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...nal vessels, including older and modified boats. All submissions are reviewed ...e and sport. Can you cover older or modified vessels?Yes. Older and modified vessels are within appetite but r...

...protection compared to standard homeowners insurance. Ideal Accounts and Appe...ransit and loan coverage that most homeowners policies exclude or limit. Can c...

Novatae Risk Group offers an Alternative Workers Compensation program—underwritten by an admitted A-rated carrier—designed for insureds with high-risk class codes and elevated experience modifiers. If your clients are being steered to the State Compensation Insurance Fund or have limited admitted options, this program provides a competitive market alternative that can produce meaningful hard-dollar savings. While the program was developed to address risks with operations and employees in New York, Novatae Risk Group places similar high-risk and high X-Mod workers' comp solutions across the states listed below. The program is built to deliver lower upfront costs, low start-up fees, and flexible pay-as-you-go payroll options to help clients preserve immediate cash flow. Send us your high-risk and high X-Mod workers’ compensation submissions—we can evaluate whether this market is an appropriate placement for your client. Broad Eligible Class Codes (Not a Complete List): Trucking / Transportation / Furniture Movers Food Processing / Bakeries Cold Storage Janitorial / Property Management / Residential Cleaning Retail / Wholesale Manufacturing Hospitality Drivers Warehouse Operations Exclusions: Construction Temporary staffing USL&H exposure Hazardous material handling Seasonal operations Greater than 25% use of part-time labor Armed guards Experience Modifiers Considered: Ideal risks have X-Mods of 1.30 and above Will consider risks with X-Mods between 1.0 and 3.0 Minimum Premium: $75,000 minimum premium $100,000 minimum for trucking exposures PEO Benefits: Workers Compensation: Admitted "A" Excellent (VIII) rated carrier by A.M. Best Insureds retain their experience modifier (X-Mod) Payroll Administration: Payroll taxes Government reporting Management reporting Cost analysis Record keeping Salary history Payroll processing Vacation, holiday & sick pay administration Paperwork reduction Risk Management: Workers' comp claims management Safety surveys Drug testing Record keeping Unemployment insurance controls Employer protection policies & services Post-accident and reasonable suspicion procedures Submission Requirements: ACORD 130 3 years loss runs (fully valued) Copy of X-Mod (NYCIRB copy for New York risks) Industry-specific supplemental applications for towing, trucking, landscaping, etc. Territories & Availability: Novatae Risk Group places this program across multiple states. Availability depends on state rules and underwriting; please reference the program's current territory list when submitting. States we currently serve include: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV and DC. Why Place High-Risk Workers' Comp with Novatae Risk Group? Specialized underwriting for high-risk classes and elevated X-Mods that many admitted markets decline. Access to an admitted, A-rated carrier while maintaining the insured's X-Mod. Flexible billing (pay-as-you-go) and competitive start-up costs to help clients manage cash flow. Integrated payroll, reporting, and risk-control services that reduce administrative burden for agents and clients. Example fits: You might have a regional bakery with a 1.8 X-Mod and recurring shoulder/back claims, or a third-party logistics firm with heavy driver and warehouse exposure that needs an admitted solution outside the residual market. Both can be good candidates for this program when minimum premium thresholds are met. Frequently Asked Questions What types of accounts are a good fit for this program?Strong candidates are employers with high-risk class codes (trucking, cold storage, food processing, janitorial, warehouse, etc.) and elevated X-Mods—typically 1.30 and above—but the program will consider X-Mods from 1.0 up to 3.0. Which accounts are likely to be declined?This program excludes construction, temporary staffing, USL&H exposure, hazardous materials handlers, seasonal operations, accounts with more than 25% part-time labor, and armed guard operations. What are the minimum premium requirements?Minimum premiums generally start at $75,000, with a higher minimum (typically $100,000) for trucking exposures. Final minimums can vary by state and underwriting assessment. What makes Novatae Risk Group different from other markets for high X-Mod business?Novatae Risk Group combines specialized underwriting for hard-to-place risks with access to an admitted A-rated carrier, payroll administration, and risk management services—helping agents place accounts that might otherwise be forced into residual markets. Need help placing an account? Connect with a market specialist.

