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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.

Policy Highlights: Overview — Colonial General Insurance Agency, Inc. Swimming Pool Contractors Insurance Colonial General Insurance Agency offers a focused program for swimming pool contractors, installers, maintenance providers and pool management operations. As an MGA and Excess & Surplus lines broker, Colonial General places mono-line or package Property and Liability coverages through a variety of admitted and non-admitted markets (admitted paper is available in some markets). This program is designed for independent agents who need flexible limits, specialty endorsements for pool exposures, and access to umbrella/excess capacity. Ideal Accounts and Appetite Residential and small commercial pool builders and installers Pool service and maintenance contractors (weekly service, chemical application) Pool dealers and equipment installers Community and private pool management firms (including lifeguard operations) Per-project contractors working on single-site or small multi-site installations Typical accounts have straightforward install/maintenance operations, licensed contractors, and standard safety procedures. The program is not intended for large water parks, major aquatic complexes, or highly activated public municipal pools with significant spectator exposures — contact the MGA for borderline or larger accounts. Coverage Highlights and Advantages Commercial General Liability: Primary limits available up to $3,000,000 (Occurrence and Aggregate) $5,000 Medical Payments coverage included Chemical Applicator coverage included at policy limits (for accounts that apply pool chemicals) Excess / Umbrella capacity up to $25,000,000 where available Pool-specific endorsements and sub-limits: Pool “Pop-Up” coverage — typical sub-limits $50,000 / $100,000 (higher limits may be available) Lost Key coverage — $25,000 liability limit for maintenance or management classes Sexual / Physical Abuse sub-limits — $25,000 / $50,000 for management/lifeguard operations (higher limits available on request) Limited Participant Coverage and Errors & Omissions (E&O) — available for qualifying management accounts Property options: Basic, Broad or Special form; Building, Business Income, Contents, Equipment Breakdown; Replacement Cost or ACV Crime coverage: inside/outside premises, theft of money & securities, robbery/safe burglary options Included risk controls: Additional Insureds and Waiver of Subrogation endorsements for contractor relationships and project work Underwriting Notes Underwriting focuses on contractor experience, licensing, training for chemical handling, client type (residential vs. commercial), and safety procedures for lifeguard/management operations. Per-project aggregate and limits for project-based contractors are available; provide project values and contract terms with submission. Claims history, subcontractor controls, and written procedures for pool chemicals and lifeguard training materially affect pricing and terms. Carriers and terms vary by state and individual risk — Colonial General will guide you to admitted or E&S placement depending on availability and account specifics. Territories and Availability This program is available in the following states: AZ, CA, CO, ID, NV, NM, UT, WY. Admitted capacity exists in some markets; otherwise risks are placed non-admitted through E&S carriers. Availability and forms differ by state — confirm market placement and capacity for each submission. Submission Checklist & Example Scenarios To speed placement, include: Completed application describing operations, payroll, receipts and number of pools serviced/installed Loss runs (3–5 years preferred) Copies of standard contracts and subcontractor agreements Safety and chemical handling procedures, lifeguard certification details if applicable Example scenarios: A local residential pool builder who installs fiberglass and gunite pools for single-family homes — needs CGL with per-project aggregate and limits up to $1–2M, plus installer’s property coverage for tools and equipment. A community pool management company that provides lifeguards for homeowner associations — needs liability with sexual/physical abuse sub-limits, limited participant coverage, and E&O protections for programming decisions. Why Place This Business With Colonial General Specialized underwriting for pool contractors and management exposures Access to admitted and E&S markets and high excess capacity where required Policy forms and endorsements tailored to pool-specific risks (chemical applicator, pop-up events, lost key, etc.) Responsive MGA placement and support for complex or multi-state accounts Frequently Asked Questions What types of pool-related businesses are a good fit for this program?Residential and small commercial pool builders, maintenance and service contractors, dealers/installers, and pool management firms with standard lifeguard programs are prime fits. Large aquatic parks and high-spectator venues typically do not fit this program. Are admitted policies available or is coverage only non-admitted?Colonial General places business in both admitted and E&S markets. Admitted options are available in some states/markets; if admitted capacity is not available for a particular risk, the program can place coverage through non-admitted carriers. What underwriting information helps secure the best terms?Provide recent loss runs, detailed descriptions of operations (installation vs. maintenance), contracts and subcontractor controls, chemical handling procedures, and lifeguard certification/training records for management accounts. These items help underwriters assess risk and offer appropriate limits. Need help placing an account? Connect with a market specialist.