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...r small- to medium-sized fence installation contractors. Whether your client i...rently valued loss runs, the fence contractor supplemental application, and a ...

...c exposures faced by electrical, lighting and HVAC trades. Whether your client...icians who perform electrical work, lighting consultants, electric repair shop...

Flat concrete contractors face distinct liability exposures ...valued loss runs, the supplemental contractor application, and a pollution app...

...appetite for: Septic tank installation (residential and light commercial)...ptic tank contractors involved in installation, repair, or maintenance, with a...

...r small to medium-sized masonry contractors. Designed with the unique exposure...ll to medium-sized artisan masonry contractors with less than $1,000,000 in an...

...nsurance program for Remodeling Contractors to help you place appropriate cove...ntributory endorsements, and other contractor-friendly options subject to carr...

Standalone Workers Compensation for Staffing Companies from Novatae Risk Group Novatae Risk Group offers a focused Workers Compensation program built for staffing agencies. Whether your clients place clerical staff, light industrial labor, healthcare support, or skilled trades, Novatae provides flexible underwriting, competitive terms, and capacity for accounts that are difficult to place — including those with elevated experience modifications (X-Mods) or recent lapses in coverage. Program Highlights: Aggressive pricing and competitive placement options Guaranteed-cost program structure Broad class-code acceptance for staffing placements High X-Mods accepted Lapse in coverage — acceptable with proper underwriting Ideal Accounts and Appetite This program is designed specifically for staffing companies with at least $1,000,000 in payroll and is a strong fit when your client places employees across multiple exposure types. Common placements include: Light industrial and warehouse workers Healthcare staffing (non-hospital settings) Clerical and administrative personnel Skilled trades and construction support Example scenarios where Novatae often provides value: you have a staffing client who recently expanded into warehouse labor and now exceeds $1M payroll with a spotty loss history, or a long-standing agency that experienced a short lapse in coverage during a corporate transition. Both are typical submissions for this program. Coverage Highlights and Advantages Access to several national and regional A-rated carriers Placement in admitted or non-admitted markets depending on state and risk profile Underwriting tailored to the staffing model — payroll verification, client/host employer rules, and multi-class exposures Fast response times and hands-on underwriting support for complex accounts Underwriting Notes and Minimum Premiums Minimum account guidelines: Minimum payroll: $1,000,000 Minimum premium: $100,000 Novatae will consider accounts with high X-Mods and recent coverage lapses, but pricing and terms will reflect the loss history and risk controls. Typical submission documentation includes ACORD applications, currently valued loss runs, a current declarations page, and an X-Mod worksheet. Territories and Market Access The program is available in most states, including but not limited to CA, TX, FL, NY, IL, and GA. Novatae works with multiple admitted and non-admitted carriers and will match the state, class mix, and account profile to the appropriate market. Why Work With Novatae Risk Group? As a managing general underwriter and E&S broker, Novatae combines staffing niche expertise with broad carrier relationships. Agents benefit from creative underwriting, market access for hard-to-place risks, and responsive service that helps move submissions quickly to binding. If you need a partner to place complex staffing Workers Comp accounts, Novatae is positioned to help. THIS IS NOT A PEO Do you need a Workers Comp insurance quote for a staffing company? 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 staffing companies are eligible for this Workers Comp program?Eligible accounts are staffing agencies with at least $1,000,000 in payroll. The program accepts a wide range of class codes—from clerical and administrative to light industrial and skilled labor placements. Can I submit accounts with high experience mods or lapses in coverage?Yes. Novatae accepts submissions for accounts with high X-Mods and for those that have had a recent lapse in Workers Compensation coverage; underwriting will evaluate loss trends and controls when pricing. What documentation is required for a submission?Provide an ACORD 130 application, 3–5 years of currently valued loss runs, the current policy declarations page, and an experience modification (X-Mod) worksheet. Is this a PEO solution?No. This is a standalone Workers Compensation insurance program, not a Professional Employer Organization (PEO) arrangement. In which states is this program available?The program is available in most states, including CA, TX, FL, NY, IL and others. Novatae will determine admitted vs non-admitted placement based on the state and account profile. Need help placing an account? Connect with a market specialist.

