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...s and difficult class codes (CNC machining, metal fabrication, tool & die) ...m understands the manufacturing and machining sectors and provides tailored pl...

...& Plastics Manufacturing and Machining Insurance program is specifically d...turing businesses such as precision machining shops, stamping operations, and ...

Tool manufacturers face distinct workers compensation risks because of the physical nature of production, the use of specialized machinery, and the potential for on-the-job injuries. Novatae Risk Group offers a dedicated Tool Manufacturing Workers Compensation Insurance program built for this sector. Through our underwriting partner Empire Underwriters and more than 30 years of manufacturing underwriting experience, we deliver tailored E&S solutions and responsive service to help you place these accounts. Ideal Accounts and Appetite: This program fits small- to mid-sized tool manufacturers, including tool and die shops, precision CNC and milling operations, metal stamping facilities, and custom tool fabricators. We prefer accounts with clearly defined operations, formal safety programs, and predictable payroll mixes. New ventures may be considered if the owner/operator has relevant experience and documented safety controls. Example: you might have a 25-employee client running CNC machines and stamping presses across multiple states — we can help you secure a competitive workers comp placement with efficient turnaround. Coverage Highlights and Advantages: Workers Compensation coverage tailored to tool manufacturing exposures Non-admitted (E&S) placement options where standard markets are limited Fast quote turnaround with a complete submission 10% commission for appointed agents Available in over 20 states Underwriting Notes and Minimum Premiums: Minimum premium for this program starts at $7,500, which makes it accessible for a wide range of small and mid-sized manufacturers. To obtain a quote, provide a complete submission including: An ACORD 130 application Three years of currently valued loss runs A completed supplemental questionnaire Details on any large or unusual losses Territories and Availability: This non-admitted program is available in more than 20 states, including 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. For the full list of eligible states or specific state requirements, contact our underwriting team. Why Work With Novatae Risk Group: As a Managing General Underwriter and E&S broker, Novatae Risk Group gives agents access to specialized markets and programs that meet niche manufacturing needs. Our underwriting team has deep experience with manufacturing exposures and provides pragmatic, industry-focused guidance. We partner with brokers to place difficult or non-standard workers comp accounts—offering quick responses and a streamlined placement process. Need a quote for your tool manufacturing client? Send an email to [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 Workers Compensation program?This program is ideal for small- to mid-sized tool manufacturers, including CNC machine shops, metal stamping operations, and tool & die makers that have well-defined operations and documented safety practices. Is this program available for new ventures?New ventures may be considered on a case-by-case basis. Underwriters look for relevant owner/operator experience and evidence of effective safety protocols; a complete submission is required for review. What is the minimum premium for this program?The minimum premium starts at $7,500, which accommodates many smaller manufacturing operations seeking E&S solutions. Which states is this program available in?This non-admitted program is available in over 20 states, including CA, FL, TX, NY, IL, GA and others. Contact underwriting for the full list of eligible states and any state-specific considerations. What submission documents are required to get a quote?Provide an ACORD 130, three years of currently valued loss runs, a completed supplemental questionnaire, and any details about large losses to enable a timely quote. Need help placing an account? Connect with a market specialist.

