverage suitable for entities with revenues up to $750 million. Excess coverage available with no revenue threshold. All classes considered except financial institutions. Minimum premiums vary depending on risk characteristics. Territories and Availability Available in all 50 states and Washington, DC. Some markets are admitted, while others are non-admitted, depending on jurisdiction and risk profile. Why Work With Continental Risk Continental Risk is an experienced Excess & Surplus Lines Broker with access to a broad spectrum of carriers. They offer tailored solutions for complex management liability exposures across various industries. Their underwriting team understands the nuanced needs of both non-profit and corporate clients. Responsive service and flexible program design help agents secure competitive coverage for difficult-to-place risks. Whether you have a non-profit board seeking protection for its volunteers or a mid-sized private company concerned about employment practices claims, Continental Risk provides a robust and flexible D&O insurance solution. Their expansive state availability and ability to write both primary and excess layers make them a valuable partner for agents placing management liability accounts. Frequently Asked Questions What types of accounts are a good fit for this D&O program?This program is ideal for private companies, not-for-profit organizations, and select public companies seeking primary or excess Directors and Officers coverage. Does the program include employment practices liability?Yes, Employment Practices Liability Insurance (EPLI) is available and covers claims such as wrongful termination, discrimination, and harassment. Can I write coverage in any state?Yes, this program is available in all 50 states and Washington, DC. Admitted status may vary by market and state. What is the maximum coverage limit available?Capacity limits are available up to $10 million, depending on the risk and coverage part. Is there a revenue cap for eligible accounts?Primary coverage is available for companies with revenues up to $750 million. There is no revenue limit for excess placements. Need help placing an account? Connect with a market specialist.

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