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Workers Compensation Insurance for manufacturing operations can be especially complex. Electrical equipment manufacturers face unique risks tied to specialized processes, energized work, assembly and testing activities, and potentially costly claims. Novatae Risk Group offers a tailored Electrical Equipment Manufacturer Workers Compensation Insurance program developed in partnership with Empire to address those industry challenges and give agents a reliable market for these accounts. Whether you are moving an existing client to a new carrier or targeting new manufacturing business, Novatae’s program provides a focused option for electrical equipment manufacturers. Our underwriting team and brokers will evaluate accounts for fit within the program’s appetite and structure — helping you place business efficiently. Please contact us at 800-758-8113 to speak with our experienced brokers about your Electrical Equipment Manufacturer Workers Compensation Insurance accounts. Ideal Accounts and Appetite Manufacturers of electrical components and devices Operations involving assembly, fabrication, and testing of electrical equipment Accounts with documented safety programs and moderate-to-good loss histories Typical fits include clients that manufacture circuit boards, transformers, control panels, switchgear, or related electrical assemblies. We will consider accounts with a history of larger losses when accompanied by loss explanations, remediation plans, and strong safety documentation. Example scenarios agents commonly place through this program: A mid-sized control panel fabricator with a formal safety program, lockout/tagout procedures, and three years of stable loss runs. A contract electronics assembler that conducts final testing and calibration on finished boards, with documented training and low frequency of claims. Program Features Only $7,500 Minimum Premium Program Highlights 10% commission for appointed agents Fast quote turnaround with completed submissions Access to multiple markets through Novatae’s carrier relationships Coverage available in over 20 states Submission Requirements ACORD 130 application Three years of currently valued loss runs Completed supplemental questionnaire Details on any large or unusual losses States and Availability Coverage is currently 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, WV. Admitted and non-admitted options are available depending on the market and state. Why Work With Novatae Risk Group Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines Broker with deep expertise in niche and hard-to-place manufacturing risks. We combine underwriter responsiveness, targeted appetite, and broad carrier access to help you close more workers compensation placements for electrical equipment manufacturers. Our team can guide submission requirements, advise on loss control documentation, and move accounts quickly when fit is confirmed. Do you need a Workers Compensation Insurance Quote for your Electrical Equipment Manufacturer? 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?Ideal accounts include manufacturers of electrical components, control systems, panels, and other electrical equipment with stable operations and a moderate-to-good loss history. What is the minimum premium for this Workers Compensation program?The minimum premium starts at $7,500, making the program suitable for mid-sized operations and larger manufacturers. Which states is this program available in?This program is available in over 20 states, including CA, TX, FL, NY, and IL, among others listed above. What documents are needed to submit an account?Submissions should include an ACORD 130, three years of currently valued loss runs, a completed supplemental questionnaire, and details on any large or unusual losses. How quickly can I expect a quote?Quotes are typically provided quickly once a complete submission is received, thanks to Novatae’s efficient underwriting team. Need help placing an account? Connect with a market specialist.

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.

Manufacturing Insurance Program from Citadel Insurance Services Citadel Insurance Services specializes in placing hard-to-insure manufacturing accounts through our dedicated Manufacturing Insurance Program. As a Managing General Agency (MGA), we have access to a wide range of carriers and can offer tailored coverage solutions—even for high-risk or niche operations. Whether your client is a small startup or an established manufacturer, our team can help you find the right coverage to meet their unique risk profile. Ideal Accounts and Appetite We welcome a diverse mix of manufacturing classes, including those often considered difficult to place. Our program is designed to accommodate a wide array of products and industries. Some of our key target products include: Consumer Products Recreational Products Life Science Products Dietary Supplements Sporting Goods Children’s Products Marine Products Plastics Fireworks and Pyrotechnics Electrical Products Chemicals And many more From nutraceutical manufacturers to firms producing high-liability items like fireworks or children’s toys, we are equipped to handle complex exposures. You might have a client with a new consumer gadget or a small-batch chemical supplier—both could be excellent fits for our program. Coverage Highlights and Advantages Our markets offer comprehensive manufacturing coverage options, including but not limited to: General Liability Product Liability Property and Equipment Coverage Completed Operations Excess Liability/Umbrella We work with multiple carriers, so we can match your client’s needs with the most appropriate market. We’re also able to structure flexible solutions for unique manufacturing exposures, including those involving international distribution or component sourcing. Underwriting Notes and