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Manufacturers & Distributors Insurance In...imilar product lines — from small manufacturers to regional distributors. What...

Tool manufacturers face distinct workers compensatio...deal for small- to mid-sized tool manufacturers, including CNC machine shops, ...

MANUFACTURERS & DISTRIBUTORS INSURANCE Com...program?This program is ideal for manufacturers, importers, and distributors o...

...ontractors, retail businesses, manufacturers, LROs, and service-based operatio...

As a sheet metal contractor, your clients face a wide range of occupational hazards—from sharp metal edges and heavy machinery to elevated work areas and welding operations. Each specialty within the sheet metal industry presents its own set of risks, making it critical to have a tailored Workers Compensation solution in place. Novatae Risk Group, through its Empire Underwriters division, offers a specialized Workers Compensation Insurance Program designed specifically for sheet metal contractors, addressing both common and complex risk scenarios. With over 30 years of experience working with sheet metal companies, our team understands the operational challenges and regulatory requirements these businesses face. Whether your client is a new venture or a long-standing operation with a complicated loss history, we have the underwriting expertise and market access to help you place hard-to-fit risks effectively. Ideal Accounts and Appetite: Experience MOD of 1.30 or higher High hazard or tough-to-place classes Blue, gray, and white-collar operations Accounts in state risk pools or assigned risk funds Distressed, lapsed, or non-renewed accounts No prior coverage—OK New ventures welcome Multi-state operations and exposures Hard-to-place Workers Compensation risks If you have a sheet metal contractor client recently dropped from a standard carrier or one operating across state lines with inconsistent coverage, this program is built to help you find a reliable solution. Coverage Highlights and Advantages: Fast quote turnaround Access to multiple "A" rated carriers Stand-alone Workers Compensation policies Guaranteed cost programs available Integrated Work Comp solutions Dividend and retrospective rating plans High deductible options Customized account handling for complex risks Underwriting Requirements and Minimum Premium: Completed ACORD 130 application 3–4 years of loss runs Detail on any large losses Supplemental questionnaire Minimum premium starts at $10,000. Submissions with thorough documentation receive faster underwriting and quoting. Available States: This program is available nationwide in most states, including but not limited to: CA, FL, TX, NY, IL, PA, GA, and AZ. Multi-state risks are a specialty, and we work across admitted and non-admitted markets depending on the state and account profile. Why Work With Novatae Risk Group? Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines Broker with deep expertise in Workers Compensation. Through Empire Underwriters, we deliver custom solutions for tough classes like sheet metal contracting. Our long-standing carrier relationships, underwriting knowledge, and responsive service make us a strong partner for agents and brokers seeking to place difficult or non-standard accounts. Do you need a Workers Compensation Insurance Quote for Sheet Metal Contractors? 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 sheet metal contractors with high MODs, prior losses, multi-state exposure, or those dropped by standard markets. Can new ventures with no prior coverage apply?Yes, new ventures and accounts with no prior Workers Compensation coverage are eligible for consideration. What documents are required to submit a quote?You’ll need a completed ACORD 130, 3–4 years of loss runs, details on large losses, and a supplemental questionnaire. Are multi-state operations acceptable?Yes, multi-state risks are a specialty of this program, and we can tailor solutions across various jurisdictions. What is the minimum premium for this program?The minimum premium typically starts at $10,000, depending on the risk characteristics and state. Need help placing an account? Connect with a market specialist.

