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...orkers Compensation Insurance for Loggers program, administered by Empire Unde...r Workers Compensation Insurance for Loggers program is available in most stat...

...ir Engineers / Geologists Mud Loggers and Drilling Fluids Engineers No...ry, such as pipeline inspectors, mud loggers, OSHA trainers, geologists, and l...

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Manufacturing operations carry a distinct set of risks—especially for Workers Compensation. Novatae Risk Group understands those complexities and offers a Manufacturing Workers Compensation Insurance program tailored for high-hazard and hard-to-place manufacturing accounts. Through our partnership with Empire Underwriters, we help brokers and agents place Workers Compensation coverage for a broad range of manufacturing classes. We work with manufacturers of plastics, metals, food products, industrial equipment, and more. Whether your client is a startup, has a high MOD, or has been declined elsewhere, our team has the underwriting experience and market access to pursue the right solution. Ideal Accounts and Appetite MOD 1.30 or greater High-hazard manufacturing classes Blue, gray, and white collar operations State fund or assigned risk pool accounts Accounts with lapses in coverage, cancellations, or non-renewals Startups and new ventures Multi-state operations Hard-to-place Workers Compensation risks If you have a manufacturing client with a challenging Workers Compensation history or a complex operations profile, we want to see it. For example, you might have a metal fabrication shop with prior large losses or a commercial bakery expanding into multiple states—both are strong candidates for this program. Coverage Highlights and Advantages Fast quote turnaround to keep placements moving Access to multiple "A"-rated carriers (varies by state) Stand-alone Workers Compensation policies Guaranteed cost, dividend, and retro-rated plan options High-deductible structures available Integrated, customized account handling and advocacy We focus on flexible, market-driven solutions. Whether the client prefers a traditional guaranteed cost policy or a high-deductible program, we’ll help structure the coverage to match the risk and budget. Underwriting Notes and Submission Requirements Minimum premium: $10,000 ACORD 130 application 3–4 years of loss runs Details on any large losses Completed supplemental questionnaire Including these documents with your submission will expedite review. Our underwriters evaluate each account promptly and will work with you on reasonable risk-management strategies when appropriate. States and Availability 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, and WI. Market availability and carrier options may vary by state. We offer both admitted and non-admitted solutions depending on the risk and jurisdiction. Why Work With Novatae Risk Group? With more than 30 years of experience in the manufacturing sector, Novatae Risk Group and our partners know how to place complex Workers Compensation risks. We combine underwriting expertise, strong carrier relationships, and responsive service to help you place difficult accounts and deliver competitive terms to your clients. Need a quote for a manufacturing client? Email your submission to [email protected] or call us at 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of manufacturing businesses are eligible for this program?We can accommodate a wide range of manufacturers, including plastics, metals, food processing, industrial equipment, and similar sectors—especially those viewed as high hazard or hard to place. Can you help with accounts that have been cancelled or non-renewed?Yes. The program is designed to handle distressed and difficult accounts, including those that have been cancelled, non-renewed, or lack prior coverage. Is this program available for new ventures?Yes. We accept startup manufacturing businesses and new ventures, even if they have limited or no Workers Compensation history. What documents are required to submit a risk?Provide a completed ACORD 130, 3–4 years of loss runs, details on any large losses, and the supplemental questionnaire to start the underwriting review. Which states is this program available in?The program is available in most U.S. states. Carrier options and admitted status vary by state, so contact us to confirm market availability for your client's location. Need help placing an account? Connect with a market specialist.

