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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.

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Workers' Compensation Insurance — Superior Access Insurance Services, Inc. Superior Access Insurance Services, Inc. offers a wholesale Workers' Compensation program designed for independent agents and brokers seeking flexible placement options for employer exposures. This program provides statutory workers' compensation coverage for bodily injury by accident and occupational disease arising out of employment. As a wholesale broker, Superior Access leverages multiple carrier relationships to place admitted and non-admitted paper across most states, with tailored solutions for many small-to-mid sized businesses. Ideal Accounts and Appetite Small and mid-sized contractors and trade contractors Machine shops, light manufacturing and fabrication Retail stores and specialty shops Automotive services and repair facilities Wholesale distributors and warehousing (selected classes) Restaurants and food service locations Technology firms and professional/service businesses with low manual labor exposure Many other low-to-moderate hazard classes Accounts with reasonable payroll levels, structured payroll reporting, and acceptable loss runs are the best fit. Highly volatile classes, very large payrolls, or accounts with severe or recent loss histories may require special handling or alternate markets. Coverage Highlights and Advantages Statutory workers’ compensation and employers’ liability limits available through admitted or non-admitted markets depending on state and risk. Program supports a broad range of classes frequently written by retail agents — contractors, retail, hospitality, automotive, manufacturing and more. Wholesale distribution model gives agents access to multiple carrier appetite options from a single point of contact. Flexible underwriting that considers payroll, class mix and loss control activities rather than rigid class exclusions. Underwriting Notes and Minimum Premiums Underwriting focuses on class mix, payroll accuracy, employee exposure, and loss history. Required submission items commonly include a current payroll split, five years of loss runs (when available), and description of operations. Minimum premium varies by carrier and state — please reference “Minimum Premium: Varies” when preparing submissions. Superior Access can advise on which carriers and minimums are applicable once basic information is provided. Territories and Availability Admitted status: Most Available States. This program is available in the following jurisdictions: 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. Availability and admission status will vary by carrier and class — contact Superior Access for current state-by-state capacity. Why Work With Superior Access on Workers' Compensation Wholesale broker specializing in workers’ compensation placements for retail agents and brokers. Access to multiple carriers and placement options without needing numerous separate submissions. Responsive underwriting intake and underwriting guidance to help you present accounts in the most favorable light. Practical approach to common small business classes and transitional risks (e.g., seasonal payroll, part-time staff). Example Accounts That Fit This Program A three-location casual dining restaurant with 30–60 employees and straightforward payroll reporting seeking admitted paper in its home state. An independent machine shop with 12 employees, moderate payroll, and a two-year loss history that wants competitive terms and loss control support. Contact us for more information on our Workers' Compensation program! Frequently Asked Questions What types of accounts are a good fit for this Workers' Compensation program?Small to mid-sized businesses in contractor trades, retail, restaurants, automotive services, light manufacturing, wholesale, and technology/service firms with low manual labor exposure are ideal. Superior Access evaluates payroll, class mix and loss history to determine fit. What do I need to submit for an initial quote?Provide a current payroll breakdown by class, a description of operations, and up to five years of loss runs if available. Additional documents may be requested depending on carrier appetite. Is this program available nationwide?The program is available in most states (see Territories and Availability above). Admitted versus non-admitted placement depends on the state and carrier capacity; Superior Access can confirm availability for a specific state and class. What are the minimum premiums and binding requirements?Minimum premiums vary by carrier and state. Because carriers differ, Superior Access will identify applicable minimums and any audit or reporting requirements once a submission is reviewed. Need help placing an account? Connect with a market specialist.

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