Minimum Premiums We offer competitive minimum premiums starting at $2,500. Our underwriters are experienced in the nuances of manufacturing risks and can quickly assess fit and pricing. We’re especially helpful for agents struggling to place accounts due to prior claims, unusual products, or emerging industry segments. Territories and Availability The program is available in most states, including all continental U.S. states plus Alaska, Hawaii, and Washington D.C. Some markets are admitted depending on the state and class of business, while others are non-admitted. We can guide you through the right options based on your client’s location and operation type. Why Work with Citadel Insurance Services? Citadel Insurance Services is known for its underwriting focus and responsiveness. We’re not just a portal—we’re a partner who works alongside you to find the best fit for your manufacturing accounts. Our ability to handle difficult-to-place risks and our broad carrier access make us a go-to market for agents looking to write more manufacturing business. Let us help you grow your book with confidence. Please contact us for more information on our Manufacturing Insurance program! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for manufacturers of consumer goods, dietary supplements, recreational products, chemicals, and other high-risk or niche products—even businesses that are hard to place elsewhere. Are admitted markets available through this program?Yes, some admitted markets are available depending on the state and product class. We also offer non-admitted options for more complex risks. What is the minimum premium for this program?The minimum premium starts at $2,500, though final pricing will depend on individual risk factors and coverage selections. Can this program handle manufacturers with prior claims?Yes, we specialize in hard-to-place risks and can often work with accounts that have prior losses or claim history, depending on the circumstances. Which states is the program available in?The program is available in most states across the U.S., including all 50 states and Washington D.C. Need help placing an account? Connect with a market specialist.

Dependable Workers' Compensation for Manufacturing Risks Since launching in 2008, SeaBright Insurance Company and Matias Underwriters have provided reliable, industry-focused workers' compensation coverage for manufacturing operations. Our underwriters evaluate each account on its specific exposures, safety controls and loss history to deliver tailored eligibility decisions and competitive pricing. This program is built for agents who need responsive service, disciplined underwriting, and admitted solutions across the program territory. Ideal Accounts and Target Classes SeaBright’s manufacturing workers' compensation program has broad appetite across light- to moderate-risk manufacturing. We write accounts from smaller shops to larger, more complex operations. Target classes include: Bakeries Boot/Shoe Manufacturing Breweries, Distilleries, and Bottlers Box, Paper Goods, and Packaging Manufacturers Brass, Copper, and Sheet Metal Products Electronics and Electrical Apparatus Manufacturing Food Processing and Canneries Furniture and Mattress Manufacturing Glass, Pottery, and Plastics Manufacturing Machine Shops and Tool Makers Pharmaceuticals, Surgical Goods, and Paint Manufacturing Textile Manufacturers and Tailors Publishers and Printers Jewelry, Leather Goods, and Luggage Manufacturing For specialty or niche manufacturing segments, our underwriting team is available to review unique operations and help you place business with confidence. Coverage Highlights and Advantages SeaBright’s workers' compensation program is structured to address common manufacturing exposures while providing straightforward service to producers. Key advantages: Underwriting expertise focused on manufacturing risks Customized underwriting that looks at operations, controls and loss trends Flexible, responsive service from experienced underwriters Strong claims handling and industry-specific claims support Underwriting Notes and Minimum Premium We consider accounts of varied sizes; the program’s minimum premium is $25,000. Underwriting decisions reflect the operation’s scale, safety program, loss history and industry exposures. Typical characteristics of a good fit include stable operations, documented safety protocols, and manageable loss experience. Accounts with frequent, severe losses or unusually hazardous operations may not qualify. Example fits: You might have a regional bakery with centralized safety procedures and a clean loss record seeking admitted coverage across multiple states — this program can be competitive. A mid-sized electronics assembler with formal return-to-work and safety programs could also be a solid fit for SeaBright’s manufacturing appetite. Territories and Availability This program is available in the following states: CT, DE, FL, GA, IN, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, NE, NH, NJ, NC, OK, RI, TN, TX, VT, VA, DC, and WI. SeaBright offers admitted coverage in all available territories. Why Work With SeaBright and Matias SeaBright Insurance Company specializes in workers' compensation for niche industries that require focused underwriting and claims expertise. Rated A- IX (Excellent) by A.M. Best*, SeaBright combines financial strength with underwriting discipline. Matias Underwriters is a dedicated commercial brokerage and program administrator with deep experience placing manufacturing accounts. Our team prioritizes quick responses, clear communication, and practical solutions that help you close business efficiently. Contact us today to learn how SeaBright and Matias can support your manufacturing clients: Glenn Matias · Phone: 781.710.8022 · Email: [email protected] Send your submissions to [email protected] *A.M. Best ratings range from “A++” (Superior) to “F” (In Liquidation). Ratings from “A++” to “B+” are generally considered “Secure.” Frequently Asked Questions What types of accounts are a good fit for this program?The program is best for manufacturers with stable operations, documented safety programs, and reasonable loss histories. We target a broad set of manufacturing classes including food processing, electronics, machine shops, and light assembly. What is the minimum premium for submissions?The minimum premium for this program is $25,000. We will consider accounts of different sizes provided they meet underwriting guidelines. In which states is this program available?The program is available in CT, DE, FL, GA, IN, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, NE, NH, NJ, NC, OK, RI, TN, TX, VT, VA, DC, and WI. Does SeaBright offer admitted coverage?Yes. SeaBright provides admitted workers' compensation coverage in all program states listed above. Who should I contact for quotes or questions?Contact Glenn Matias at 781.710.8022 or [email protected]. Send submissions to [email protected]. Need help placing an account? Connect with a market specialist.

... You might have a client who manufactures industrial tools or electrical com...

Monarch Partners Group LLC (MPG) is a program administrator with more than 25 years placing standard and alternative-market workers’ compensation solutions nationwide. For independent agents and brokers who need competitive options for high-risk or hard-to-place manufacturing accounts, MPG’s Manufacturing Workers' Compensation Insurance Program delivers tailored underwriting, flexible structures, and quick placement. Overview of the Program From Monarch Partners Group MPG’s Manufacturing Workers' Compensation Insurance Program is built for manufacturers who struggle to secure coverage in traditional markets—including accounts with elevated experience mods, adverse loss histories, or high-rate class codes. A signature feature is the Payroll Opt-out Work Comp Program (POWC), which lets qualifying risks retain their own payroll and tax operations while accessing MPG’s master policy pricing and services. Ideal Accounts and Appetite This program is a fit when you’re placing: Mid-size to large manufacturers targeting $50,000+ in annual premium Accounts with high-debit Xmods or a history of claims Risks with higher-cost manufacturing class codes Clients who need flexible payroll solutions or pay-as-you-go billing New ventures or accounts returning after a lapse in coverage Example: you might have a manufacturer with a $100,000 projected premium and an Xmod of 1.5 that traditional carriers are declining. MPG’s program — especially the POWC structure — can often provide competitive placement where admitted markets fall short. Coverage Highlights and Advantages MPG’s manufacturing program gives agents access to features that help place difficult risks: Placement with “A”-rated carriers where available Broad class code acceptance and nationwide availability Payroll Opt-out (POWC) structure for clients who want to keep payroll and tax control Pay-as-you-go premium options to improve client cash flow Both guaranteed cost and deductible plan structures No automatic Xmod or loss ratio exclusions—cases are reviewed on their merits Support for mid-term placements and new business startups Optional bundled services such as HR tools and payroll processing With POWC, larger employers can issue payroll from their own accounts and minimize employee paperwork while benefiting from MPG’s master policy rates and loss-control resources. Underwriting Notes and Minimum Premiums Minimum premium for the POWC structure is $100,000. Typical submission requirements include: Completed ACORD 130 Three years of currently valued loss runs Current policy declarations or applicable PEO rates Experience mod worksheet (Xmod) Any relevant supplemental information (safety programs, return-to-work policies, etc.) Underwriting is case-by-case. MPG’s team reviews large or complex manufacturing risks with a flexible approach—provide complete submissions to speed quoting. Territories and Availability MPG’s Manufacturing Workers’ Compensation Program is available nationwide, including all 50 states and DC. Coverage availability and admitted/non-admitted placement can vary by state and case characteristics; discuss specific state requirements with your MPG market specialist. Why Work With Monarch Partners Group Monarch Partners Group stands out for deep underwriting experience in difficult placements, fast turnaround, and strong carrier relationships. Agents benefit from direct access to MPG’s in-house underwriters, practical risk-management tools, and flexible program structures designed for manufacturing exposures. If you’re facing a large or distressed manufacturing account that’s hard to place, MPG offers a realistic alternative to standard markets. Frequently Asked Questions What types of manufacturing accounts are a good fit for this program?Mid-to-large manufacturers with $50,000+ in premium, elevated Xmods, difficult class codes, prior losses, or coverage gaps are the primary targets. What is the Payroll Opt-out Work Comp Program (POWC)?POWC lets qualifying employers remain on their own payroll and tax systems while accessing MPG’s master workers’ compensation policy pricing and services. Is pay-as-you-go premium billing available?Yes. MPG offers pay-as-you-go options to help clients manage cash flow and avoid large upfront premium payments. Are new ventures eligible for this program?Yes. New manufacturing ventures can be eligible if they meet underwriting criteria and provide the requested supporting information. How fast can I get a quote?MPG aims for quick turnaround when full submission documents are provided—complete ACORDs, loss runs, and Xmod worksheets accelerate the quote process. Need help placing an account? Connect with a market specialist.

