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Machine shops are dynamic, high-risk environments with complex machinery, tight deadlines, and physically demanding work. These conditions make Workers Compensation Insurance essential for protecting both employees and business owners. Novatae Risk Group offers a focused Machine Shop Workers Compensation Insurance program that helps agents place tough-to-insure and distressed accounts with speed and confidence. Whether your client is a newly established machine shop, has an elevated experience modification (MOD), or operates across state lines, Novatae can help. We partner with a broad network of "A" rated carriers and specialize in placing hard-to-place risks, including accounts that have been non-renewed, cancelled, or have lapses in coverage. Ideal Accounts and Appetite Experience MOD of 1.30 or greater High-hazard industries and difficult class codes (CNC machining, metal fabrication, tool & die) Accounts with blue-, gray-, and white-collar exposures Risks currently in state pools or assigned risk funds New ventures and startups with no prior Workers Comp Multi-state operations and regional exposures Accounts with prior cancellations, non-renewals, or coverage lapses You might have a client running a busy CNC shop with a recent loss history, or a machine shop expanding payroll and operations into multiple states—Novatae has solutions for both situations and more. Coverage Features and Program Advantages Fast turnaround on quotes and underwriting decisions Access to many "A" rated carriers across admitted and non-admitted markets Stand-alone Workers Compensation policies available Flexible plan structures: guaranteed cost, high deductible, dividend, and retrospective (retro) plans Custom account handling and integrated workers’ comp solutions to manage complex exposures The program is built to give you flexibility and multiple placement options for challenging machine shop accounts. Submission Requirements Completed ACORD 130 application 3–4 years of loss runs Details on any large losses or open claims Completed supplemental questionnaire (when requested) Underwriting Notes and Minimum Premiums Minimum premium starts at $10,000. Final premium and market options depend on state jurisdiction, payroll mix, class codes, and loss history. Novatae evaluates each file to identify admitted and non-admitted markets that best fit the risk profile. Program Availability Novatae’s Machine Shop Workers Compensation program is available in most states, including but not limited to CA, TX, FL, NY, IL, and PA. We have experience placing multi-state accounts and managing regional exposures across a wide territory. Why Partner With Novatae Risk Group As a Managing General Underwriter and E&S broker, Novatae Risk Group brings decades of underwriting experience and deep carrier relationships to support agents and brokers. Our underwriting team understands the manufacturing and machining sectors and provides tailored placement strategies for complex workers’ comp risks. Contact us at 800-758-8113 to speak with an experienced broker about your Machine Shop Workers Compensation accounts. Need a Workers Compensation Insurance quote for a machine shop client? Send an email to [email protected] with the submission or call 800-758-8113 to reach an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best for machine shops with elevated MODs, high-hazard class codes, multi-state operations, startups, or accounts with prior coverage issues such as cancellations or non-renewals. Can I submit new machine shop startups with no prior coverage?Yes. Novatae regularly writes startup machine shops, including those without prior Workers Comp coverage, provided the business plan and safety controls are acceptable. What documents are required to submit an account?Provide a completed ACORD 130, 3–4 years of loss runs, details on any large or open claims, and the supplemental questionnaire when requested. Are multi-state exposures eligible for this program?Yes. Novatae has experience placing multi-state Workers Compensation risks and can coordinate admitted and non-admitted options across jurisdictions. What is the minimum premium for this program?The minimum premium typically starts at $10,000, though final terms depend on the state, payroll, class codes, and loss history. Need help placing an account? Connect with a market specialist.

...a 25-employee client running CNC machines and stamping presses across multiple...