Employees are the backbone of any business. For companies that install office equipment, field staff face distinct on-the-job risks: lifting heavy copiers and printers, maneuvering bulky equipment through tight stairwells, working on customer premises, and handling wiring and racks. As an agent or broker, you need a Workers Compensation solution that reflects those exposures and the operational practices of the contractor. Novatae Risk Group, in partnership with Empire Underwriters, offers a focused Workers Compensation Insurance program for Office Equipment Installers. With more than 30 years of experience placing this class, our underwriting team understands the loss drivers, common loss scenarios, and the loss-control measures that make the difference. Whether your client installs copiers, printers, server racks, cabling, or other commercial office systems, this program is structured to meet their trade-specific needs while providing fast service for you. Ideal Accounts and Appetite Small to mid-sized office equipment installation firms with field technicians Companies with manual-labor exposure but documented safety programs and training Accounts with prior coverage and an otherwise manageable loss history New ventures may be considered if adequate documentation and controls are provided You might have a client who routinely installs multifunction printers across multiple office locations, or a regional IT integrator that ships and installs server racks and structured cabling. Those are the types of accounts that typically fit this program. Coverage Highlights and Advantages Competitive commission structure for agents and brokers Fast quote turnaround when a completed submission is provided Program available across a broad set of states to support regional accounts Minimum premium starts at $7,500 The program balances competitive pricing with underwriting rigor. Quick response times and broad market access help you place accounts efficiently and keep your clients working. Submission Requirements Completed ACORD 130 application Three years of currently valued loss runs Supplemental questionnaire specific to office equipment installers Details on any large or unusual prior losses Underwriting Notes and Minimums Underwriters focus on job duties, crew size, use of lift or mechanical aids, driver exposure, and documented safety practices. Strong safety programs, routine employee training, written lift procedures, and evidence of routine vehicle and equipment maintenance help your submissions. The program has a minimum premium threshold of $7,500; larger accounts can be placed across available markets depending on loss experience and controls. Available Territories This program is 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, and WV. Contact us to confirm current availability in a client’s specific state. Why Work With Novatae Risk Group Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines broker with specialty expertise in nuanced workers compensation placements. Our longstanding relationship with Empire Underwriters gives agents access to a range of admitted and non-admitted markets and to underwriters who know this trade. We combine market access with a service-driven approach to help you move submissions quickly and place accounts where standard markets are constrained. Need a Workers Compensation Insurance quote for your Office Equipment Installer client? 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 is designed for businesses that install, service, or move office equipment such as copiers, printers, IT hardware, and similar systems. Ideal accounts have field staff, documented safety protocols, and a generally favorable loss history. What documents are needed to submit an application?Required documents include a completed ACORD 130, three years of loss runs (currently valued), a supplemental questionnaire, and details on any large prior losses. Which states is this program available in?The program is available in over 20 states, including CA, TX, NY, FL, and IL. Contact your underwriter to confirm availability in the specific state where the risk operates. Is this program admitted or non-admitted?We have access to multiple markets, allowing placements in both admitted and non-admitted options depending on the state and the specifics of the risk. How fast can I get a quote?Quotes are typically turned around quickly once all required documentation is received. Providing complete loss runs and the supplemental questionnaire up front speeds the process. Need help placing an account? Connect with a market specialist.

