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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.

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.

Overview — Citadel Insurance Services: Wholesaling Insurance Citadel Insurance Services offers liability insurance solutions designed for wholesalers, distributors, and importers. Our Wholesaling Insurance program focuses on accounts that can be difficult to place in standard markets — including product importers, national distributors, and specialty wholesalers across a wide range of product lines. As a managing general agency, Citadel leverages multiple carrier relationships to find admitted and non-admitted placement options and underwriting flexibility for harder risks. Target Classes and Ideal Accounts This program is a good fit when your client is a wholesaler, importer, or distributor that needs broad commercial general liability and product liability coverage. Typical targets include: Recreational products distributors Consumer goods wholesalers Life science product importers Automobile performance parts suppliers Chemicals and industrial supplies Plastics and molded components Electrical products and components Cleaning products and janitorial supply distributors Other specialty importer/wholesaler operations with complex recall, labeling, or cross-border exposures Coverage Highlights and Advantages Citadel’s wholesalers program is focused on liability exposures that matter most to distributors and importers: product liability, general liability, completed operations, and coverage extensions related to import/export activity. Advantages agents can expect: Access to multiple carrier markets and appetite flexibility for hard-to-place classes Placement options that include admitted and non-admitted carriers (some admitted markets available) Underwriters experienced in product stewardship, traceability, and third-party testing exposures Ability to handle complex distribution chains, private label arrangements, and importation risks Underwriting Notes and Minimum Premium To quote effectively, be prepared to provide a clear description of the product lines, supply chain (import sources), average annual sales by product line, quality control and testing procedures, recall history, and any existing product control protocols (labeling, instructions, consumer warnings). Accounts with product testing documentation and robust recall plans typically receive more competitive terms. Minimum premium: $2,500. Pricing and placement will vary by product category, sales volume, and loss history. Appetite and Common Restrictions Good fits: Wholesalers and importers with diversified product lines and established quality controls Accounts needing product liability wrap for private label operations Distributors seeking completed operations coverage for installation or repair services Not typically a fit: Retail storefronts that sell directly to consumers (unless packaged with wholesale operations) High-hazard chemical manufacturers without documented controls or significant loss history Accounts with unresolved or frequent product recalls without corrective action plans Territories and Availability Available in the following jurisdictions: 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, WY. Market availability and admitted status vary by state and by carrier — Citadel will help identify the best placement for each jurisdiction. Why Work With Citadel on Wholesaling Insurance As a managing general agency focused on hard-to-place risks, Citadel Insurance Services pairs specialized underwriting with broad carrier access. Our broker partners benefit from pragmatic underwriting, quicker appetite responses, and tailored terms for complex distribution and import exposures. Use this program to help retain accounts you might otherwise have to refer out or decline. Example Scenarios You have a regional importer of recreational products that supplies retailers across multiple states and needs product liability limits plus a recall response plan — Citadel can seek markets that will consider the account with documented testing and recall controls. A distributor of automobile performance parts sells to installers nationwide and needs completed operations coverage for installed parts — this program can evaluate completed operations exposures alongside product liability. Frequently Asked Questions What types of accounts are a good fit for Citadel’s Wholesaling Insurance program?Accounts that are primarily wholesalers, distributors, or importers of consumer, industrial, or specialty products are ideal — particularly when they need product liability, completed operations, or import-related liability solutions and have documented quality controls. What submission information does Citadel need to quote?Provide a description of product lines, annual sales by product, supply chain/import origins, loss and recall history, product testing or quality control procedures, and any safety or labeling programs. Photos, MSDS (if applicable), and copies of agreements for private label work help accelerate review. Are admitted markets available and where can business be placed?Citadel works with a mix of admitted and non-admitted carriers; some admitted markets are available. The program is available in the states listed above, and Citadel will identify the best market based on the account and jurisdiction. What is the minimum premium and typical turnaround time?The program minimum premium is $2,500. Turnaround depends on account complexity; straightforward wholesale-only accounts with complete submission materials typically receive preliminary responses faster than multi-jurisdictional or high-exposure submissions. Need help placing an account? Connect with a market specialist.

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