Overview — Workers Compensation Insurance for Maid Services Novatae Risk Group offers a dedicated workers compensation program tailored for maid and cleaning services — including house cleaning, laundry, carpet cleaning, and similar operations. Cleaning businesses face frequent employee exposures and occasional third-party property damage; appropriate workers comp coverages help control the financial impact of workplace injuries and keep clients' operations stable. This program combines underwriting flexibility with access to admitted and non-admitted markets to place hard-to-bind accounts. Novatae Risk Group leverages deep experience placing workers compensation for the maid industry. We support agents with quick turnarounds, multiple carrier options (varies by state), and tailored account handling for complex or multi-state exposures. Submit your Workers Compensation Insurance for Maid Services submissions and let us demonstrate solutions for tough classes, high hazard accounts, and new ventures. Appetite: MOD 1.30 or greater High-hazard or difficult classes Blue-, gray- and white-collar accounts Accounts currently in state pools or funds Distressed, lapsed, cancelled, or non-renewed accounts New ventures are acceptable Multi-state exposure is a specialty Hard-to-place workers compensation risks Program Features: Quick turnaround on submissions Access to many "A"-rated carriers (varies by state) Stand-alone workers compensation placement Guaranteed-cost options and integrated work comp solutions Dividend and retrospective (retro) plans High-deductible programs and alternative funding Custom account handling and claims coordination Requirements: ACORD 130 3–4 years of loss runs Details on any large claims or subrogation issues Completed supplemental questionnaire (when requested) Underwriting Notes and Minimum Premiums Underwriting focuses on exposure management: payroll mix by class code, employee training, safety programs, and loss trends. Large or recent losses should be explained in detail and any corrective actions documented. The program typically requires a minimum premium; the current program minimum is $10,000, though final placement depends on carrier appetite and state rules. Territories and Market Positioning Availability: All Available Markets. We place business across many admitted and non-admitted markets; carriers vary by state. The program 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, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, WI. For multi-state exposures we can coordinate quotes and binding across territories. Why Work With Novatae Risk Group As a Managing General Underwriter and Excess & Surplus Lines broker, Novatae Risk Group offers specialized underwriting for cleaning and maid operations, with flexibility to place complex or non-standard accounts. Our strengths include responsive underwriting, broad carrier access, and experience structuring high-deductible, dividend, and retro arrangements for cost containment. We work with agents to package underwriting submissions so accounts get reviewed efficiently and accurately. Example fits: You might have a large residential cleaning business with multi-state crews and a MOD over 1.30 — this program can help you find admitted or E&S capacity. Or an account that was recently non-renewed due to a poor loss history may qualify for specialty markets and alternative funding options. Ready to submit? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter about placement through Novatae Risk Group. Frequently Asked Questions What types of maid and cleaning accounts fit this program?We target house cleaning, laundry, carpet cleaning, and similar janitorial operations — including single-state and multi-state crews, accounts with elevated MODs, accounts in state funds, distressed or lapsed risks, and new ventures. What submission materials should I include to get a quick review?Provide ACORD 130, 3–4 years of loss runs, details on any large losses, and the supplemental questionnaire when requested. Clear payroll by class code and any written safety or training programs speed underwriting. Is this program admitted or non-admitted?Novatae Risk Group places business through admitted and non-admitted markets. Availability depends on state and carrier — carriers vary by state. We can discuss admitted options where required and E&S solutions when accounts are hard to place. What is the minimum premium and how are alternative funding options handled?The program generally requires a minimum premium of $10,000. We also place dividend plans, retro plans, and high-deductible programs depending on carrier appetite and the account’s size and loss history. How do I submit a risk for consideration?Email submission materials to [email protected] or call 800-758-8113 to speak with an underwriter. Provide complete loss runs and any supporting risk control documentation to accelerate review. Need help placing an account? Connect with a market specialist.

...al houses or multi-million-dollar office buildings, this program provides prop...ilities Commercial construction (office, mercantile, retail) Hospitali...

...n single-family homes, commercial office build-outs, retail tenant improvement...ractor doing tenant improvements and office build-outs who needs per-project a...

Policy Highlights: Colonial General Insurance Agency, Inc. offers Accountants Professional Liability Insurance tailored to meet the needs of accounting professionals and firms of all sizes. Overview of the Program From Colonial General Colonial General is a trusted Managing General Agency and Excess & Surplus Lines Broker with access to a variety of carriers, providing flexible solutions for accountants' professional liability exposures. This program is designed to help independent agents place coverage for accounting firms facing risks related to errors, omissions, or negligence in the performance of professional services. Whether your client is a sole practitioner or a mid-sized accounting firm, Colonial General can help you find the right fit. Ideal Accounts and Appetite This program is suited for a broad range of accounting professionals, including: Certified Public Accountants (CPAs) Bookkeepers and tax preparers Small to mid-sized accounting firms Firms providing audit, consulting, or advisory services Accounts with a clean loss history and a focus on traditional accounting services are typically a strong fit. Higher-risk exposures such as forensic accounting or investment advisory services may require additional underwriting. Coverage Highlights and Advantages Colonial General’s Accountants Professional Insurance program provides protection against claims alleging negligence, errors, or omissions in the delivery of professional accounting services. Key features include: Limits available starting at $100,000/$300,000 Various deductible options to suit different risk appetites First Dollar Defense available depending on carrier approval Claims Expense Outside the Limits may be offered based on carrier discretion Coverage terms and premiums will vary depending on the carrier and specific risk profile of the insured. Underwriting Notes and Minimum Premiums Each submission is underwritten based on the size, scope, and services of the accounting firm. Clean operations with clearly defined service offerings and low claims frequency are typically easier to place. While minimum premiums are not specified, competitive pricing is available for qualifying risks through Colonial General’s carrier network. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General has access to both admitted and non-admitted markets, depending on the specific risk and jurisdiction. Why Work With Colonial General With deep expertise in professional liability and access to a variety of national and regional carriers, Colonial General provides agents with responsive service and flexible options for placing hard-to-place or niche accounting risks. Their team understands the unique exposures faced by today’s accounting professionals and works closely with agents to deliver tailored coverage solutions. Learn more about Colonial General Insurance Agency, Inc. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for CPAs, bookkeeping firms, tax preparers, and small to mid-sized accounting firms providing traditional accounting services. Are First Dollar Defense and Claims Expense Outside the Limits included?These features may be available depending on the carrier and underwriting review. Availability is determined on a case-by-case basis. Can this program cover firms with prior claims?Firms with prior claims may still be eligible, but underwriting will evaluate the severity, frequency, and nature of past claims before making a decision. In which states is this program available?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What documentation is needed to submit an account?Typically, an application, firm brochure or website, and loss runs (if applicable) are required. Additional documents may be requested based on the submission. Need help placing an account? Connect with a market specialist.