...zed artisan and specialty trade contractors. Designed specifically for those e...rogram?Artisan and specialty trade contractors with less than $1,000,000 in an...

...igned specifically for plumbing contractors. Whether the account is primarily ...esidential and commercial plumbing contractors with annual payrolls under $1 m...

Overview of the PEO Program from Novatae Risk Group Novatae Risk Group offers a specialized PEO solution tailored for staffing companies that face challenges securing workers' compensation coverage in the standard market. Through our program, agents and brokers can find placement options for difficult staffing accounts—particularly those affected by high experience mods, prior losses, tough class codes, or multi-state exposures. Our PEO for Difficult Staffing Accounts, powered by Empire Underwriters, delivers flexible and creative alternatives to state funds, assigned risk pools, or carriers who are unwilling to renew. With access to top-rated AM Best carriers and a wide range of program structures, we help you place hard-to-write risks efficiently and competitively. Ideal Accounts and Target Classes Staffing firms exiting state funds or assigned risk pools Accounts with X-Mods between 1.30 and 3.0 Clients recently non-renewed or cancelled due to losses Risks with a lapse in coverage (case-by-case basis) Multi-state staffing firms or those with adverse underwriting history Target staffing classes include Construction, Light Industrial, Healthcare, IT/Technical, Clerical, Administrative, Hospitality, and Skilled Trades. We will consider most class codes, depending on the state and risk profile. Example: You might be working with a staffing agency that places light industrial workers across three states and was recently dropped by its carrier after a year of losses. That’s a strong candidate for our PEO program. Coverage Highlights and Program Benefits Custom-tailored solutions for each account High Deductible and Retroactive Plans available Dividend or Return of Premium eligibility (case-by-case) Loss control and risk management support Fair and expert claims handling Automatic renewals with minimal to no audits HR services and optional benefits administration (ACA compliant) Pay-As-You-Go billing and optional zero premium deposits Full-service payroll with tax filing (941s, W-2s, etc.) Multiple Coordinated Policy Programs (MCCP) Master Policy options aligned with NCCI guidelines Fast turnaround on quotes Commissions Great Commissions – Ranges from 6% to 10% of workers' compensation premium, depending on risk class and account size. Submission Requirements Completed Acord 130 Three years of loss runs Loss affidavit for accounts with no prior or lapse Explanation for any claim over $20,000 Current Experience Mod sheet Class-specific supplemental application (Click here for Supplementals) Territories and Availability Our PEO program is available in all U.S. states except monopolistic fund states. We currently write business in: AL, AK, 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, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WV, WI. Why Work With Novatae Risk Group? As a leading managing general underwriter and E&S broker, Novatae Risk Group delivers access to over 12 top-rated carriers including AIG, Zurich, Hartford, Amtrust, Argonaut, State National, and more. We specialize in placing tough-to-insure staffing risks and provide agents with market access, underwriting expertise, and fast service to help you close more business. Whether you're helping a client transition out of an assigned risk pool or dealing with a tough class code, Novatae gives you the tools and options to find a competitive solution. Frequently Asked Questions What types of accounts are a good fit for this PEO program?Staffing companies facing non-renewal, high X-Mods, prior losses, or those exiting state funds are ideal. We also accept multi-state risks and tough class codes. Do you offer coverage in all states?We write in all states except monopolistic fund states, including CA, FL, TX, NY, and many others. What carriers do you work with for this program?We have access to over 12 top-rated carriers including AIG, Zurich, Hartford, Amtrust, Argonaut, and more. How fast can I get a quote?We offer quick turnaround on most submissions, provided all required documents are complete and accurate. What documents are needed to submit an account?You'll need a completed Acord 130, three years of loss runs, Experience Mod sheet, explanations for large claims, and a class-specific supplemental form. Need help placing an account? Connect with a market specialist.