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Workers Compensation Insurance for paving contractors is often costly because the work is high-risk. Crews face hazards such as burns from hot asphalt, chemical and fume exposure, respiratory irritation from smoke, and physical injuries like back strains, sprains, or hernias from lifting and equipment operation. Even well-managed paving businesses can have severe or frequent claims, so placing the right workers’ comp program is essential to protect your clients and control long-term costs. Novatae Risk Group, in partnership with Empire Underwriters, leverages more than 30 years of experience helping agents and brokers place tailored Workers Compensation solutions for paving contractors. We combine underwriting expertise for high-hazard classes with access to multiple carrier options so you can find terms for accounts that are difficult to place in standard markets. Ideal Accounts and Appetite: Experience MOD of 1.30 or higher High-hazard or difficult class codes (paving, asphalt, surface prep) Blue-, gray-, and white-collar workforces Accounts currently in state pools or assigned risk funds Distressed, lapsed, or canceled policies New ventures with no prior coverage Multi-state operations and accounts with out-of-state exposures Hard-to-place workers compensation risks requiring specialty markets This program is built for accounts other carriers may decline or price aggressively — including contractors with prior claims, complex payroll mixes, or multi-jurisdictional exposures. If you have an insured that has been assigned to a state fund, is new to the trade, or has an elevated MOD, this program is designed to provide practical placement options. Coverage Highlights and Advantages: Fast turnaround on submissions to keep placement timelines tight Access to many "A" rated carriers and surplus markets (varies by state) Stand-alone workers compensation policies and integrated work comp solutions Guaranteed cost programs as well as dividend and retrospective (retro) plans High-deductible and large-loss financing options Custom account handling and flexible underwriting for qualified risks Underwriting Requirements and Minimum Premium: Completed ACORD 130 application 3–4 years of loss runs Detailed explanations and documentation for any large or recurring losses Completed supplemental questionnaire when requested Minimum premium starts at $10,000. Underwriting flexibility is available for certain qualified accounts; submit complete information to get the most favorable consideration. Territories and Availability: This program is available in most states. Representative availability includes 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. Multi-state exposures are handled regularly — provide jurisdictional payroll details with submissions. Why Work With Novatae Risk Group: As a Managing General Underwriter and Excess & Surplus Lines broker, Novatae Risk Group offers deep market access and specialty underwriting for challenging workers compensation placements. Our relationship with Empire Underwriters gives you direct pathways to a variety of admitted and non-admitted carriers. We focus on practical placement, responsive underwriting, and account-level flexibility that helps you keep business with your clients. Need a Workers Compensation Insurance quote for a paving contractor client? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Example accounts that typically fit this program: A regional paving contractor with a MOD of 1.45, multi-state payroll, and several prior medical-only claims seeking alternatives to the assigned risk pool. A start-up asphalt surfacing business with limited loss history and mixed class codes needing stand-alone workers comp coverage and flexible payroll handling. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?Paving contractors with elevated MODs, hard-to-place class codes, prior losses, multi-state operations, or those currently in assigned risk pools. New ventures are also considered when documentation is provided. Can I submit accounts with lapsed or canceled coverage?Yes. Distressed accounts, including those with lapsed or canceled policies, are within the program’s appetite when underwriting requirements are met and loss explanations are provided. What documents are required to get a quote?Provide a completed ACORD 130, 3–4 years of loss runs, details and reserves for any large losses, and a completed supplemental questionnaire if requested by underwriting. Is this program available in all states?The program is available in most states, including major paving markets such as CA, TX, FL, NY, and IL. We routinely handle multi-state exposures; list all jurisdictions on the submission. What is the minimum premium for eligible accounts?The minimum premium requirement is $10,000. Final pricing depends on payroll, loss history, class mix, and underwriting evaluation. Need help placing an account? Connect with a market specialist.

