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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.