https://completemarkets.com/company/novatae/workers-compensation-coverage-for-paving-contractors/
Workers Compensation Insurance for paving contractors is often costly because the work is high-risk. Crews face hazards such as burns from hot asphalt, chemical and fume exposure, respiratory irritation from smoke, and physical injuries like back strains, sprains, or hernias from lifting and equipment operation. Even well-managed paving businesses can have severe or frequent claims, so placing the right workers’ comp program is essential to protect your clients and control long-term costs.
Novatae Risk Group, in partnership with Empire Underwriters, leverages more than 30 years of experience helping agents and brokers place tailored Workers Compensation solutions for paving contractors. We combine underwriting expertise for high-hazard classes with access to multiple carrier options so you can find terms for accounts that are difficult to place in standard markets.
Ideal Accounts and Appetite:
Experience MOD of 1.30 or higher
High-hazard or difficult class codes (paving, asphalt, surface prep)
Blue-, gray-, and white-collar workforces
Accounts currently in state pools or assigned risk funds
Distressed, lapsed, or canceled policies
New ventures with no prior coverage
Multi-state operations and accounts with out-of-state exposures
Hard-to-place workers compensation risks requiring specialty markets
This program is built for accounts other carriers may decline or price aggressively — including contractors with prior claims, complex payroll mixes, or multi-jurisdictional exposures. If you have an insured that has been assigned to a state fund, is new to the trade, or has an elevated MOD, this program is designed to provide practical placement options.
Coverage Highlights and Advantages:
Fast turnaround on submissions to keep placement timelines tight
Access to many "A" rated carriers and surplus markets (varies by state)
Stand-alone workers compensation policies and integrated work comp solutions
Guaranteed cost programs as well as dividend and retrospective (retro) plans
High-deductible and large-loss financing options
Custom account handling and flexible underwriting for qualified risks
Underwriting Requirements and Minimum Premium:
Completed ACORD 130 application
3–4 years of loss runs
Detailed explanations and documentation for any large or recurring losses
Completed supplemental questionnaire when requested
Minimum premium starts at $10,000. Underwriting flexibility is available for certain qualified accounts; submit complete information to get the most favorable consideration.
Territories and Availability:
This program is available in most states. Representative availability includes 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. Multi-state exposures are handled regularly — provide jurisdictional payroll details with submissions.
Why Work With Novatae Risk Group:
As a Managing General Underwriter and Excess & Surplus Lines broker, Novatae Risk Group offers deep market access and specialty underwriting for challenging workers compensation placements. Our relationship with Empire Underwriters gives you direct pathways to a variety of admitted and non-admitted carriers. We focus on practical placement, responsive underwriting, and account-level flexibility that helps you keep business with your clients.
Need a Workers Compensation Insurance quote for a paving contractor client?
Send an email to
[email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately.
Example accounts that typically fit this program:
A regional paving contractor with a MOD of 1.45, multi-state payroll, and several prior medical-only claims seeking alternatives to the assigned risk pool.
A start-up asphalt surfacing business with limited loss history and mixed class codes needing stand-alone workers comp coverage and flexible payroll handling.
Frequently Asked Questions
What types of accounts are a good fit for this Workers Compensation program?Paving contractors with elevated MODs, hard-to-place class codes, prior losses, multi-state operations, or those currently in assigned risk pools. New ventures are also considered when documentation is provided.
Can I submit accounts with lapsed or canceled coverage?Yes. Distressed accounts, including those with lapsed or canceled policies, are within the program’s appetite when underwriting requirements are met and loss explanations are provided.
What documents are required to get a quote?Provide a completed ACORD 130, 3–4 years of loss runs, details and reserves for any large losses, and a completed supplemental questionnaire if requested by underwriting.
Is this program available in all states?The program is available in most states, including major paving markets such as CA, TX, FL, NY, and IL. We routinely handle multi-state exposures; list all jurisdictions on the submission.
What is the minimum premium for eligible accounts?The minimum premium requirement is $10,000. Final pricing depends on payroll, loss history, class mix, and underwriting evaluation.
Need help placing an account? Connect with a market specialist.
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