Street and road contractors face distinct liability exposures from hot materials, heavy equipment, traffic control and work performed near the public right-of-way. Novatae Risk Group, working with an “A” rated carrier panel, offers a specialized General Liability Insurance program built for small to medium-sized street and road contractors. The program is intended for insurance agents and brokers who need dependable coverage, practical underwriting decisions, and responsive service to place accounts quickly. With more than 30 years of contractor-market experience, our team knows the exposures that arise during paving, curb-and-gutter work, sidewalk and driveway projects, and municipal road repairs. Whether your client is repaving a town’s local streets or repairing commercial parking areas, Novatae helps you deliver coverage that aligns with contract requirements and real-world jobsite risk. Program Overview This General Liability program targets small to medium street and road contractors with annual payrolls under $1 million. Underwriting prioritizes fast submissions, practical eligibility decisions, and policy wording that meets public-works and commercial contracting requirements. Target Classes and Eligible Operations Highway and public roadway construction Street and road paving contractors New construction for residential and commercial properties, including single-family homes Repair, resurfacing and remodeling of residential and commercial driveways and lots Good-fit accounts include small paving contractors handling municipal streets, firms performing curb and gutter installations for retail centers, and crews repaving neighborhood roads for local governments. Ineligible Risks New construction of condominiums, condo conversions, and townhouses (limited exceptions may apply) Projects involving structures over three stories (limited exceptions may apply) Coverage Features Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate Subsidence coverage (with limitations) Prior Projects coverage (with limitations) These features are structured to meet common contract and municipal requirements while protecting your insureds from third-party claims during and after project completion. Submission Requirements Completed ACORD applications 3 to 5 years of currently valued loss runs Program-specific supplemental application Project-specific pollution application, if applicable Minimum Premium and Market Access Minimum premium starts at $1,500. Novatae provides access to both admitted and non-admitted markets, including carriers rated as high as A-XV, which gives flexibility to find appropriate capacity and wording for many challenging accounts. Available States 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. Why Work With Novatae Risk Group? As a wholesale broker focused on contractor insurance, Novatae Risk Group pairs deep underwriting knowledge with broad market access to help you place more business. Our underwriters are experienced with municipal and commercial contracting exposures and will work with you to deliver timely quotes and policy terms that reflect jobsite realities. Call us today at 800-758-8113 to speak with one of our brokers, or email your submission to [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized street and road contractors with annual payrolls under $1 million, including those involved in paving, curb and gutter work, and municipal road repairs. Are both residential and commercial projects eligible?Yes. The program covers new construction and remodeling for residential and commercial properties, including single-family homes. Larger multi-story residential projects are generally excluded. What are some ineligible risks?We typically cannot place new construction of condominiums, condo conversions, or projects involving structures over three stories, although limited exceptions may be considered on a case-by-case basis. Is this program available in my state?The program is available in over 25 states, including CA, TX, FL, GA, and IL. Contact Novatae to confirm availability and admitted vs. non-admitted options in your state. What documents are required to submit an account?You’ll need completed ACORD applications, 3–5 years of loss runs, the program supplemental application, and a pollution/project form if the operation has potential pollution exposures. Need help placing an account? Connect with a market specialist.

M.J. Hall & Company now offers Remodeling, Repair and Service Contractors Insurance designed for agents placing multi-trade remodeling, repair and service contractors on both residential and commercial projects. We provide coverage for contractors who perform renovations and improvements to existing buildings, including kitchen and bathroom remodels, energy-efficiency retrofits, tenant improvements and other work involving multiple trade classifications and incidental subletting. Our Remodeling, Repair and Service Contractors Insurance Coverage Includes: General Liability Coverage (Primary and/or Excess) Artisan contractors Commercial contractors > All types Residential contractors and developers Custom home builders Residential remodels Commercial tenant improvements and service contractors Roofing and paving contractors Swimming pool contractors Contractor pollution liability Environmental contractors and consultants Course of Construction (Builders Risk) All types of construction projects considered Optional coverages can include: soft costs, transit, earthquake, flood Can include “completed but unsold” coverage