Manufacturing, Wholesaling, and Importing Insurance — Citadel Insurance Services Citadel Insurance Services offers a specialized Excess & Surplus Lines program for manufacturers, wholesalers and importers. Our Manufacturing, Wholesaling, and Importing Insurance program is built to place hard-to-place product and distribution risks—from small domestic manufacturers to complex importers and national wholesalers. As an E&S broker with placement relationships across a selective carrier panel, Citadel helps you find capacity where admitted markets may decline or limit terms. Overview of the Program This program is designed for agents who need flexible E&S solutions for product-exposure businesses. Citadel leverages relationships with carriers including Great American, Markel, Lloyd’s, First Mercury, Lexington and Kinsale to offer broad liability solutions, excess/umbrella layers, and ancillary coverages appropriate to manufacturing, wholesaling and importing operations. Ideal Accounts and Appetite Manufacturers of consumer goods, industrial parts, electronics and plastics Wholesalers and distributors with national or international channels Importers and brokers handling foreign-sourced goods for U.S. distribution Specialty product lines such as juvenile products, toys, sporting goods, marine and aviation components We also consider higher-risk product lines (fireworks, chemicals, firearms and performance auto parts) on a case-by-case basis and typically require enhanced underwriting information for these classes. Coverage Highlights and Advantages Primary general liability and products/completed operations liability designed for product exposures Excess/umbrella limits and higher-capacity placements through our E&S carrier panel Flexible placement for importers with inland marine or shipment-related exposures Ability to structure layered placements for mixed operations (manufacture + distribution + import) Underwriting focused on product lifecycle risk management—manufacturing controls, testing, labeling and distribution controls Underwriting Notes and Minimum Premiums Typical submissions should include product descriptions, revenue by territory, distribution channels, loss history, quality control/testing procedures and any recall or regulatory history. Citadel’s E&S placement approach means underwriters expect detailed information for higher-severity exposures. Minimum premium: $1,500. Higher minimums may apply depending on class, limits and carrier selection. We frequently request risk-control measures and documentation for imported goods (supplier audits, compliance with U.S. standards, labeling). Appetite Limits and What May Not Fit Good fits: manufacturers and distributors with documented quality controls, consistent product lines, and manageable recall exposure. We are willing to consider complex import/export operations and mixed manufacturing/distribution businesses. Fits we typically decline or require heavy scrutiny: products with intentional misuse exposure without mitigation, unsupported high-severity claim history, or accounts lacking basic product safety/testing documentation. Certain high-hazard classes may be declined or limited by specific carriers. Territories and Admitted Positioning This program is offered as E&S placements through Citadel Insurance Services and is available in the following states and territories: 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. Because placements are non-admitted, terms and availability are subject to state E&S rules and carrier appetite. Why Work with Citadel on These Risks Specialized underwriting focus on product and distribution risks Access to multiple E&S markets with tailored placement strategies Practical submission guidance to improve placement outcomes Experienced handling of mixed operations (manufacture + wholesale + import) Example Accounts Example 1: You have a regional wholesaler importing outdoor recreation products from overseas with U.S. distribution to retailers. The client has solid supplier testing records but needs product liability capacity and inland-marine coverage for shipments—this program can combine liability and shipment solutions through E&S carriers. Example 2: You represent a small manufacturer of protective apparel selling to industrial clients and retailers nationally. Admitted markets limited terms due to previous product claims; Citadel can pursue excess capacity and structured E&S placements informed by the client’s quality controls and loss mitigation plans. Frequently Asked Questions What types of accounts are a good fit for Citadel’s Manufacturing, Wholesaling, and Importing program?Accounts that manufacture, distribute or import physical products—especially those with product liability exposure or complex distribution channels. Good fits have documented quality control, sales/territory detail and manageable loss history. Which coverages and carriers are available through this program?We place primary and excess liability solutions, products/completed operations and