From single-family homes to large commercial structures and critical infrastructure, demolition contractors perform inherently high-risk work that requires specialized insurance solutions. Whether your client is clearing sites for new construction, removing hazardous materials, or assisting with disaster recovery, these operations create exposures many standard markets will not accept. Novatae Risk Group provides access to tailored Workers' Compensation for demolition contractors who are difficult to place in the standard market. Through our Non-Standard Worker Comp Insurance for Demolition Contractors program, Novatae combines flexible placement options, pragmatic underwriting, and proactive claims and loss-control support. We focus on accounts that fall outside traditional carrier appetites—offering practical, market-aware solutions built from decades of experience serving the construction trades. Ideal Accounts and Appetite Demolition contractors with high-risk operations, difficult class codes, or multi-trade exposures Accounts with Experience Mods (X-Mods) between 1.30 and 3.00 Producers needing alternatives for clients non-renewed or cancelled for loss history or exposure Businesses in state-assigned risk pools or declined by standard markets Insureds with no prior coverage, recent lapses, or adverse underwriting histories Operations with manual rates roughly in the $8–$50+ range and other complex risk profiles Example: You might have a demolition contractor recently dropped by a standard carrier after a surge in claims, or a new multi-state startup with no loss history. Those are the types of accounts Novatae underwrites through this program. Program Features and Advantages Pay-As-You-Go premium structure with no premium deposit required No audits—streamlined administration reduces administrative burden Improved cash flow and predictable billing options for insureds Full payroll services including tax remittance, 941s, W-2s, and payroll compliance support Optional in-house payroll check cutting Flexible placement via PEO, ASO, or non-PEO solutions depending on account needs Comprehensive HR services: COBRA, wage garnishment, and unemployment claims handling Dedicated loss control, active risk management consulting, and fair claims handling High-retention program—coverage stays in force until cancelled Underwriting Notes and Minimum Premiums We underwrite each account to identify the most appropriate market and placement structure. Minimum premiums vary by state and by carrier; underwriting will reflect the insured’s class codes, payroll, loss history and exposure profile. Typical submission requirements follow. Submission Requirements ACORD 130 application Supplemental form describing class of work (available on our website) Three years of loss history (loss runs) Loss History Affidavit for accounts with no prior coverage or a lapse Explanation for any claim over $20,000 Current Experience Mod sheet Not a Fit for This Program Accounts readily eligible for the standard market Policyholders shopping only for lower rates without a true placement need Low X-Mod accounts with strong loss histories that standard carriers will accept Risks that do not match the eligibility criteria above Markets and Availability This non-standard Workers' Compensation program is available in most U.S. states. It is not available in North Dakota, Ohio, Washington, or Wyoming. Market access and minimum premiums vary by state and by carrier selection; Novatae leverages a broad panel of admitted and E&S carriers to place eligible accounts. Why Work With Novatae Risk Group? As a Managing General Underwriter and Excess & Surplus Lines broker with more than 30 years of experience, Novatae Risk Group specializes in tough-to-place contractors’ Workers' Compensation. Agents gain access to experienced underwriters, multiple placement structures (PEO, ASO, non-PEO), and dedicated service for payroll, HR, loss control, and claims management—helping you keep challenging accounts insured and compliant. Need a Non-Standard Workers' Comp quote for a demolition contractor? Send an email to [email protected] with your submission or call 800-758-8113 to speak with an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best for demolition contractors with high-risk operations, elevated X-Mods, prior cancellations, or no prior coverage—especially those declined by the standard market. Can this program help clients in assigned risk pools?Yes. The program is designed to provide an alternative to state funds or assigned risk pools for eligible demolition contractors. What underwriting documents are required for a quote?You’ll need an ACORD 130, the class-specific supplemental form, three years of loss runs, a loss affidavit if there’s no prior coverage, explanations for claims over $20K, and the current Experience Mod. Is this a PEO program only?No. While PEO placement is available, Novatae also offers ASO and non-PEO options depending on the client’s eligibility and needs. In which states is this program available?The program is available in most U.S. states, excluding North Dakota, Ohio, Washington, and Wyoming. Market availability may vary by state. Need help placing an account? Connect with a market specialist.

Janitorial and cleaning businesses face unique and elevated risks due to the nature of their off-site operations. Employees often travel to multiple job locations, increasing exposure to injuries, illnesses, and liability claims. For agents working with janitorial clients who are ineligible for standard workers' compensation markets, Novatae Risk Group offers a tailored Non-Standard Workers Comp Insurance program designed to meet the specific needs of this challenging class. This program is an excellent solution for cleaning and janitorial companies that have been declined, non-renewed, or priced out of the standard market. With flexible underwriting and access to multiple carriers across all available markets, Novatae helps agents place tough accounts while delivering real value to clients. Program Highlights: “Pay-As-You-Go” Non-Standard Workers Comp with reduced costs No premium deposit required No premium audits Significant cash flow advantages Loss control and risk management support Fair and aggressive claims management HR services including unemployment claims, garnishments, COBRA, and more Full payroll services with tax remittance, 941s, and W-2s Client option to process payroll in-house ASO (Administrative Services Only) and PEO (Professional Employer Organization) options High retention product—continues until cancelled Ideal Accounts and Submission Appetite: Accounts exiting a state fund or assigned risk pool Accounts non-renewed or cancelled due to high exposure or loss history Accounts with X-Mods between 1.3 and 3.0 New ventures or operations with no prior coverage but in tough classes Accounts with lapses in coverage and adverse loss experience Businesses with manual rates of $8 to $50 or more and other risk factors You might have a janitorial client with a lapse in coverage and a history of claims exceeding $20,000. Or, perhaps you’re working with a new cleaning business struggling to find coverage due to interstate exposure or classification issues. These