Reporting form available for qualifying accounts Specialty application required Overview of the Program From M.J. Hall & Company M.J. Hall & Company offers a focused market for agents who need flexible solutions for multi-trade remodelers, repair contractors and specialty service providers. As an Excess & Surplus Lines broker with access to various carriers, M.J. Hall places accounts that require tailored terms, broader trade classifications and supplemental coverages not always available in admitted markets. Ideal Accounts and Appetite This program is a good fit for: General contractors performing tenant improvements and interior renovations Residential remodelers and custom home builders with multiple trades on a single project Contractors who occasionally sublet portions of work to subcontractors Specialty contractors such as roofing, paving and swimming pool builders Environmental or remediation contractors needing contractor pollution liability Typically not a fit: new speculative land development (large tract development), heavy civil projects, or accounts with significant ongoing professional design liability unless specifically underwritten. Coverage Highlights and Advantages Primary and excess general liability solutions to match account limits Course of construction (builders risk) with optional extensions for soft costs, transit, quake and flood Contractor pollution liability available for projects with environmental exposures Reporting form options for variable project exposures Ability to package multiple lines for a single contractor account where permitted Underwriting Notes and Minimum Premiums Underwriting requires a specialty application for most accounts. Appetite and terms vary by carrier; M.J. Hall leverages multiple markets to place accounts with complex trade mixes or non-standard exposures. Minimum premium: Varies by carrier and state—submit detailed risk information for an accurate indication. Territories and Availability This program is offered through M.J. Hall as an Excess & Surplus Lines solution with some admitted options in select states. Availability includes: AK, AZ, CA, HI, NV. Carriers: various carriers (market access dependent on state and account characteristics). Why Work With M.J. Hall & Company on This Business Specialized E&S placement capability for contractors with mixed-trade exposures Access to multiple carriers to fit difficult or layered risks Experienced underwriting that understands contractor operations, subletting and course-of-construction exposures Practical solutions for accounts that need pollution liability, transit, or completed but unsold coverage Example scenarios: You might have a mid-size remodeling contractor who performs kitchen, roof and deck work and occasionally subcontracts plumbers — this program can combine general liability and contractor pollution liability where needed. Or an agent with a tenant-improvement contractor who needs builders risk with soft-costs coverage while a project is underway. Our agents would be happy to discuss Remodeling, Repair and Service Contractors Insurance with you — contact M.J. Hall today to submit risks or request a quote. Frequently Asked Questions What types of contractor accounts are a good fit for this program?Accounts that perform remodeling, tenant improvements, multi-trade renovations, roofing, paving, pool construction, and environmental contracting are typical fits—especially where incidental subletting or specialized pollutant exposures exist. Do you offer admitted as well as non-admitted placements?M.J. Hall operates primarily as an Excess & Surplus Lines broker but does have access to some admitted options in select states. Availability depends on the state and the carrier appetite for the specific risk. What underwriting information is required?Most accounts require a completed specialty application, current questionnaires, and loss history. For course of construction or pollution exposures, project schedules and description of operations are usually needed. Are course-of-construction and soft cost coverages available?Yes. The program can include course-of-construction (builders risk) with optional extensions such as soft costs, transit, earthquake and flood where the carrier and state allow. Need help placing an account? Connect with a market specialist.

Contractors face a wide range of liability exposures that vary by trade, project stage, and scope of operations. Novatae Risk Group offers a flexible, affordable General Liability solution through the Contractor General Liability Insurance – Monoline AXV program. Designed for artisan and general contractors, this program helps protect your clients from third-party bodily injury, property damage, and other common contracting risks. Underwritten by an A.M. Best-rated AXV carrier, this monoline General Liability program is available for more than 200 contractor classes. Whether you’re placing business for a small drywall installer or a large excavation operation, Novatae provides underwriting expertise and fast turnaround to help you serve your clients efficiently. For more information or to discuss a specific account, contact our experienced brokers at 800-758-8113. Program Highlights: SAME DAY QUOTE, BIND AND ISSUE!! $1,000,000 / $2,000,000 CGL limits — ISO form (standalone) Excess liability available up to $5,000,000 Property values up to $25,000,000 considered — fast approval process for larger accounts Program Features: Admitted and non-admitted AXV-rated carrier options Minimum premium: $500 Minimum deductible: $500 ISO form General Liability coverage Target Contractor Classes (Not All-Inclusive): Appliance Installation Carpentry Concrete & Asphalt Developer - Builder Dirt Work Drywallers Electricians Excavation General Contractors HVAC Landscaper Metal Erectors Masonry Painters Paving Pipeline Plumbers Pool Contractors Road & Bridge Contractors Roofing Contractors Septic Tank Cleaners Sewer Contractors Sheet Metal Sign Erectors Submission Requirements: Acord 125 and 126 for General Liability Three years of loss runs required Program supplemental application Territories and Availability: This program is available in most states, including AL, AK, AZ, CA, CO, CT, FL, GA, IL, KY, LA, MN, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, WV, and WI. Admitted and non-admitted options are offered depending on state rules and the risk profile. Why Work With Novatae Risk Group? As a wholesale broker, Novatae Risk Group provides broad market access and deep experience with contractor exposures. Our underwriters focus on contractor classes and construction operations, enabling faster decisions and competitive terms. You’ll get practical underwriting feedback, responsive service, and same-day quote/bind capability on qualifying accounts. Example fits: you might have a local roofer needing a $1M/$2M CGL on an admitted basis, or a large excavation contractor requiring primary limits with excess capacity — both are typical submissions the program can consider. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for artisan and general contractors, including electricians, roofers, HVAC technicians, landscapers, and many other contractor classes — over 200 eligible classes in total. Is this program available in my state?It is available in most states listed above, with admitted or non-admitted options depending on the state. Contact Novatae to confirm availability for a specific risk. What submission documents are required?Submit Acord 125 and 126, three years of loss runs, and the program supplemental application for full consideration. Can I get a quote the same day?Yes — for qualifying submissions, Novatae offers same-day quote, bind, and issue capabilities. What is the minimum premium for this program?Minimum premium starts at $500; final premium depends on class, limits, exposures, and state regulations. Need help placing an account? Connect with a market specialist.

A growing and highly competitive sector, the construction industry continues to see increasing demand for skilled contractors and tradespeople. Whether your clients are in roofing, drywall, electrical, carpentry, or another trade, their commercial vehicles are essential to daily operations. From job site transport to supply pickups and deliveries, these vehicles face constant exposure to risk. That’s why having the right Commercial Auto insurance coverage is not just important—it’s essential. Chenango Brokers, LLC offers a robust Commercial Auto insurance program tailored to the unique needs of contractors and similar industries. As a wholesale broker with deep industry knowledge, we understand the daily risks your clients face and the importance of reliable, flexible coverage. Our program is designed to support contractors, tradespeople, and other commercial operations that rely on transportation for their business success. Target Accounts and Ideal Classes We specialize in placing coverage for a wide range of business types within the construction and service sectors. Our appetite includes, but is not limited to: • Blacktop Paving • Carpentry • Carpeting • Concrete • Contract Carriers • Distributors • Drywall • Electrical • Framing • General Contractors • Household Movers – Up to 300 mile radius • HVAC • Janitorial/Cleaning • Landscaping • Masonry • Paper Contractors • Plumbing • Sidewalk Installation • Tile/Terrazzo • Wholesalers • Trucks up to 45,000 lbs *Higher weights available—contact us to discuss your needs If you’re working with a contractor who owns a small fleet of trucks or a distributor servicing a regional territory, our program can help you secure the appropriate coverage to meet their needs. Coverage Highlights and Additional Options Our Commercial Auto coverage is structured to protect your clients against the real-world exposures they face on the road every day. In addition to core auto coverage, we offer optional lines to help round out protection for your insureds: • Bonds • General Liability • Umbrella* • Workers Compensation *Please contact our office to confirm state availability for these coverages. Underwriting Process and Contracting We’ve streamlined our sign-up process for brokers, allowing us to approve most applications the same day we receive a completed form. While we can provide quotes before a broker is fully contracted, a signed agreement is required before binding coverage. For fast turnaround, our dedicated Commercial Auto underwriter, Dawn, can provide a quote in under 37 minutes. She’ll work with you to understand your client’s operations and tailor coverage recommendations accordingly. Availability and Market Access Chenango Brokers offers access to multiple carriers, giving us the flexibility to find competitive solutions across various risk profiles. Our Commercial Auto program is available in the following states: AZ, CT, FL, IL, MD, NV, NJ, NY, OH, PA, RI, VA, WA Some coverages are written on an admitted basis depending on the state. Please contact us to confirm availability and applicable markets in your client’s location. Why Partner