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Furniture upholstery businesses provide an essential service, helping customers restore and refresh their furniture instead of replacing it. However, upholstery work often involves physical labor, tools, and exposure to injury risks, making Workers Compensation coverage a critical part of protecting your clients’ operations and staff. Novatae Risk Group, through Empire Underwriters, offers a specialized Workers Compensation Insurance program tailored for furniture upholstery operations. This program is designed to give insurance agents and brokers access to competitive solutions for this niche industry. Whether your client operates a small custom shop or a larger upholstery business, our program helps you address their unique risk exposures with confidence. Ideal Accounts and Appetite Furniture upholstery shops with employees performing hands-on restoration, repair, and reupholstery work Independent and family-owned businesses looking for stable Workers Comp markets Accounts with prior coverage and manageable loss histories You might have a client with a small team of upholsterers who work in-house on custom furniture pieces. They’ve had a few minor injuries in the past, and now they’re looking for more reliable coverage options—this program could be a fit. Program Highlights and Benefits Minimum premium starting at just $7,500 10% commission for producers Fast quote turnaround with complete submissions Access to multiple carriers—coverage available in over 20 states Expert underwriters with experience in niche industries like upholstery This Workers Compensation program helps protect against workplace injuries, covering medical expenses, lost wages, and employer liability exposures. It’s a valuable tool in helping your clients stay compliant and protect their workforce. Submission Requirements Completed Acord 130 application 3 years of loss runs Supplemental questionnaire specific to upholstery operations Details on any large losses Send your submissions to [email protected] or call 800-758-8113 to speak with an underwriter directly. Territory and Market Access This program is available in over 25 states, including but not limited to: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, and WV. We work with both admitted and non-admitted markets depending on state availability and specific risk characteristics. Why Work With Novatae Risk Group? Novatae Risk Group is a trusted Managing General Underwriter and Excess & Surplus Lines Broker with access to diverse markets and programs. Our partnership with Empire Underwriters allows us to offer targeted Workers Compensation solutions for industries that may be underserved by standard carriers. We’re committed to helping agents grow their business while protecting their clients with tailored coverage and responsive service. Need a quote for a Furniture Upholstery Workers Compensation account? Call 800-758-8113 or email [email protected] to get started today. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for furniture upholstery businesses with employees performing reupholstery, refinishing, or repair work. Accounts with stable operations and manageable loss history are preferred. In which states is this Workers Compensation program available?The program is available in over 25 states, including CA, FL, TX, NY, and others. Contact us to confirm eligibility in your client’s location. What is the minimum premium for this program?The minimum premium starts at $7,500, depending on the risk profile and underwriting details. What submission documents are required?We require a completed Acord 130, 3 years of loss runs, a supplemental questionnaire, and details on any large losses. How quickly can I get a quote?Quotes are typically turned around quickly once a complete submission is received. Our underwriters work efficiently to support fast-moving opportunities. Need help placing an account? Connect with a market specialist.

MANUFACTURERS & DISTRIBUTORS INSURANCE Comprehensive Solutions from Ck Specialty Insurance Ck Specialty Insurance Associates, Inc. offers a tailored Manufacturers & Distributors Insurance program designed to meet the complex needs of businesses involved in manufacturing, importing, and distributing a wide range of products. As a Western-based, family-owned MGA and Surplus Lines Broker, Ck Specialty provides retail insurance agents with access to a broad array of A-rated carriers, including domestic and London-based markets. This program is ideal for agents seeking comprehensive coverage solutions for manufacturing and distribution clients operating in Idaho, Washington, and Nevada. With in-house binding authority and access to over 40 markets, Ck Specialty delivers speed, flexibility, and expert underwriting for hard-to-place or specialized risks. Target Classes and Appetite This program has a wide risk appetite, including but not limited to: Machinery & Equipment Chemicals, Pharmaceuticals, & Neutroceuticals Medical Devices & Ingestibles Electronics & Automotive Parts Clothing, Cosmetics, & Infant/Child Products Food & Beverage Products Wood, Metal, and Tough Products Animal-Based Products and E-Cigarettes/Vaporizers Whether you have a client manufacturing medical-grade electronics or distributing imported cosmetics, this program can accommodate a variety of niche product lines and industry segments. Coverage Highlights and Options Ck Specialty’s Manufacturers & Distributors program includes a robust suite of coverages to address the full spectrum of liability and regulatory exposures: General Liability (including Product Liability) Excess Liability Property Professional Liability (E&O) Directors & Officers (D&O) Employment Practices Liability Pollution Liability These coverages are designed to protect clients across their operations—from production and packaging to distribution and post-sale liability. Program Features and Underwriting Minimum premiums