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Are you an agent placing coverage for a neighborhood hardware store, lumber & millwork supplier, or small contractor-supply retailer? American Lumber Underwriters offers a dedicated Hardware Store Insurance program designed for independent hardware and supply retailers that serve both retail customers and contractors. Our program combines multiple lines of coverage and flexible underwriting through our position as the Managing General Underwriter for five admitted carriers. Program Overview — American Lumber Underwriters This program is built for hardware stores with multiple specialty departments (paint matching, keys, power-tool repair, lumber cutting, special orders, etc.). We package General Liability, Property, Workers’ Compensation, Business Owners Policy (BOP), Professional Liability, Auto Liability and Umbrella coverage to produce broad, practical protection for everyday exposures your clients face. Common services and departments Computer paint matching Keys duplicated / locks re-keyed Power tool service and repair Pipe cutting and threading Cutting and ripping lumber Special orders and contractor supplies Ideal Accounts and Appetite Independent hardware stores, small regional chains, and lumber & building supply retailers. Stores that serve both walk-in retail customers and local contractors (e.g., rental/repair benches, lumber cutting services). Small-to-mid-size operations with on-site services (tool repair, cutting/threading) and limited hazardous operations. Not a fit: large national “big-box” chains, heavy manufacturing, or accounts with large-scale fuel dispensing, full-service equipment rental fleets, or extensive on-site manufacturing. For borderline or higher-hazard risks, contact underwriting for pre-submission review. Coverage Highlights and Advantages Multi-line solutions — place GL, Property, WC, BOP, Auto, Professional Liability and Umbrella together for coordinated limits and consistent service. Underwriting flexibility — as the MGA for five admitted carriers, American Lumber Underwriters can tailor program structures across carriers to meet complex needs. Industry expertise — underwriters understand retail exposures specific to hardware stores: slip-and-fall, product and operations exposures tied to tool repair and lumber services, employee injuries in cutting and repair departments, and delivery/auto exposures. Practical endorsements and options — available endorsements and extensions to reflect typical hardware-store operations (discuss options with underwriting). Underwriting Notes and Minimum Premiums Underwriting focuses on size of the operation, revenue mix (retail vs. contractor sales), onsite services (repair benches, woodworking, chemical storage), and loss history. Please submit details on annual sales by class, payroll, list of onsite services, building construction and protection class, and a current loss run for the past 3–5 years. If you need minimum premium or specific binding requirements, contact our underwriting team — they can provide state-specific minimums and appetite guidance prior to submission. Territories and Availability This program is available in the following states: 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, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. For states not listed or for out-of-state placements, contact underwriting for options. Why Place Hardware Store Business with American Lumber Underwriters Managing General Underwriter with direct access to five admitted carriers — greater flexibility to match coverages and pricing to account-specific risks. Dedicated underwriting expertise for lumber, building materials and hardware retail operations. Streamlined submission process and responsive service to help you bind accounts and service renewals efficiently. To learn more about the Hardware Store Insurance program or to request a quote, please give us a call today or send us an email. Frequently Asked Questions What types of hardware accounts are a good fit for this program?Independent hardware stores, lumber & building supply retailers and small regional chains that provide retail sales plus contractor services (e.g., lumber cutting, tool repair, special orders) are an ideal fit. The program favors small to mid-size operations without large-scale fueling or heavy manufacturing on-site. Which coverages can I place through American Lumber Underwriters for a hardware store?You can place General Liability, Property, Workers’ Compensation, Business Owners Policy, Professional Liability, Auto Liability and Umbrella through this program. Underwriting can discuss additional endorsements relevant to hardware operations during the submission. What information does underwriting need with a submission?Provide a detailed submission including annual sales by class, payroll, description of on-site services (repair benches, cutting/threading, hazardous materials storage), building construction and protection details, and current loss runs. Photos and a list of subcontracted services are helpful for faster review. Are there states where this program is not available?The program is available in the states listed above. If you have an account outside those states or a unique risk profile, contact underwriting to explore options or alternative carrier capacity. How do I find out minimum premium or binding requirements?Minimum premium and specific binding requirements vary by state and carrier. Please contact American Lumber Underwriters’ underwriting team for state-specific minimums and quote thresholds before submission. Need help placing an account? Connect with a market specialist.