...ion. Can shops with lift kits or modified suspensions be covered?Yes, accounts...

...ion. Can shops with lift kits or modified suspensions be covered?Yes, accounts...

...sures may be declined or require modified terms. How do I submit a submission ...

Two Umbrella Liability Programs Designed Exclusively for Community Associations With over 42,000 community associations served, Ian H. Graham (IHG), through Affinity Specialty Program Network (ASPN), is a market leader in tailored insurance solutions for this niche. The Ian H. Graham Insurance Umbrella Liability Insurance Program offers two distinct options designed to protect residential community associations from catastrophic liability exposures: the Commercial Umbrella and the Low Limit Umbrella. Commercial Umbrella Program Highlights Underwritten by Fireman's Fund, the Commercial Umbrella program provides up to $15 million in excess liability limits for community associations. Unlike most carriers that combine excess and umbrella aggregates, this program offers separate aggregate limits over each scheduled primary policy, including: Premises Liability Products/Completed Operations Liability Liquor Liability Employer’s Liability When paired with an IHG Community Association Directors' & Officers' (D&O) Liability policy, clients receive a 10% premium credit on the umbrella coverage. Key Features: Excess limits up to $15 million Separate aggregate limits by underlying policy Broad Named Insured and Personal Injury coverage Advertising Injury and Automatic Waiver of Subrogation Dedicated umbrella/excess claims specialists Automatic coverage for newly formed or acquired entities Follow-form aggregates per location, policy, and coverage Low Limit Umbrella Program for Smaller Associations This competitively priced option provides up to $2 million in excess liability for smaller residential homeowner and townhome associations. It is ideal for associations that meet the following criteria: Maximum of 300 units No more than three stories high Maximum of two swimming pools Ineligible Risks Include: Associations with owned auto policies (hired & non-owned autos) Employer’s liability coverage Commercial risks Condo/co-op associations Claim History Requirements: No claims over $25,000 in the past 12 months No more than three claims in the past 12 months No severe losses involving death, paralysis, or extensive bodily injury Ideal Accounts and Appetite This program is specifically designed for residential community associations, including HOAs and townhome associations. Whether you're working with a large master-planned community or a smaller residential development, IHG offers options to match the scale and risk profile of your client’s operations. Example accounts might include: A gated townhome community with 280 units, two pools, and no significant claims history A mid-sized HOA with D&O coverage in place looking to expand its liability protection Available States and Admitted Status This program is available on an admitted basis in all 50 states and the District of Columbia, offering broad accessibility and compliance advantages for agents nationwide. Why Work With ASPN and Ian H. Graham Affinity Specialty Program Network and Ian H. Graham bring over five decades of underwriting expertise to the community association market. With dedicated claims teams, flexible underwriting, and access to top-rated carriers like Fireman's Fund, ASPN delivers both protection and peace of mind to your insureds—and confidence to you as their broker. All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy. Insurance license information Frequently Asked Questions What types of accounts are a good fit for this umbrella liability program?The program is designed for residential community associations, including HOAs and townhome associations. The Commercial Umbrella fits larger associations, while the Low Limit Umbrella suits smaller associations with fewer than 300 units and up to two swimming pools. Are there any restrictions on eligibility?Yes. The Low Limit Umbrella does not cover associations with owned auto policies, employer’s liability, commercial exposures, or condo/co-op associations. There are also strict claim history requirements. What are the benefits of placing both D&O and Umbrella coverage with IHG?When you place the Commercial Umbrella over an IHG Community Association D&O policy, your client receives a 10% premium credit on the umbrella policy, creating a cost-effective coverage package. Which states is the program available in?The Ian H. Graham Umbrella Liability Insurance Program is available in all 50 states and the District of Columbia on an admitted basis. What carrier underwrites this umbrella program?The program is underwritten by Fireman’s Fund, a top-rated insurance carrier known for financial strength and specialized products. Need help placing an account? Connect with a market specialist.

... Single-Shot Modified Blanket – This is unique to ISG. Pre...rs risk construction insurance for homeowners Residential construction insuran...

...ity associations, including: Homeowners Associations (HOAs) Condominium A...