starting at just $500 All carriers are A-rated or better In-house binding authority for faster turnaround Access to 40+ domestic and international markets Flexible underwriting for unique or emerging risks This non-admitted program is particularly well-suited for accounts that may not fit into standard markets due to product type, distribution channels, or previous claims history. Territorial Availability This program is currently available to retail agents and brokers placing business in the following states: Idaho (ID) Washington (WA) Nevada (NV) Agents in these states can leverage Ck Specialty’s local market knowledge and long-standing carrier relationships to secure competitive solutions for their manufacturing and distribution clients. Why Partner with Ck Specialty? As a trusted partner to retail brokers, Ck Specialty Insurance is committed to opening new market doors and helping you place hard-to-insure business. With deep expertise in manufacturing and distribution risks, flexible underwriting, and access to a wide range of top-tier carriers, they make it easier for you to secure the right coverage for your clients—quickly and efficiently. If you're working with a client who manufactures custom machinery or imports niche consumer goods, Ck Specialty can help you find the right market at the right price. Ck Specialty Insurance: Opening market doors…for you. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for manufacturers, importers, and distributors of products such as electronics, chemicals, medical devices, clothing, cosmetics, and more—including niche and hard-to-place risks. What is the minimum premium for this program?The program offers minimum premiums starting at $500, making it accessible for a wide range of small to mid-sized accounts. Is this program available in admitted markets?No, this is a non-admitted program offered through numerous A-rated carriers, including London and domestic markets. What states is this program available in?This program is currently available in Idaho, Washington, and Nevada. Can I submit accounts with challenging or unusual product lines?Yes, Ck Specialty has a flexible underwriting approach and a broad appetite that includes ingestibles, e-cigarettes, and other tough-to-place product types. Need help placing an account? Connect with a market specialist.

Running a sound and audio installation business requires more than technical skill — it also requires effective risk management. Workers Compensation Insurance protects employees and businesses from workplace injuries in an industry where hands-on work, ladders, tools, and frequent site visits are part of the daily routine. Novatae Risk Group, through its Empire Underwriters division, offers a specialized Workers Compensation Insurance program tailored for sound and audio installation contractors. Built for the exposures common to this niche, the program helps agents and brokers place difficult or underserved workers comp accounts across more than 20 states. Ideal Accounts and Appetite This program targets businesses that install sound systems, AV components, intercoms, security audio, and related equipment in commercial and residential settings. Typical fits include commercial AV integrators, home theater installers, intercom and paging system contractors, and specialty audio subcontractors. You might use this program for a small but growing crew of technicians who travel to client sites and perform hands-on installation, cable routing, equipment mounting, and system testing—accounts that often face difficulty finding competitive workers comp coverage in standard markets. Coverage Highlights and Advantages Minimum premium starting at $7,500 10% commission for appointed agents Fast quote turnaround when submissions are complete Access to a broad network of admitted and non-admitted carriers (varies by account) Underwriting Requirements Completed ACORD 130 application Three years of currently valued loss runs A supplemental questionnaire specific to sound/audio operations Details on any large or unusual losses Territories and Availability The program is available in more than 20 states, including CA, FL, TX, NY, NJ, IL, GA and others. Novatae can place business in both admitted and non-admitted markets depending on the state and the risk profile. For a full list of states, reference the program territory guide or contact underwriting. Why Work With Novatae Risk Group? Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines Broker with focused programs for niche contractors. Our underwriting team understands the operational risks of sound and audio installers and provides responsive service, market access, and pragmatic placing strategies for tougher accounts. When you need speed and accuracy to place a challenging workers comp risk, Novatae offers practical solutions and carrier relationships to get business bound. Need a Workers Compensation Insurance quote for your Sound and Audio Installation client? 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 accounts are a good fit for this program?This program is ideal for businesses involved in sound and audio system installation, including commercial AV companies, home theater installers, and intercom system contractors. What is the minimum premium for this Workers Compensation program?The minimum premium starts at $7,500, making it suitable for larger or more active installation operations. Which states is this program available in?This program is available in over 20 states, including CA, FL, TX, NY, NJ, GA, IL, and others. What documents are needed to get a quote?A complete submission includes an ACORD 130, three years of loss runs, a supplemental questionnaire, and details on any large losses. How quickly can I get a quote?Quotes are typically turned around quickly once a complete submission is received, thanks to Novatae's streamlined underwriting approach. Need help placing an account? Connect with a market specialist.