are the types of accounts this program is purpose-built to serve. Not a Fit For: Accounts that qualify for standard market workers comp Accounts just shopping for a better rate Accounts with credit X-Mods and little to no loss history Accounts not meeting any of the eligibility criteria Submission Requirements: Completed Acord 130 Class-specific supplemental application (available on the program page) Three years of loss history Loss history affidavit for accounts with lapse or no prior coverage Explanation for claims exceeding $20,000 Experience Mod worksheet Territories and Market Access: This program is available in all 50 states plus Washington, D.C. Admitted and non-admitted options are available depending on the state and carrier. Novatae Risk Group works with a variety of markets to place the right fit for your client. Why Work With Novatae Risk Group? As a Managing General Underwriter and E&S Broker with deep expertise in hard-to-place workers comp risks, Novatae provides agents with a reliable partner for tough janitorial accounts. From responsive underwriting to full-service HR and payroll capabilities, Novatae is committed to helping agents deliver value, efficiency, and client satisfaction. Need a Non-Standard Workers Comp Quote for a Janitorial Account? 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 janitorial and cleaning companies with high X-Mods, lapses in coverage, prior cancellations, or tough classification issues that make them ineligible for standard workers comp markets. Is this a PEO-only program?No. Novatae offers both PEO and ASO (Administrative Services Only) options, along with payroll services. Clients can also choose to cut checks in-house if preferred. Are new ventures eligible for coverage?Yes, new janitorial businesses with no prior coverage can be considered, especially if they face tough underwriting criteria or operate across state lines. What documentation is needed to get a quote?Submissions require an Acord 130, a class-specific supplemental application, three years of loss history (or affidavit if not available), explanation of large claims, and an Experience Mod sheet. In which states is this program available?This program is available in all U.S. states and Washington, D.C., with access to both admitted and non-admitted markets depending on the state. Need help placing an account? Connect with a market specialist.

Property management operations present a broad range of workers' compensation challenges — multiple property types, varied employee duties, seasonal or transient staffing, and multi-jurisdiction exposures. Novatae Risk Group offers a specialized Non-Standard Workers Comp Insurance program tailored to property management risks that are difficult to place in the standard market. The program helps agents and brokers secure reliable coverage for higher-exposure or hard-to-place accounts. Backed by more than 30 years of experience and delivered in partnership with Empire Underwriters, Novatae's program provides flexible solutions to control costs, improve compliance, and simplify claims handling. It is designed to serve accounts exiting assigned-risk pools or state funds, non-renewed accounts, new ventures with operational need, and other non-standard placements where standard markets are unwilling or unable to offer terms. Ideal Accounts and Appetite Property management firms with difficult class codes and elevated experience mods (X-mods typically 1.30–3.00) Accounts leaving state funds, assigned-risk, or an insurer of last resort Non-renewed or canceled accounts with prior loss activity New ventures or startups with no prior coverage but valid payroll and operational plans Accounts with coverage lapses that can provide a loss affidavit and supporting documentation Example fits: you might have a client who manages multiple apartment communities with on-site maintenance and security staff and a recent claims history, or a property manager of retail centers that experienced prior coverage gaps and increasing payroll exposure. Coverage Highlights and Advantages Pay-As-You-Go workers' comp — no premium deposit required No premium audits, reducing administrative burden for clients and brokers Improved cash flow through flexible premium and payroll options Dedicated loss control and risk management support tailored to property operations Claims handled proactively with an emphasis on containment and fair outcomes HR support services including unemployment claims, garnishments, COBRA administration, and related services Full payroll services with tax remittance, 941s, W-2s, and payroll compliance support In-house check cutting and other payroll fulfillment options ASO (Administrative Services Only) and PEO (employee leasing) structures available where appropriate High-retention policy design — coverage remains active until canceled per policy terms Underwriting Notes and Minimum Premiums Required submission items: ACORD 130, applicable class supplemental form, three years of loss runs, a loss affidavit for lapsed or no-prior accounts, explanation for any claims over $20,000, and current experience mod sheets Minimum premiums vary by state and by risk class; underwriters will advise at review Only accounts that meet one or more eligibility criteria will be considered; this is not a market for accounts that have competitive standard-market offers Not suitable: low X-mods or accounts simply shopping for lower rates when standard coverage is available Territories and Availability The Non-Standard Workers Comp for Property Management 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, and WI. Carrier access and specific appetite vary by state — carriers vary per state and placement is subject to local market availability. Why Work With Novatae Risk Group? Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines broker focused on challenging workers' compensation placements. Our underwriters understand the operational nuances of property management and work with Empire Underwriters to provide non-standard solutions, streamlined underwriting, and a suite of value-added services that make placement and administration easier for you and your clients. Need a quote? Email [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 targets property management companies with difficult class codes, elevated experience mods, prior claims issues, or those exiting assigned-risk pools or state funds. Can I submit an account that has had a lapse in coverage?Yes. Accounts with a lapse can be considered if they meet underwriting criteria and include a completed loss affidavit plus supporting documentation. Is prior coverage required for eligibility?No. New ventures or accounts with no prior coverage may be eligible, particularly when they fall into tough classes or have multi-state exposures. Are premium audits required?No. One advantage of this program is the absence of premium audits, which reduces administrative work and helps clients manage cash flow. Which states is this program available in?The program is offered in most U.S. states (see Territories and Availability above). Market access and carrier appetite vary by state and by class. Need help placing an account? Connect with a market specialist.

