Search CompleteMarkets

...age. We write traditional row crop farms, livestock operations, and mixed-use ...d livestock?Yes. We welcome mixed-use farms and can tailor coverages to addres...

...ne-assisted therapy programs Horse sales activities Homeowner asso...nclude care, custody, and control for horses?Yes. Care, custody, and control is included per horse and for non-owned property in the ...

...rds and Wineries Livestock and Horse Farms Nurseries and Greenhouses Cot...his program?This program is ideal for farms, ranches, vineyards, nurseries, an...

... and equine risks, including: Horse boarding and training facilities ...his program?This program is ideal for horse trainers, boarding stables, mobile...

...lements and implements dealers Horse and utility trailers Hitch and to...

Agriculture Workers Compensation Insurance can be difficult to place, especially for high-hazard or distressed accounts. Through Novatae Risk Group’s program, powered by Empire Underwriters, independent agents and brokers gain access to a reliable market backed by an "A"-rated carrier. This exclusive program is designed to help you secure workers' compensation coverage for a wide range of agriculture and farm-related risks, including those that are traditionally hard to write. Whether you're working with a new venture, a client with a high experience mod (MOD 1.30+), or an account that’s been declined, non-renewed, or lapsed, Novatae provides flexible solutions. Our brokers bring over 20 years of experience handling workers compensation placements and specialize in creative strategies for tough accounts. We move quickly and offer custom account handling to help you meet your clients’ deadlines and risk management needs. To discuss your Agriculture Workers Compensation Insurance accounts, call our experienced brokers at 800-758-8113. Ideal Accounts and Appetite: Experience Mods of 1.30 or higher High-hazard or tough-to-place classes Blue, gray, and white collar agriculture-related operations Accounts currently in state pools or assigned risk funds Distressed, lapsed, cancelled, or non-renewed accounts New ventures without prior coverage Multi-state exposures Coverage Highlights and Program Features: Access to multiple "A"-rated carriers Fast quote turnaround Standalone workers compensation available Guaranteed cost options Integrated workers comp solutions Dividend and retroactive plans High deductible programs Custom account handling by experienced brokers Submission Requirements: Completed ACORD 130 application 3–4 years of currently valued loss runs Details on any large losses Supplemental questionnaire (industry-specific) Underwriting Notes and Minimum Premiums: The minimum premium for this program starts at $10,000. Our underwriters are experienced in evaluating complex risks and can work with you to find a solution, even for accounts with challenging histories or higher-than-average claims activity. Territories and Availability: This program is available in most states, including but not limited to: 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. Carriers and terms may vary by state. Why Work With Novatae Risk Group: Novatae Risk Group, through Empire Underwriters, offers solutions for hard-to-place agriculture workers compensation accounts. We are a Managing General Underwriter and Excess & Surplus Lines Broker with access to a wide range of markets and decades of specialized experience. Our team is known for responsive service, expert underwriting, and creative problem-solving. Need a quote for Agriculture Workers Compensation Insurance? Email your submission to [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for agriculture-related businesses with high MODs, multi-state operations, prior losses, or those in state pools. New ventures are also welcome. Is this program available for distressed or lapsed policies?Yes. We specialize in handling distressed accounts, including those that have been cancelled, non-renewed, or have a lapse in coverage. How quickly can I get a quote?Most quotes are turned around quickly once all required submission materials are received, including ACORD applications and loss runs. Are multi-state exposures eligible?Yes, multi-state operations are one of our specialties, and we can help you find solutions for complex geographic risks. What is the minimum premium for this program?The minimum premium starts at $10,000, though pricing will vary based on risk characteristics and underwriting review. Need help placing an account? Connect with a market specialist.

