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Novatae Risk Group offers a focused Cabinet Maker Workers Compensation Insurance...states is this program available?The Cabinet Maker Workers Comp program is ava...

...ir specialized work with vehicle interiors, customer property, and garage oper...is ideal for auto upholstery shops, interior restoration businesses, and detai...

...hen part of a broader remodel) Interior framing performed by the primary con...ing is permitted in some cases, but interior framing as a subcontracted operat...

Carpenters face daily, specialized jobsite risks — from falls and equipment accidents to repetitive-motion injuries. A single claim can create significant financial exposure for contractors and for the agents who place them. Novatae Risk Group’s Carpentry Workers Compensation Insurance Program is tailored to help brokers place high-hazard, hard-to-place carpentry and construction risks with speed and precision. Using Empire’s underwriting platform, Novatae gives brokers access to a broad panel of markets and flexible solutions built for carpentry operations. Whether the account is a newly formed business, has prior large losses, or is otherwise difficult to place, this program focuses on fast quotes, responsive underwriting, and placement options across admitted and non-admitted markets. Ideal Accounts and Appetite Experience MOD of 1.30 or higher High-hazard or tough classification codes Residential framers, commercial carpenters, specialty carpentry contractors Accounts in state assigned risk pools New ventures, accounts with lapses, cancellations, or non-renewals Multi-state exposures and complex payrolls Hard-to-place workers compensation risks that need specialty underwriting Example scenarios: you might have a contractor with a history of large losses seeking placement, or a newly formed carpentry firm that can’t secure coverage in standard markets. This program is designed to give brokers practical options for those accounts. Coverage Highlights and Advantages Standalone Workers Compensation policies Access to multiple “A”-rated carriers (varies by state) Quick turnaround and hands-on underwriting Guaranteed cost, dividend, retrospective, and high-deductible plan options Integrated solutions for large or complex accounts Custom handling based on account size, loss history, and complexity The program offers flexibility to help brokers remain competitive in the high-risk workers compensation marketplace, from single-state carpentry risks to multi-state contractor operations. Underwriting Requirements and Minimum Premium Completed ACORD 130 application 3–4 years of currently valued loss runs Details on any large losses or open claims Supplemental questionnaire when applicable The program’s minimum premium is $10,000. Underwriting flexibility may be available for qualified accounts; submit complete documentation to accelerate review. Territories and Market Access This program is available in most states, including: 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, WI. Admitted and non-admitted markets are available depending on the state and the account profile; carrier access varies by state. Why Partner with Novatae Risk Group? Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines Broker with deep experience placing high-hazard workers compensation accounts. Our underwriters know the carpentry sector and work with a broad market panel to find placement solutions for challenging submissions. We welcome the chance to review your carpentry accounts and help you find the right market and structure. Call our team at 800-758-8113, or email submissions to [email protected]. Frequently Asked Questions What types of carpentry businesses are eligible for this program?The program targets high-hazard carpentry operations, including residential framers, commercial carpenters, and specialty contractors with elevated MODs or adverse loss histories. Can I submit accounts with no prior coverage or those that have been non-renewed?Yes. The program accepts new ventures, accounts with lapses, cancellations, or non-renewals, subject to underwriting review and documentation. Which states is the program available in?This program is available in more than 45 states, including large markets such as CA, TX, FL, and NY. Carrier availability varies by state and account profile. What is the minimum premium for this program?Minimum premium starts at $10,000. Underwriting flexibility on minimums may be considered for qualified submissions. How quickly can I expect a quote?Turnaround is typically fast when a completed ACORD 130, current loss runs, and any supplemental information are provided up front. Need help placing an account? Connect with a market specialist.

...50 feet. Selective demolition, interior strip-outs, and site clearance opera...and/or less than 50 feet, selective interior demolition, site clearance, and s...

... targets contractors who perform interior and exterior door and window install..., or a shop that sells and installs interior doors for small commercial buildo...

...riveways, building exteriors and interiors, mobile equipment cleaning, and off... Cleaning services for building interiors and exteriors performed away fro...

As a handyman, your client works on many different jobs and is at higher risk of being exposed to accidents on the job. Handyman work involves physical labor, power and hand tools, ladders, and frequently changing residential environments—so the potential for bodily injury or property damage is constant. A slip from a ladder or a mistake with wiring can become an expensive liability. Builders & Tradesmen’s Insurance Services, Inc. (BTIS) offers a focused Handyman Liability program that lets you place straightforward, affordable general liability protection for small to mid-size residential repair operations. Program Overview BTIS has designed a streamlined Handyman Liability solution that balances affordability with meaningful protection. This program is intended for residential handymen doing routine repair and light maintenance work who need a simple admitted liability option underwritten by an A.M. Best A XI–rated carrier. Ideal Accounts and Appetite Unlicensed handymen performing small jobs (job cost up to $500) Licensed handymen working on jobs up to $2,500 Residential repair, upkeep, and light maintenance services—examples include fence repair, gutter cleaning, drywall patching, faucet repair, and other common odd jobs Risks that typically do not fit this program include large renovation projects, heavy carpentry or structural work, commercial contracting, and any job with project values exceeding the program thresholds. For larger carpentry or remodeling accounts, consider placing them in BTIS’s Carpentry Residential classification. Coverage Highlights and Advantages Minimum premium starting at $350 to keep placement simple for smaller accounts Blanket Additional Insured endorsement included at no extra charge Primary/Non-Contributory and Waiver of Subrogation provided on the Blanket AI form Placed with an admitted carrier rated A XI by A.M. Best Accessible online platform and experienced underwriting for fast turnaround 15% commission for appointed agents Underwriting Notes and Program Requirements Unlicensed handymen — maximum job cost $500 Licensed handymen — maximum job cost $2,500 Accounts exceeding these thresholds should be submitted under alternate classifications (for example, Carpentry Residential) Simple, equipment-light operations with predominantly residential exposure are preferred Available States This program is offered in 40 states. Current availability includes: AL, AR, AZ, CA, CO, CT, DE, GA, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY. Contact BTIS to confirm availability in a specific state or to check for any recent expansion. Why Place Business with BTIS? BTIS combines deep contractor-focused underwriting with a user-friendly placement process. Agents benefit from quick turnaround times, admitted paper with a strong carrier, and included endorsements that help meet contractor and landlord requirements. The program is purpose-built to make it easy to place smaller handyman exposures without overcomplicating underwriting. Example Accounts You Can Place You might have a client who fixes gutters, patches drywall, and performs minor home repairs as an unlicensed handyman — this program fits when individual job costs stay under $500. You may represent a licensed handyman who handles periodic small remodels and repairs — the program accommodates licensed contractors with job values up to $2,500. Frequently Asked Questions What types of accounts are a good fit for this program? Residential handymen performing small repairs and light maintenance work. The program is best for unlicensed handymen with job costs under $500 and licensed handymen with job costs under $2,500. Is this coverage available in all states? No. It is available in 40 states and BTIS continues to expand. Confirm current availability for the state where the work will be performed. What is the minimum premium for this program? The program carries a minimum premium starting at $350 to keep placement affordable for smaller operations. What happens if a client’s job costs exceed the program limits? If project values exceed $500 for unlicensed trades or $2,500 for licensed trades, submit the account to a different classification, such as Carpentry Residential, which can handle larger jobs. Who underwrites this program? The program is placed with an admitted carrier rated A XI by A.M. Best, giving agents access to admitted paper backed by a financially stable market. Need help placing an account? Connect with a market specialist.

...ion General carpentry, framing, cabinetry, and drywall work Painting and p...

...e, environmental consulting, and interior design. Project types: commercial ...