The advantages of working with Pride Risk include: Lower upfront costs More predictable cash flow Unmatched focus on loss control Convenience of a committed partnership Overview — PRS High Hazard/High Mod Workers' Compensation Pride Risk Solutions, Inc. offers the PRS High Hazard/High Mod Workers' Compensation program for agents who need a reliable, specialty market for difficult-to-place workers’ comp accounts. As a program administrator with access to admitted capacity (Lion Insurance Company and State National Insurance Company in CA, NY & KY), Pride Risk focuses on higher-risk classes and employers with elevated experience modifiers or past coverage gaps. Ideal Accounts and Target Classes This program is built for insureds who struggle to find affordable, admitted coverage in traditional markets. Typical classes include: Manufacturing HVAC / Sheet Metal Masonry Landscaping Electrical, Plumbing, Painting Food Processing, Bakeries, Hospitality Warehouse operations and cold storage Trucking / Transportation Retail / Wholesale and Property Management Janitorial / Residential cleaning Staffing (excluded in NY) Seasonal operations (advised upfront) Heavy construction — NY artisan construction only (request acceptable codes) Who this program helps Accounts with experience modifiers over 1.00 Employers with prior cancellations, non-renewals, or gaps in coverage Businesses with large prior losses or poor claims history that need structured loss control Prospects with few placement options outside of a State Insurance Fund You might have a client with a 1.25 X-mod in manufacturing who has been quoted only by the state fund — Pride Risk can provide an alternate admitted solution. Or you may represent a warehouse operation with a history of large claims that needs a partner focused on loss control and predictable cash flow. Coverage Highlights and Program Advantages Access to admitted carriers where available; non-admitted placements considered as appropriate Underwriting tailored to high-mod, high-hazard classes with strong loss-control emphasis Faster initial non-binding indications (1–2 business days) and structured approval timelines (3–7 business days) Simplified binding requirements to accelerate placement once approved Appetite and Common Exclusions Typical exclusions and restrictions include: Towing USL&H exposure Hazardous materials handling Accounts with greater than 25% use of part-time labor Underwriting Notes — What we need for a complete submission To obtain a competitive quote through one of Pride Risk’s appointed Managing General Agents (MBAs), provide the following documentation: ACORD 130 Complete description of operations Five years of fully valued loss runs Screenshot or copy of the experience modifier (X-Mod) Industry-specific supplemental application Target premium Typical underwriting indicators that improve placement odds include clear loss-control programs, detailed operations descriptions, and credible plans to reduce frequency and severity. Rate Quotes, Approvals and Binding Non-binding rate indications: 1–2 business days Underwriting approvals: typically 3–7 business days Required to bind: Signed ACORD 130, signed request to bind including signed proposal and signed supplemental. A $1,000 policy fee and a no-loss letter (if applicable) may also be required. Minimum premium varies by state and industry. Territories and Carriers Territories available: AL, AZ, CA, CO, FL, GA, IL, KY, LA, MD, MS, NV, NJ, NM, NY, NC, OK, PA, SC, TN, TX, VA and DC. Pride Risk places business with Lion Insurance Company and State National Insurance Company (for CA, NY & KY) where appropriate. Admitted capacity is available in many states; consult Pride Risk or its appointed MBA for state-specific admitted/non-admitted options. Why work with Pride Risk Solutions, Inc.? Program administrator experienced in placing high-mod, high-hazard workers’ comp risks. Partnership-focused approach: underwriting and loss control work together to manage severity and improve renewals. Faster indications and a streamlined binding process for time-sensitive renewals or cancellations. Support for larger wholesalers, MGAs/MGUs — appointment opportunities available for partners who meet performance expectations. Contact Pride Risk today if you want access to this program through one of its appointed MBAs. If you are a large wholesaler, MGA, or MGU and can meet performance expectations, inquire about becoming appointed. Frequently Asked Questions What types of accounts are a good fit for the PRS High Hazard/High Mod program?Accounts in manufacturing, HVAC/sheet metal, masonry, landscaping, food processing, warehouse/cold storage, transportation, and similar high-hazard classes are a strong fit — especially those with X-mods over 1.00, prior cancellations, or limited market options. What documentation is required for a complete submission?Provide a completed ACORD 130, a full description of operations, five years of fully valued loss runs, a copy or screenshot of the experience mod, any industry-specific supplemental, and the target premium. How quickly can I expect a rate indication or an approval?Non-binding rate indications are typically available in 1–2 business days. Underwriting approvals generally take 3–7 business days, depending on class and documentation completeness. Are there states or classes the program will not consider?The program excludes towing, USL&H exposure, hazardous materials handling, and accounts with greater than 25% part-time labor. Availability varies by state; consult Pride Risk for state-specific limitations. Need help placing an account? Connect with a market specialist.

Sheet Metal Contractors face a broad range of general liability exposures, from working on small-scale residential projects to large commercial structures. Their work often involves elevated risks related to installation, repair, and remodeling. For insurance agents and brokers, placing these accounts requires access to a flexible, contractor-specific program—not a generic one-size-fits-all solution. Novatae Risk Group offers a custom-tailored General Liability Insurance program designed specifically for small to mid-sized Sheet Metal Contractors. With underwriting provided by Empire Underwriters and access to both admitted and non-admitted carriers rated up to A-XV, this program delivers dependable coverage options, fast quoting turnaround, and hands-on broker support. Ideal Accounts and Appetite This program targets sheet metal contractors with annual payrolls under $1,000,000. Eligible operations include: Sheet metal installation for residential and commercial buildings Service and repair work on existing structures New construction of single-family homes and low-rise commercial buildings Remodeling and repair projects You might have a client who installs ductwork in commercial retail spaces or one who services metal siding on residential homes—both are a great fit for this program. Ineligible Risks New construction of condominiums or townhouse developments (some exceptions may apply) Projects involving structures taller than three stories (subject to exception review) Coverage Highlights Blanket Additional Insured endorsements Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate limits Limited Subsidence coverage Prior Projects coverage (with limitations) These features help your clients meet contract requirements and protect against job site liability exposures. Submission Requirements and Minimum Premium Completed ACORD applications 3–5 years of currently valued loss runs Supplemental application for sheet metal operations Project-specific pollution application, if applicable Minimum premiums start at $1,500, depending on risk profile and state. Territories and Availability 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, NC, PA, SC, TN, TX, UT, VA, and WV. Coverage is offered through both admitted and non-admitted carriers, allowing flexibility across a range of regulatory environments. Why Work With Novatae Risk Group? As a wholesale broker with deep expertise in contractor risks, Novatae Risk Group provides agents and brokers with access to customized insurance solutions backed by responsive underwriting teams and strong carrier relationships. Their sheet metal contractor program is built to help you serve your clients faster and with greater confidence. Call 800-758-8113 to speak with an experienced broker, or email your submission to [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?Small to medium-sized sheet metal contractors with under $1,000,000 in annual payroll who focus on installation, service, repair, or remodeling projects are ideal for this program. Are new construction projects eligible?Yes, new construction work on single-family homes and low-rise commercial buildings is eligible. However, new condo or townhouse developments are generally excluded. What documentation is required to submit an account?You will need completed ACORD forms, loss runs for the past 3–5 years, a supplemental application, and a pollution-specific application if applicable. What coverages are commonly included?Available coverages include Blanket Additional Insured, Waiver of Subrogation, Primary and Non-Contributory wording, and Per Project Aggregate, among others. In which states is this program available?The program is available in over 25 states, including CA, TX, FL, NY, and many others across the South, Midwest, and West. Need help placing an account? Connect with a market specialist.

