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..., civil, mechanical, electrical, landscape architecture, environmental consulting, and int...

...ineers • Highway Engineers • Landscape Architects • Materials Engineers ...l engineers, as well as architects, landscape architects, and specialized cons...

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```html Metal erection contractors face a range of liability exposures due to the nature of their work—operating heavy machinery, transporting expensive equipment, and working with structural steel at varying heights and job sites. These operations create potential risks including third-party bodily injury, property damage, theft of materials, and job site accidents. To help agents place this class of business confidently, Novatae Risk Group offers a comprehensive General Liability Insurance program tailored specifically for Metal Erection Contractors. Empire Underwriters, a division of Novatae Risk Group, has partnered with an “A” rated carrier to deliver responsive and reliable general liability solutions. Backed by over 30 years of construction industry experience, our team understands the unique exposures that come with metal, steel, and iron erection—making us a trusted partner for agents seeking customized coverage and quality underwriting support. Program Overview: This program is designed for small to mid-sized metal erection contractors with annual payrolls under $1,000,000. We focus on helping agents serve clients involved in architectural and ornamental metal work, decorative metal installations, structural steel erection, and related activities. Target Classes: Architectural and Ornamental Metal Work Decorative Metal Work Metal Erection Contractors Metal Fabrication Steel or Iron Erection Eligible Operations: New residential and commercial construction, including single-family homes Repair and remodeling of residential and commercial structures Ineligible Operations: New construction of condominiums, conversions, or townhouses (some exceptions may apply) Projects involving structures over 3 stories tall (some exceptions may apply) Key Coverage Features: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate limits Subsidence coverage (with limitations) Prior Projects coverage (with limitations) Submission Requirements: Completed ACORD applications 3–5 years of currently valued loss runs Program-specific supplemental application Pollution questionnaire (if applicable) Minimum Premium: $1,500 Carrier Access: Admitted and Non-Admitted markets with A-XV rated carriers Availability: Program available in AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, WV You might have a client that fabricates and installs decorative iron railings for upscale residential homes or a small steel erection contractor working on single-story commercial builds. These are ideal fits for our program. Contact us today at 800-758-8113 to speak with an experienced underwriter, or email your submissions to [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?Small to mid-sized metal erection contractors with payrolls under $1 million, including those performing architectural, ornamental, and structural metal work. Are residential and commercial projects both eligible?Yes, the program accepts both new construction and remodeling/repair work for residential and commercial properties. What types of projects are excluded from eligibility?New condominium construction, condo conversions, townhouse projects, and buildings over three stories are generally ineligible, though some exceptions may apply. What states is the program available in?The program is available in over 20 states, including CA, TX, FL, GA, IL, and more. Reach out for specific state eligibility. What documents are required to submit a quote?Submissions should include ACORD applications, 3–5 years of loss runs, a supplemental application, and a pollution questionnaire if applicable. Need help placing an account? Connect with a market specialist. ```

...involved in: Architecture and landscape architecture Civil, structural, mechanical, a...cient HVAC systems or a mid-sized architecture firm focused on commercial reta...

...engineers Land surveyors and landscape architects Construction manager...cial developments, or residential architecture. Accounts with documented quali...

...al, and mechanical engineers Landscape architects and land surveyors I...ge solutions specifically for the architecture and engineering sectors. Need...

...l and hydrological engineers Landscape architects and land surveyors I...electrical/environmental engineers, landscape architects, land surveyors, inte...

U.S. Risk Insurance Group, Inc. offers a specialized Professional Services Workers Compensation Insurance program designed to support agents and brokers in placing business for a wide range of professional services clients. Through its UPA division and a partnership with an A-rated carrier, U.S. Risk provides access to competitive markets and flexible underwriting for a variety of scenarios, including new ventures and PEO carve-outs. Ideal Accounts and Appetite This program is tailored for professional services operations that need workers' compensation coverage with flexible underwriting and payment options. Ideal risks include consulting firms, marketing agencies, law offices, accounting firms, IT consultants, and other white-collar or light manual professional services. New ventures are eligible, making this a great solution for startups or businesses transitioning from a PEO arrangement. Example accounts that may be a good fit: A newly formed architectural firm in Texas with five employees. An established marketing agency in Florida exiting a PEO and needing standalone comp coverage. Coverage Highlights and Advantages U.S. Risk’s professional services workers compensation program offers: Admitted coverage in all available states. Guaranteed cost plans and dividend plans (available in Florida). Online access to loss runs for easier account management. Flexible payment options, including: UPAY-As-You-Go Direct bill Monthly self-reporting with a 5% non-working deposit Underwriting Notes and Minimum Premiums Minimum premium of $3,000; no maximum premium. New ventures welcome. Group transportation is limited to five employees per vehicle. Risks with lapse in coverage must be referred to underwriting. No maximum experience mod. Height/underground limits: up to 20 feet or 2 stories above ground, and no more than 6 feet below ground. PEO carve-outs accepted with required documentation (loss history, signed PEO/client contract and amendment, labor endorsement). 24-hour shift work is eligible (with no additional exposure). Ineligible risks include domestic workers, aviation, federal coverage, tax lien or bankruptcy situations. Territories and Availability This workers compensation program is available in the following states: AL, AK, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OR, PA, RI, SD, TN, TX, UT, VT, VA, DC, WV, WI. Coverage is limited, incidental, or cannot be the governing state for CA and OK. Why Work With U.S. Risk Insurance Group As a leading Managing General Agency (MGA), U.S. Risk brings deep expertise in niche markets and hard-to-place workers compensation risks. With access to A-rated carriers and a dedicated underwriting team, they offer responsive service and flexible solutions for agents and brokers nationwide. Whether you're working with new ventures or clients transitioning out of a PEO, U.S. Risk provides the tools and support to help you place business effectively and competitively. Frequently Asked Questions What types of accounts are a good fit for this workers compensation program?Professional services businesses such as consultants, law firms, marketing agencies, and IT companies are ideal candidates, especially those with limited manual exposure. Is this program available for new ventures?Yes, new ventures are eligible for coverage under this program, making it a strong option for startups and newly formed professional firms. Can clients coming out of a PEO be written through this program?Yes, PEO carve-outs are accepted. Required documents include a signed PEO/client agreement, an amendment, loss history, and a labor endorsement. What are the minimum and maximum premiums?The minimum premium is $3,000, and there is no set maximum premium. Are there any restrictions related to employee activities?Yes, group transportation is limited to five employees per vehicle, and height/underground work is restricted to 20 feet above and 6 feet below ground level. Need help placing an account? Connect with a market specialist.