Empire Underwriters, in partnership with an “A” rated carrier, offers a specialized Non-Standard Workers’ Compensation program for swimming pool and spa contractors that is distributed through Novatae Risk Group. This program is built for accounts that sit outside the appetite of the standard market — giving agents a practical market for hard-to-place clients. The program targets accounts with underwriting complications such as elevated experience modification rates, prior coverage lapses, non-renewals, adverse loss histories, or difficult class codes. If a client is being steered toward an assigned risk pool or has been declined by standard carriers, this program provides competitive coverage and flexible, cash-flow-friendly options to keep the business working. Ideal Accounts and Appetite Swimming pool and spa contractors with elevated experience modification factors (X-Mods typically from 1.30 to 3.0) Accounts non-renewed or cancelled for losses or class of business Clients exiting state funds, assigned risk pools, or similar plans New ventures with no prior coverage but challenging class codes Accounts with adverse underwriting factors or prior claims history Multi-state exposures or hard-to-place governing class codes Example: you might have a client who installs residential and commercial pools across multiple states, has a recent lapse in coverage and prior claims over $20,000. This program is designed to handle exactly that type of complex, higher-risk account. Coverage Highlights and Advantages Pay-As-You-Go Workers’ Comp to improve client cash flow No premium deposit and no traditional payroll audits required HR support services including COBRA, garnishments, unemployment claims, and more Full payroll services with tax filings (941s, W-2s) — or client option to issue payroll in-house Flexible placement options: ASO (non-PEO) or full PEO/employee leasing Loss control and risk management resources targeted to pool contractors Ongoing coverage that remains in force until cancelled Aggressive and fair claims management focused on early return-to-work Underwriting Notes and Submission Requirements Submissions must meet at least one of the eligibility criteria above. Accounts that are merely shopping for a lower rate or have active offers from standard markets typically are not eligible for this non-standard PEO division. Provide the following to submit an account: ACORD 130 Class-specific supplemental application (available on our website) Three years of loss history Loss history affidavit for accounts with a lapse or no prior coverage Explanation for any claims exceeding $20,000 Experience modification worksheet Territories and Availability This program is available in most states, including CA, TX, FL, NY, GA, NC, AZ, and IL. Coverage availability, admitted vs. non-admitted placement, and specific terms vary by state and by account details. Why Work With Novatae Risk Group and Empire Underwriters? Novatae Risk Group, as a Managing General Underwriter and Excess & Surplus Lines Broker, gives agents access to Empire Underwriters’ experience placing hard-to-place Workers’ Compensation risks. You’ll benefit from focused underwriting, responsive service, unique market access, and tailored solutions for swimming pool and spa contractors. We work to turn difficult placement situations into placed accounts. Need a quote for your Swimming Pool Contractor account? Email [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?Swimming pool and spa contractors with high X-Mods, prior coverage lapses, large claims, or those exiting assigned risk pools are the primary candidates for this program. Is prior coverage required for submission?No. Accounts with no prior coverage may be eligible if they meet one or more of the underwriting criteria listed for the program. What documents are needed to submit an account?You’ll need an ACORD 130, the class-specific supplemental application, three years of loss history, an experience mod worksheet, and any required affidavits or claim explanations for large losses. Can clients handle their own payroll checks?Yes. Clients can choose to run payroll in-house, or they can use the full payroll and HR services included in the program. In which states is this program available?The program is available in most states, including CA, TX, FL, NY, GA, NC, and others. Availability and placement (admitted vs. non-admitted) depend on state and account specifics. Need help placing an account? Connect with a market specialist.