Novatae Risk Group offers a specialized Workers Compensation program tailored for warehouse operations. Warehouse environments present a concentrated set of exposures — lifting, material handling, forklift operations, repetitive motion, and slip/trip hazards — that can produce significant comp claims if not placed with the right underwriting and claims partners. This program pairs focused underwriting with flexible market access to help you place warehouse risks with confidence. Overview of the Program Novatae Risk Group lists a warehouse workers’ compensation solution underwritten by an "A" rated carrier and administered through experienced MGA/E&S capacity. The program is designed for single-location and multi-location warehouses, distribution centers, and third-party logistics (3PL) operations that require a market tuned to the unique exposures of material handling employers. Submit complete applications for fast turnaround and clear underwriting decisions. Ideal Accounts and Appetite Warehouse and distribution operations (small to mid-size and select larger accounts) Third-party logistics (3PL) facilities with established safety programs Accounts with forklift operations, pallet handling, and order-fulfillment activity Good fit: employers with documented safety programs, light-to-moderate loss history, and effective return-to-work practices Less likely to fit: high-hazard manufacturers, sites with frequent severe losses, or operations lacking basic loss control Coverage Highlights and Advantages Program access through a Managing General Underwriter and Excess & Surplus lines broker structure to reach admitted and non-admitted capacity as needed Fast turnaround on quotes when a completed application and loss runs are provided Designed to address common warehouse exposures such as material handling injuries, lifting strains, and vehicle/pedestrian incidents Competitive commission structure and a market that can place accounts other carriers decline Flexible terms for multi-location placements and parcel/palletized operations Underwriting Notes and Minimum Premiums Underwriters will want a complete submission to price appropriately. Minimum premium: $7,500. Typical required materials include a completed ACORD application, three years of loss runs, the program supplemental questionnaire, and details on any large past losses. Clear documentation of safety programs, training, and return-to-work policies improves placement prospects and pricing. Territories and Availability Available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, WV. The program can be structured on admitted or non-admitted paper depending on state availability and account characteristics; the carrier and placement vehicle will vary by risk and jurisdiction. Why Work With Novatae Risk Group on Warehouse Workers Comp Specialized underwriting focus on warehouse and distribution operations Access to admitted and E&S markets through MGA relationships Fast, pragmatic quoting when you provide a complete submission Experienced claims and loss control partners to help manage difficult exposures Example Accounts That Fit An owner-operated regional warehouse with 40 employees, organized safety training, and a clean two-year loss history — a straightforward candidate for competitive terms. A busy 3PL with mixed client operations, documented forklift training, and one large historical claim — eligible if loss-control initiatives and return-to-work plans are well documented. Send submissions with the required materials to [email protected] or call 800-758-8113 to speak with an underwriter about placement options. Frequently Asked Questions What types of warehouse accounts are a good fit for this program?Single-location and multi-location warehouses, distribution centers, and 3PLs with documented safety programs and moderate loss histories are ideal. Accounts with disciplined forklift training, formal return-to-work plans, and routine safety audits place best. What submission materials do underwriters require?Provide a completed ACORD application, three years of loss runs, the program supplemental questionnaire, and details on any large past losses. Incomplete files slow quoting. Is the program available admitted or non-admitted?Placement can be admitted or non-admitted depending on state and account characteristics. The carrier and placement vehicle will vary with risk profile and jurisdiction. What is the minimum premium and how does pricing consider loss history?The program has a minimum premium of $7,500. Pricing reflects class codes, payroll, loss history, and documented loss-control practices; strong safety documentation can materially improve terms. Need help placing an account? Connect with a market specialist.

...a client who used to manufacture household appliances but sold the business five years ag...