With Chenango Brokers As a trusted wholesale broker, Chenango Brokers brings deep expertise in the construction and contractor space. Our team understands the complexity of these risks and works closely with agents to deliver tailored solutions that keep your clients protected and their businesses moving forward. Whether you're placing a new contractor's first commercial truck or a seasoned construction firm’s fleet, we’re here to support your success with fast quotes, responsive underwriting, and a broad market reach. Frequently Asked Questions What types of accounts are a good fit for this Commercial Auto program?Ideal accounts include contractors, distributors, and service providers in construction-related trades such as plumbing, HVAC, electrical, drywall, and more. We also write accounts with trucks up to 45,000 lbs and movers within a 300-mile radius. Can I get a quote before becoming appointed with Chenango Brokers?Yes, we can generate quotes before you're fully contracted. However, we cannot bind coverage until the contract is signed and returned. What states is this program available in?This Commercial Auto program is offered in AZ, CT, FL, IL, MD, NV, NJ, NY, OH, PA, RI, VA, and WA. Availability of additional coverages may vary by state. Are additional lines of coverage available?Yes, we offer Bonds, General Liability, Workers Compensation, and Umbrella coverage. Please contact us to confirm availability in your state. How quickly can I expect a quote?In most cases, we can provide a Commercial Auto quote in under 37 minutes once we have the necessary information about your client’s operations. Need help placing an account? Connect with a market specialist.

Overview — National Environmental Coverage Corporation: Monoline Contractors Pollution Liability National Environmental Coverage Corporation (NECC) offers a Monoline Contractors Pollution Liability program designed for contractors who face environmental exposures during construction, remediation, demolition, or maintenance work. This program is intended for independent agents and brokers placing accounts that require targeted pollution liability protection on either an annual or per-project basis. Coverage is available on occurrence or claims-made forms, with options for prior acts (retroactive) coverage where underwriting approval and proof of prior continuous coverage exist. Occurrence or Claims Made Form Nose Coverage and Prior Acts Available Annual & Per Project Policies Defense Costs can be in addition to or included in the policy limits Mold coverage is available (if requested) for most types of contractors Examples of Eligible Classes: Asbestos Abatement Boiler Inspection / Installations Concrete Construction Debris Removal Demolition Dredging Drillers (Not Oil & Gas) Electrical Excavation / Grading of Land Fencing General Contracting Hazardous Materials Heating, Ventilation & AC Industrial Maintenance Insulation / Fire Proofing Landscapers Lead Abatement Liquid Waste Masonry Mechanical Construction Metal Extraction Mold Remediation Painters Paving Pile Driving Plumbing Restoration Rigging Roofing Salvage Operations Sewer & Water Main Soil Remediation Street & Road Maint. Tunneling UST / AST Utility Waste Water Welders And Many More !!!! Coverage Highlights and Advantages Flexible form options: occurrence or claims-made forms to suit the insured’s exposure and placement needs. Prior acts (retroactive) coverage available subject to underwriting and verification of prior comparable coverage. Policy period options: annual master policies or per-project (per job) limits for single-job exposures. Defense costs can be handled inside or outside the policy limit, based on program selections and underwriting. Mold coverage can be added by endorsement for most contractor classes when requested. Standard Limits, Deductibles and Minimums Standard base limits up to $1,000,000 per occurrence with a $1,000,000 policy aggregate (lower limits also available). Limits up to $5,000,000 are available on either an annual or a per-job basis. Minimum deductible: deductibles start at $2,500. Minimum premium: starting at $2,000 (excluding mold). Accounts including mold typically start at $4,000 and up. Taxes and fees are additional where applicable. Underwriting Appetite and Typical Restrictions NECC targets contractors with environmental exposures arising from construction, remediation, demolition, waste handling, and site work. Typical acceptable accounts include general contractors, specialty trade contractors (plumbing, roofing, paving), demolition and asbestos/lead abatement contractors, soil and groundwater remediation contractors, and restoration firms. Accounts with clearly documented controls, strong safety programs, and stable prior coverage histories are preferred. Underwriting may decline or restrict accounts with: ongoing or poorly documented contamination, oil & gas drilling operations, large-scale industrial chemical manufacturing, or histories of repeated pollution incidents. Mold coverage is underwritten separately and is not available for all risks. Territories and Availability This program is available through NECC in the following states: 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, WV, WI, WY. Availability, terms and capacity will vary by state and by the specific exposures of the risk. This program is non-admitted in certain situations; confirm market status with NECC underwriting for placements in regulated admitted markets. Why Place This Business with NECC Program expertise: NECC