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From electronics to medical devices, textiles to printing, Worldwide Facilities, LLC offers access to top-tier insurance markets tailored to the diverse needs of the manufacturing and industrial sectors. As a trusted wholesale broker, we provide agents and brokers with comprehensive coverage solutions designed to manage the complex exposures found in these industries. Overview of the Program From Worldwide Facilities Our Manufacturing & Industrial insurance program is designed to support a broad range of manufacturers and distributors. We work with leading non-admitted carriers to offer customized solutions for challenging risks and niche operations. Whether your client manufactures consumer goods, rents out heavy equipment, or operates a machine shop, we can help you place the right coverage efficiently. Ideal Accounts and Appetite This program is ideal for small to mid-sized manufacturing and industrial businesses with unique or hard-to-place exposures. We accept accounts across a wide array of sectors, including: Chemical Clothing & Textiles Consumer Goods Electronics Equipment Rental & Sales Fabrication Food Production Industrial Machine Shops Medical Devices Metal Fabrication Petroleum & Plastics Printing Wood You might have a client operating a regional food manufacturing plant with product recall exposures, or a metal fabrication shop working with flammable materials—both are well within our appetite. Coverage Highlights and Advantages We offer access to a wide array of coverages to help your clients protect against both common and specialized risks, including: Product Recall – Protects against costs associated with defective product removal and replacement. Business Interruption – Covers lost income due to covered events that halt operations. Commercial Auto – For fleets and vehicles used in manufacturing operations. Excess / Products Liability – Provides additional protection beyond standard liability limits. Our carrier partners understand the nuanced exposures in manufacturing operations and can tailor coverages accordingly. Underwriting Notes and Minimum Premiums As a non-admitted program, flexibility in underwriting allows us to evaluate risks that may not fit standard markets. While we don't publish a set minimum premium, we focus on insurable, well-run operations with clearly defined processes and safety practices. Contact us to discuss account-specific underwriting details. Territories and Availability This program is available in most U.S. states, including but not limited to: CA, TX, NY, FL, IL, and WA. We currently offer access in all 50 states plus D.C., enabling you to place multi-state or regional accounts with confidence. Why Work With Worldwide Facilities Worldwide Facilities brings decades of wholesale brokerage experience and deep market access to your manufacturing accounts. Our dedicated team understands the complexity of industrial operations and is committed to helping you find competitive, comprehensive solutions quickly. With a responsive underwriting team and strong carrier relationships, we make it easier for agents and brokers to meet the evolving needs of their insureds. Visit us online for additional information. Contact Lori Hunter Executive Vice President (213) 236-4585 [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?We target a wide range of manufacturing and industrial classes, including machine shops, medical device manufacturers, food production facilities, and equipment rental operations. Is this program available in all states?Yes, we offer this program in all 50 states and Washington, D.C., making it suitable for both local and multi-state accounts. What coverages are commonly included?Common coverages include Product Recall, Business Interruption, Commercial Auto, and Excess or Products Liability, tailored to each client’s operations. Do you work with admitted or non-admitted markets?This program is placed through non-admitted markets, allowing for greater flexibility in underwriting and program design. Who should I contact for a quote or more information?Please reach out to Lori Hunter, Executive Vice President, for submission guidelines and access to carrier markets. Need help placing an account? Connect with a market specialist.

Workers Compensation Insurance Program from Veracity Insurance Solutions Veracity Insurance Solutions, LLC offers a streamlined Workers Compensation Insurance program tailored to meet the needs of small and mid-sized businesses. Backed by an "A" rated carrier, this in-house program provides agents and brokers with fast turnaround times and access to a wide range of class codes and industry types. Whether you're looking to place new business or find a better fit for an existing client, Veracity makes the process simple and efficient. Target Classes and Ideal Accounts This program is designed to serve a wide variety of low to moderate-risk industries. Target industries include: Retail Shops Office Professionals Automotive Service and Repair Hospitality Light Manufacturing Importers & Distributors Restaurants With over 185 eligible class codes, Veracity’s program is well-suited for agents handling diverse commercial accounts. For example, you might have a client that operates a chain of retail boutiques, or a small machine shop with light manufacturing needs—these are excellent prospects for this