... Water service districts Metalworking operations Manufacturing Risks ...

Captives & Alternative Markets Program From SB&T Smith Bell & Thompson, Inc. (SB&T) offers a comprehensive Captives & Alternative Markets program designed to help agents and brokers place complex and large commercial risks. As Vermont’s foremost independent captive management company, SB&T brings decades of specialized expertise in structuring, forming, and managing a full range of captive insurance vehicles. If you’re looking to deliver customized risk solutions for your clients, SB&T provides the tools and experience to make it happen. Ideal Accounts and Appetite This program is ideal for agents working with large commercial clients who are seeking more control over their insurance costs and risk management strategies. Suitable industries often include manufacturing, transportation, construction, healthcare, and other sectors with consistent loss history and strong risk management practices. You might have a client with high premium outlays or unique exposures that traditional markets struggle to underwrite—this is where captives can offer a strategic advantage. Whether your insured is a single-parent company seeking a pure captive or a group of businesses forming an association captive, SB&T can structure a solution tailored to their needs. Coverage Highlights and Advantages SB&T provides full-scope management for the following captive types: Pure Parent Captives Industrial-Insured Captives Association Captives Risk Retention Groups (RRGs) Branch Captives Sponsored Captives As an approved manager in the domiciles of Vermont (VT), South Carolina (SC), and the District of Columbia (DC), SB&T ensures regulatory compliance and operational excellence. These captive structures offer benefits such as: Improved risk control and loss prevention Potential for underwriting profit and investment income Access to reinsurance markets Tailored coverage for unique or hard-to-place risks Long-term stability in pricing and capacity Underwriting Notes Each captive formation is customized based on the client’s size, risk profile, and goals. While there is no published minimum premium, this program is best suited for medium to large accounts with significant premium volume and predictable loss experience. SB&T works closely with agents and their clients to conduct feasibility studies and evaluate captive suitability before moving forward with formation and management. Territories and Availability SB&T’s Captives & Alternative Markets program is available in: Vermont (VT) South Carolina (SC) District of Columbia (DC) These domiciles are known for their strong regulatory frameworks and supportive environments for captive insurance arrangements. Why Work With SB&T? With a focused expertise in captive insurance, SB&T offers independent agents and brokers a trusted partner for delivering sophisticated alternative risk solutions. Their hands-on management, deep regulatory knowledge, and transparent approach help ensure a successful captive experience for both you and your client. Whether you are new to captives or managing a portfolio of complex risks, SB&T provides the guidance and support you need to compete and win larger accounts. Frequently Asked Questions What types of accounts are a good fit for this Captives program?Large commercial clients with strong risk management practices, stable loss histories, and significant premium volume are ideal candidates. Industries like manufacturing, healthcare, and transportation are commonly represented. What captive structures does SB&T manage?SB&T manages Pure Parent, Industrial-Insured, Association, Risk Retention Group, Branch, and Sponsored Captives across approved domiciles. In which states is this program available?This program is available for captives domiciled in Vermont (VT), South Carolina (SC), and the District of Columbia (DC). Does SB&T assist with feasibility studies?Yes, SB&T works with agents and clients to conduct thorough feasibility studies before forming a captive, ensuring that the structure fits the client’s goals and risk profile. Is this program admitted or non-admitted?This is a non-admitted program focused on captive and alternative market solutions that fall outside traditional insurance parameters. Need help placing an account? Connect with a market specialist.