focuses on environmental liability for contractors and offers flexible forms and limits suited to construction and remediation exposures. Flexible placement: annual or per-project options let you match coverage to the insured’s operational and contractual needs. Underwriting support: NECC evaluates prior acts requests and mold extensions on a case-by-case basis and can structure defense within or outside limits. Wide class appetite: an extensive list of eligible contractor classes helps you place diverse accounts through a single program. Example Accounts That Fit This Program You have a remediation contractor performing soil excavation and groundwater treatment on multiple small to mid-size sites — consider an annual policy with prior acts if they have continuous claims-made coverage history. A general contractor bidding on a single demolition and asbestos abatement project — a per-project (per job) policy with appropriate limits and a mold endorsement (if requested) can be placed. * This is a brief outline only. Occurrence form CPL and/or CGL is not available for some exposures/risks. Mold coverage extension is not offered for all risks. Security and coverage availability will vary depending on exposure, risk factors & location. The minimum premium is the base for the smallest eligible risk. Taxes and Fees are in addition to premium. Prior Acts (retroactive) coverage requires proof of comparable continuous claims made coverage and is subject to underwriting approval. Some risks may be offered limited retroactive coverage or in some cases no retroactive coverage. Frequently Asked Questions What types of contractor accounts are a good fit for NECC’s Monoline Contractors Pollution Liability program?This program fits contractors with environmental exposures from construction, demolition, remediation, restoration, utility and site-work operations — for example, asbestos/lead abatement, excavation, soil remediation, demolition, plumbing, roofing, and general contracting. High-risk industrial manufacturing or oil & gas drilling are typically not a good fit. Does NECC offer occurrence and claims-made forms, and can prior acts be added?Yes. The program offers both occurrence and claims-made forms. Prior acts (retroactive) coverage is available on a case-by-case basis and requires proof of comparable continuous claims-made coverage and underwriting approval. Can I bind coverage on a per-job basis?Yes. NECC supports both annual policies and per-project (per-job) policies. Per-job placement is commonly used for single-site demolition, abatement or remediation contracts. What are the minimum premium and deductible expectations?Deductibles start at $2,500. The minimum premium typically starts at $2,000 excluding mold; accounts including mold generally start around $4,000 and up. Final premiums depend on exposure, limits, form, and coverage extensions. Need help placing an account? Connect with a market specialist.

Overview of the New York Workers Compensation Insurance Program Novatae Risk Group offers a robust New York Workers Compensation Insurance Program designed to support agents and brokers in placing complex, high-risk, or hard-to-place accounts. Whether your client is a startup with no prior coverage or a large company in a high-hazard industry, this program provides flexible solutions tailored to the unique challenges of the New York market and surrounding states. Ideal Accounts and Appetite This program is ideal for accounts that may not qualify for standard markets, including those with: Experience Mods of 1.30 or higher High-hazard or tough class codes Blue, gray, and white-collar operations Placement in state pools or assigned risk funds Distressed, lapsed, or non-renewed policies New ventures and startups Multi-state operations, especially those based in or including New York You might have a client such as a road construction firm with prior losses or a staffing agency with multi-state workers—both are examples of accounts that could be eligible under this program. Coverage Highlights and Program Features Fast turnaround times for quotes and submissions Access to multiple “A” rated carriers, including Hartford and Zurich Stand-alone Workers Comp policies available Guaranteed cost plans and integrated solutions Non-PEO and PEO/employee leasing options High deductible, dividend, and retroactive rating plans Consent to rate expertise Custom account handling and client check-writing options Sample Eligible Classes Agriculture Assisted Living Bridge & Road Construction Carpentry Concrete & Asphalt Dirt Work Elderly Care Facilities Excavation Farms In-Home Care Iron & Steel Line Maintenance Logging Machine Shop Maid Services Manufacturers Masonry Non-Profit Organization Nursing Homes Oil & Gas Paving Pipeline Retail Roofing Sawmills Services Sheet Metal Staffing Companies Tower Erection Trucking & Transportation Submission Requirements Completed ACORD 130 application 3–4 years of loss runs Details on any large losses Supplemental questionnaire Territories and Market Access This program is available in New York, as well as surrounding states including Connecticut, Massachusetts, New Jersey, Pennsylvania, Rhode Island, and Vermont. With access to both admitted and non-admitted markets, Novatae Risk Group can structure solutions that meet your insured’s needs while maintaining flexibility across jurisdictions. Why Work With Novatae Risk Group? As a seasoned Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group brings deep underwriting expertise and access to several top-rated carriers. Their team specializes in complex and distressed Workers Compensation risks, offering responsive service, creative structuring, and a consultative approach. Whether you’re placing a start-up roofing contractor or a multi-state manufacturing group, Novatae can help you secure the right coverage and structure. Do you need a New York Workers Compensation Insurance Quote? 