specialty placements tied to shipment or import exposures. Citadel works with carriers such as Great American, Markel, Lloyd’s, First Mercury, Lexington and Kinsale to secure capacity. Is this program placed on admitted paper?This program is positioned through Excess & Surplus Lines placement and is generally non-admitted. Availability and requirements depend on carrier appetite and state E&S rules. What information should I include in a submission?Provide product descriptions, annual revenue and sales by state/territory, distribution channels, loss history, manufacturing/testing controls, supplier documentation for imports and any prior recall history. More detail improves the chance of favorable terms. What is the minimum premium?The program’s typical minimum premium starts at $1,500; final minimums depend on class, limits and carrier selection. Need help placing an account? Connect with a market specialist.

The Safehold Special Risk Metals & Plastics Manufacturing and Machining Insurance program is specifically designed to meet the complex insurance needs of contract manufacturers and precision tooling operations. Built on ISO-based forms and enhanced with tailored endorsements, this program offers broad protection for businesses engaged in metalworking, precision machining, and plastics manufacturing. Whether your client is a small job shop or a national facility with hundreds of employees, Safehold’s industry expertise ensures that each policy is underwritten by professionals who understand the unique exposures of this sector. The program is supported by responsive claims administration and flexible payment options, helping agents and brokers deliver valuable solutions to their insureds quickly and efficiently. Ideal Accounts and Appetite This program is ideal for: Precision tool manufacturers Plastics and rubber component manufacturers Metal stamping, fabrication, and machining shops OEM suppliers and contract manufacturers Accounts should have solid risk management practices and a focus on manufacturing, assembly, or machining of metal or plastic components. The program can accommodate operations of various sizes, from regional machine shops to large-scale industrial manufacturers. Coverage Highlights and Advantages Core coverages include: Property General Liability Product Liability Commercial Auto Workers' Compensation Umbrella Loss of Business Income Equipment Breakdown Inland Marine Crime Optional coverages and endorsements include: Aviation Product Liability (subject to underwriter review) Manufacturers Errors & Omissions (availability varies by state) Customized enhancements for property, auto liability, and equipment breakdown Loss control and risk management support, including four online defensive driving courses Underwriting Notes Each submission is reviewed by underwriters with deep experience in the metal and plastic manufacturing sector. While there is no stated minimum premium, underwriting appetite tends to favor businesses with sound operations and established safety protocols. Aviation and E&O exposures may require additional review and eligibility varies by state. Territories and Availability This program is available in most states, including AL, AK, AZ, AR, 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, and WY. Coverage is offered on an admitted basis in some states. Why Work With Safehold Special Risk? Safehold Special Risk is a trusted program administrator with a strong focus on niche manufacturing industries. Their Metals & Plastics Manufacturing and Machining Insurance program combines industry-specific underwriting, customizable coverage, and responsive service to help agents and brokers protect complex commercial accounts. You might have a client who operates a CNC machining facility supplying precision parts to the aerospace or medical device sector—Safehold can help tailor coverage for their unique exposures, including optional E&O and aviation product liability when eligible. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include metalworking and plastics manufacturing businesses such as precision machining shops, stamping operations, and contract manufacturers. Is aviation product liability included in the standard policy?No, aviation product liability is available as an optional endorsement and is subject to underwriter review and eligibility. Can I access this program in all 50 states?The program is available in most states. Coverage is offered on an admitted basis in some, but not all, states. Check with Safehold for state-specific availability. Are there risk management services included?Yes, the program includes loss control services and access to four online defensive driver courses to support client safety programs. Who underwrites the policies in this program?Each policy is underwritten by specialists at Safehold Special Risk with expertise in the metalworking and plastics manufacturing industries. Need help placing an account? Connect with a market specialist.

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.