program. Coverage Highlights and Program Features Access to approximately 185 class codes Premiums up to $25,000 Experience Mods up to 1.20 accepted Maximum acceptable loss ratio: 50% The program is underwritten through RTW and offers admitted coverage in all available markets. This gives you the confidence of placing your clients with a highly rated, stable insurance provider. Submission Requirements To ensure fast and accurate quoting, please include the following with your submission: Completed Accord Application 5-Year Current Valued Loss Runs 5-Year Premium Breakdown NCCI Worksheet Minimum Premium and Underwriting Notes The program requires a minimum premium of $500, making it accessible for smaller accounts that might otherwise struggle to find cost-effective workers comp coverage. The underwriting team evaluates accounts based on mod, loss history, and industry type, with a preference for clean, stable risks. Territorial Availability This Workers Compensation program is available in the following states: AK, AZ, AR, CO, CT, FL, GA, HI, ID, IL, IN, IA, KS, KY, MD, MI, MN, MS, MO, MT, NE, NV, NJ, NC, PA, SC, SD, TN, TX, UT, VA, WI. Why Choose Veracity Insurance Solutions? As a direct access provider and carrier with in-house underwriting capabilities, Veracity Insurance Solutions offers brokers the ability to place workers compensation with confidence. Our efficient quoting process, competitive pricing, and industry-focused appetite make us a smart choice for agents looking to grow their commercial book. If your client falls within our appetite, we can help you deliver the coverage they need—quickly and reliably. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?Ideal accounts include small to mid-sized businesses in retail, hospitality, office-based professions, light manufacturing, automotive repair, and food service. What is the minimum premium required for this program?The minimum premium for this program is $500, making it accessible for many small businesses. What documentation is needed to submit a risk?Required submission items include a completed Accord application, 5-year loss runs, 5-year premium breakdown, and an NCCI worksheet. Is this program available on an admitted basis?Yes, coverage is offered on an admitted basis in all available markets. How quickly can I expect a quote?Veracity Insurance Solutions is known for fast quote turnaround times, especially when complete submissions are provided. Need help placing an account? Connect with a market specialist.

The health club limited service program is designed for U.S.-based owners and operators of health clubs offering programs and services that may include personal training, aerobics, yoga, pilates, free weights, resistance machines, cardio machines and a variety of exercise classes for members. Coverage provided includes important liability protection for the health club, including its employees, for liability claims arising out of the operations of the health club at a designated location. Note: coverage does not extend to independent contractors of the health club unless the optional coverage available with this program is purchased. Additional insurance programs may be available for facilities not eligible for this program, or those requiring additional coverage needs. Contact K&K to help place your risk. Eligible Operations for Health Club Limited Service Insurance: U.S.-based health clubs with annual sales of $500,000 or less qualify for this program. Coverages Available & Program Highlights: General Liability - Bodily Injury and Property Damage - Personal and Advertising Injury - Products and Completed Operations - Damage to Premises Rented to You - Medical Expense (other than participants) - Hired Auto and Non-owned Auto Liability (not provided in IL, LA, UT, VT and WI) - Professional Liability - Bodily Injury to Participants - No Charge for Certificates of Insurance - Premises Liability Included Optional Coverages - Equipment and Contents - Inland Marine - Abuse, Molestation, or Exploitation Defense Reimbursement Coverage - Medical Payments for Participants Coverage - Sexual Abuse or Sexual Molestation Liability - Liability for Independent Contractors (non-employees) - Primary limits of $1,000,000 to $5,000,000 available K&K Insurance offers sports and recreation websites offering online purchasing capabilities and commission for agents and brokers. The website is simple to use and provides an option to purchase coverage immediately using a credit card. K&K, a leading provider of sports, leisure and entertainment insurance programs, is a key supplier of coverage to the sports and recreation industry and is pleased to offer this innovative technology for our clients’ convenience. The program offers 10% commission to insurance agents when using the online binding system. A convenient registration areea allows agents to manage quotes and bound accounts. Coverage can be purchased at the following sites: www.fitnessinsurance-kk.com – small fitness and exercise facilities and instructors Please contact our regional sales directors for questions about programs offered by K&K. David Mello – AK, AZ, CA, CO, HI, IA, ID, IL, KS, MA, ME, MN, MO, MT, ND, NE, NH, NJ, NV, NY, OK, OR, SD, UT, VT, WA, WI, WY [email protected] 260.438.7611 Nick Pentsos – AL, AR, CT, DC, DE, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, RI, SC, TN, TX, VA, WV [email protected] 260.222.1864