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 Workers Comp program?This program is ideal for high-hazard classes, distressed accounts, businesses with high MODs, new ventures, and those placed in state funds or pools. It also supports multi-state exposures. Can I submit accounts that have been cancelled or non-renewed?Yes, Novatae specializes in helping agents place lapsed, cancelled, or non-renewed Workers Comp policies, including those with gaps in coverage. What documentation is required to submit an account?You’ll need a completed ACORD 130, 3–4 years of loss runs, details on large losses, and a supplemental questionnaire. Do you offer stand-alone Workers Compensation policies?Yes, Novatae offers stand-alone Workers Comp solutions, as well as integrated and high-deductible options to meet different client needs. In which states is this program available?This program is available in New York, Connecticut, Massachusetts, New Jersey, Pennsylvania, Rhode Island, and Vermont. Need help placing an account? Connect with a market specialist.

A Maintenance Bond provides assurance that completed construction projects will remain free from defects in workmanship or materials for a specified period after completion. These bonds are commonly required by project owners as a condition of final acceptance, ensuring that the contractor will correct any issues that arise due to substandard work or materials. Some maintenance bonds may also include guarantees of operational efficiency or performance standards. Allstar Surety, a division of Allstar Financial Group, is a national Managing General Underwriter (MGU) specializing in contract surety. We deliver a full suite of contractor bond solutions designed to meet the diverse needs of your construction clients. Agents and brokers rely on us to help place business for accounts ranging from small trades to mid-size general contractors. Ideal Accounts and Appetite Our Contract Surety Maintenance Bond program is a strong fit for licensed contractors who have recently completed public or private sector construction projects and need to provide post-completion bond guarantees. Typical accounts include general contractors, electrical and mechanical subcontractors, paving and grading contractors, and site development firms. You might have a client who just finished a municipal road resurfacing project or a new school building and needs to post a maintenance bond to meet the contractual close-out requirements. Our markets are able to support both standard and non-standard risks. Coverage Highlights and Advantages Guarantees against defective workmanship and materials Can include operational performance guarantees where required Accepted by public and private project owners Backed by A.M. Best-rated and U.S. Treasury-listed carriers Available across a wide range of construction trades Underwriting Notes and Minimum Premiums We offer flexible terms and conditions tailored to the project and contractor profile. Our underwriters are experienced in evaluating a broad range of financial and operational backgrounds. Minimum premiums vary based on the bond amount, term, and risk profile. Territories and Availability Allstar's Contract Surety Maintenance Bond program is available in KY, MD, MO, NJ, OH, PA, and WV. We place business through carriers such as Companion, American Southern, and Knightbrook. Most of our offerings are admitted in these states, providing confidence and compliance for your clients. Why Work With Allstar Surety Allstar Surety is a trusted partner to independent agents and brokers nationwide. We offer: - Access to both standard and non-standard surety markets - Competitive pricing backed by experienced underwriting - Fast turnaround on submissions and responsive service - Local offices to support your regional needs Let Allstar be your preferred partner for contract surety bond solutions. Contact one of our underwriters today to learn more about how we can help you place Maintenance Bonds efficiently and effectively. Frequently Asked Questions What types of accounts are a good fit for the Contract Surety Maintenance Bond program?Contractors who have completed public or private construction projects and are required to guarantee their work post-completion—such as general contractors, electrical, mechanical, and paving contractors—are ideal candidates. Which states is this program available in?This program is currently available in Kentucky, Maryland, Missouri, New Jersey, Ohio, Pennsylvania, and West Virginia. Are your carriers admitted?Most of our markets are admitted in the available states, and all are A.M. Best-rated and U.S. Treasury-listed for added financial strength and reliability. What is the typical turnaround time for bond issuance?We offer quick turnaround times, often within 24–48 hours depending on the complexity of the submission and underwriting requirements. Can you handle non-standard surety risks?Yes, we have access to markets that accept both standard and non-standard risks, allowing us to accommodate a wide range of contractor profiles. Need help placing an account? Connect with a market specialist.