Protecting the American Dream is our specialty. Midlands provides tailored, comprehensive insurance solutions for small and mid-sized businesses. This flexible Business Owners Commercial Package Policy lets you mix and match coverages so your clients get a package that meets their unique operations and exposures. Let Midlands’ underwriting team evaluate the risk and deliver a prompt, market-informed quote. Coverage Available: • Commercial auto • General liability • Umbrella/excess • Property • Inland marine • Workers compensation • Liquor liability • More based on type of risk *Please note that coverage is subject to policy terms, conditions, exclusions, underwriting review and approval and may not be available for all risks or in all states. Rates, discounts and underwriting rules vary, are determined by many factors and are subject to change. Program Highlights: • Low minimum premiums • Competitive commissions • New class codes continuously added • Ability to build customized programs to match unique risks and coverage needs • Admitted and non-admitted paper available • Prompt quotes • Superior claims handling, service and benefits coordination • Direct access to a skilled underwriting team with decades of combined experience The Midlands Business Owners Commercial Package Policy is convenient to place and supports more than 600 classes of business. We maintain a broad appetite that includes — but is not limited to — the examples listed below. • Private Schools • Landscaping • Investment Advisors • Health Clubs • Agriculture • Child Care • Gyms • Nonprofits • Charter School • Farm/Ranch • Wholesalers • Distributors • Light Manufacturing • Youth Camps • Day Care Centers • Yoga Studio • Preschools • Asset Managers • Recreation Centers • Museums • Fishing/ Hunting Lodge • Pest Control • Charter Schools • Colleges • Emergency Medical Transportation • Non-emergency Medical Transportation • Trade Schools • Dance Schools • Human Services • Boys & Girls Clubs • Equine Risks • Food Banks • Sports Camps/Clinics • Counseling Services • Show Animal Clubs • Retail • Carpet Cleaning • Fence Installation • Bakery • Electrician • Healthcare • Convenience Store • Barber Shop • Cafe • Clerical • Carpentry • Grocery • Sandwich Shop • Landscaping • Ice Cream/Yogurt Shop • Restaurant • Dentist • Bicycle Shop • Florist • Optometrist • Accountant • Hair Salon • Wholesale • Distribution • Chiropractors • Candy Store • Consulting Firm • Photographers • Doctors • Title Agents • Tailor • Shoe Repair • Physical Therapist • Book Store • Insurance Agents • Orthodontists • Beauty Supply • Interior Decorators • Jewelry Repair • Engravers Your clients have worked hard to build their businesses. Midlands’ Business Owners Commercial Package Policy is designed to exceed expectations and safeguard your clients’ livelihoods. Contact us today for a quote. Ideal Accounts and Appetite Midlands is focused on small to mid-sized commercial risks that need a flexible package solution. This program works well for owner-operated businesses, professional service firms, light manufacturing, retail and food service, childcare and educational operations, nonprofits, and selected habitational and recreational exposures. Accounts with straightforward operations, well-documented loss control, and reasonable payroll/revenue levels are a strong fit. Examples you may see as an agent: A neighborhood bakery with property, general liability and commercial auto exposures looking for an admitted package. A small landscaping company that needs property, inland marine for equipment, and workers’ compensation on a non-admitted placement. Coverage Highlights and Advantages Package flexibility — combine property, liability, auto, workers’ compensation and ancillary coverages to create a tailored program. Access to admitted and non-admitted markets depending on state and risk characteristics. Direct underwriting access — quick responses and the ability to negotiate tailored terms for unique risks. Broad class code appetite with new classes added regularly to meet evolving agent needs. Coordinated claims support and benefits handling to help your insureds return to business faster after a loss. Underwriting Notes and Minimum Premiums Underwriting review and approval apply. Coverage availability and pricing depend on class code, limits, loss history, exposure details and state regulations. Minimum premiums vary by carrier and state — please note the program’s minimum premium guidance is listed as: Varies. For unusual exposures, large limits, or operations with significant loss activity, submit full details for evaluation. Territories and Availability This program is available in the following jurisdictions: AL, 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, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Placement options include admitted and non-admitted paper depending on state and carrier appetite; Midlands works across most available markets to find the right fit. Why Work With Midlands Management Corp on This Business Managing General Agency and carrier relationships with multiple markets to maximize placement options. Experienced underwriting team that offers practical, solution-oriented guidance to agents. Competitive commissions and low minimum premium options where available. Prompt quoting and responsive service to keep your submission pipeline moving. Frequently Asked Questions What types of accounts are a good fit for the Midlands Business Owners (BOP) Commercial Package Policy?Small to mid-sized owner-operated businesses such as retail shops, restaurants, light manufacturers, professional services, childcare and community organizations—especially accounts that need a flexible combination of property, liability, auto and workers’ comp coverages. Are admitted and non-admitted placements available?Yes. Midlands places paper on both admitted and non-admitted bases depending on the state, class, and risk characteristics. Underwriters can advise on the best route for each account. What information should I include on submission to get a fast response?Provide a signed application, current loss runs (typically three to five years), revenue/payroll exposure details, and descriptions of operations and risk control measures. For accounts with vehicles or employees, include auto schedules and payroll breakdowns. Need help placing an account? Connect with a market specialist.