Contractors Pollution Liability Insurance From Citadel Insurance Services Citadel Insurance Services offers a specialized Contractors Pollution Liability (CPL) insurance program designed to help agents and brokers place coverage for contractors facing environmental exposures. Many contractors are unaware that standard commercial general liability (CGL) policies often exclude or severely limit coverage for pollution-related incidents. Our CPL program bridges that gap, providing protection against a wide range of environmental liabilities that can arise during construction and remediation operations. Ideal Accounts and Appetite This program is a strong fit for a broad range of contractor types, including: General Contractors – Commercial, residential, municipal, infrastructure, highway/road, mechanical, demolition, excavation & grading Trade Contractors – HVAC, concrete, paving, carpentry, and similar specialties Specialty Contractors – Including drillers, pipeline and tank installers, and foundation contractors Environmental Contractors – Including remediation and cleanup specialists If you work with contractors involved in soil work, chemical applications, fuel storage, or utility and pipeline installation, this program is built to address their unique risks. For example, you may have a client working on a municipal sewer replacement project—our CPL solution can help protect them from exposures related to accidental releases or spills during excavation. Coverage Highlights and Advantages Protects against third-party claims arising from pollution conditions caused by the insured’s operations Covers sudden and gradual pollution events Can include coverage for transportation of hazardous materials and non-owned disposal sites Fills coverage gaps left by pollution exclusions in standard GL policies Whether your client is managing fuel tanks on-site, transporting contaminated soil, or working near sensitive areas, CPL coverage helps protect against costly claims and regulatory issues. Underwriting Notes and Minimum Premium This is a non-admitted program available through Citadel Insurance Services. We work with a strong lineup of carriers including Starr, Crum, Scottsdale, AIG, Arch, ACE, and Liberty. The minimum premium for most accounts starts at $2,500. We review each submission carefully, with attention to project types, environmental exposures, and safety practices. Territories and Availability CPL coverage is available in most states, including but not limited to CA, TX, FL, NY, IL, WA, and NJ. We currently offer this program in the following states: 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. Why Work With Citadel Insurance Services? As a wholesale broker, Citadel Insurance Services delivers access to top-tier environmental carriers and decades of experience in placing pollution liability coverage. We understand the nuances of contractor operations and have built a program that’s flexible, responsive, and tailored to your clients’ real-world risks. Our underwriting team is ready to help you place tough environmental accounts efficiently and competitively. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for general, trade, specialty, and environmental contractors—especially those involved in excavation, fuel or chemical handling, and pipeline or tank installation. Is this program available on an admitted basis?No, this is a non-admitted program. It is written through top-rated carriers that specialize in environmental risks. What is the minimum premium for this coverage?The minimum premium typically starts at $2,500, but may vary depending on the size and complexity of the account. Can this program cover transportation and disposal exposures?Yes, coverage can include transportation of hazardous materials and liability related to non-owned disposal sites, depending on the policy terms. In which states is this program available?The CPL program is available in most U.S. states, including CA, TX, FL, NY, and many others. Please refer to the full list above for current availability. Need help placing an account? Connect with a market specialist.