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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.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Parking Lot/Driveway Insurance program to help agents place difficult-to-insure accounts across the western U.S. The program can provide Property and Liability coverage on a monoline or package basis and is designed for businesses that perform parking lot, driveway, and sidewalk services. It is ideal for contractors engaged in cleaning, sweeping, paving, seal coating, striping, snow removal (incidental), and pressure or water cleaning—operations with routine exposure to high-traffic areas and surface-maintenance risks. Ideal Accounts and Appetite This program is best suited for small to mid-sized contractors and maintenance companies specializing in: Parking lot and driveway cleaning or sweeping Paving and repaving services Seal coating and line striping Incidental snow removal (not heavy or prolonged snow operations) Pressure washing or water cleaning of sidewalks and lots Underwriters prefer accounts with documented safety practices and stable loss histories. Operations that perform structural work, have frequent prior claims, or conduct heavy snow-removal on a regular basis often fall outside the program’s appetite. Coverage Highlights and Advantages Property Coverage Includes: Basic, Broad, or Special Form options Building, Contents, and Business Income Contractor’s Equipment and Inland Marine Computer Equipment and Equipment Breakdown Accounts Receivable and Valuable Papers Outside Signs Replacement Cost or Actual Cash Value valuations Commercial General Liability Features: Primary limits up to $3,000,000 occurrence/aggregate Medical Payments – $5,000 included Umbrella/Excess available up to $25,000,000 (subject to underwriting) Additional Insured endorsements available for $100 each Minimum deductible of $500 Crime Coverage Options: Inside premises — theft of money and securities Inside premises — robbery or safe burglary of property Outside premises coverage Underwriting Notes and Minimum Premiums Colonial General works with a mix of admitted and non-admitted carriers depending on state and account specifics. A $500 deductible is standard; final pricing will depend on the scope of operations, payroll, revenue, equipment values, and loss history. Clean, well-documented submissions with clear safety programs and loss-control measures receive the best consideration. Territories and Availability This program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General leverages regional underwriting relationships across the western U.S. to place accounts in both admitted and excess & surplus markets where appropriate. Why Work With Colonial General As a Managing General Agency and Excess & Surplus Lines broker, Colonial General provides agents streamlined access to competitive markets and underwriting expertise for niche contracting risks. Their Parking Lot/Driveway Insurance program pairs flexible coverage options with regional market knowledge—helpful whether you’re placing a new paving startup or an established lot-maintenance contractor. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for contractors involved in parking lot or driveway cleaning, sweeping, paving, seal coating, striping, and incidental snow removal or pressure washing. Are both property and liability coverages available?Yes, Colonial General offers both Property and Commercial General Liability coverage on a monoline or package basis, depending on the needs of the insured. What states is this program available in?The program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Can I get Excess or Umbrella limits through this program?Yes, Excess or Umbrella limits are available up to $25,000,000 subject to underwriting approval. Does the program include coverage for contractor's equipment?Yes, Contractor’s Equipment coverage is available under the Property section of the policy. Need help placing an account? Connect with a market specialist.

For over three decades, CoverXSpecialty has been a trusted resource for construction insurance solutions. Our dedicated team of experienced underwriters specializes in placing construction-related risks across a broad spectrum of operations. Whether your client is a small sole proprietor, a subcontractor, or a large commercial general contractor, we provide tailored coverage options to fit a wide range of project scopes and business sizes. Ideal Accounts and Appetite CoverXSpecialty is equipped to handle a wide variety of construction classes. We have a strong appetite for both residential and commercial operations, including new construction, remodeling, and repair work. Eligible operations include: Trade contractors – including but not limited to roofing, framing, siding, drywall, electrical, plumbing/HVAC, concrete, carpentry, paving, and EIFS Commercial trade contractors – such as steel erectors, elevator contractors, painting, street and road work, build-out contractors, and more Service contractors – including elevator and boiler servicing Commercial general contractors – both practice and project-specific policies (up to 36-month terms) Coverage Highlights and Advantages We offer flexible, comprehensive coverage options to help protect your clients from the unique risks faced in the construction industry. Key features include: Primary limits of 1/2/2 and umbrella limits up to $10M Primary non-contributory wording available Blanket Additional Insured (AI) endorsement Blanket Waiver of Subrogation Per-project aggregate limits Flexible Self-Insured Retention (SIR) or deductible options No minimum premium requirements OCP (Owners and Contractors Protective) and Owner’s Interest policies Coverage available for EIFS (Exterior Insulation and Finish Systems) Extended completed operations for up to 10 years Underwriting Approach Our team takes a hands-on approach to underwriting, working closely with agents to place both standard and hard-to-place risks. We understand the nuances of the construction industry and aim to provide fast, responsive service with flexible coverage structures to meet your client's needs. Territories and Availability CoverXSpecialty's Construction Insurance program is available in most states across the U.S., including 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, and WY. Why Work With CoverXSpecialty? As a general agency with access to both admitted and non-admitted markets, CoverXSpecialty delivers experienced underwriting, personalized service, and deep knowledge of construction exposures. We work with retail agents and brokers nationwide to help them place accounts efficiently and confidently. Whether your client is a roofing contractor expanding into commercial work or a GC managing a large development, we’re here to help you find the right solution. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for trade contractors, commercial general contractors, and service contractors involved in residential or commercial construction, remodeling, or repair work. Does CoverXSpecialty offer project-specific policies?Yes, project-specific policies are available with terms up to 36 months and include extended completed operations coverage for up to 10 years. Are there minimum premium requirements?No, there are no minimum premium requirements, making this program accessible to both small and large contractors. Is coverage available nationwide?The program is available in most U.S. states, including both coastal and inland markets. Please refer to the state list for availability. Can I get coverage for EIFS-related exposures?Yes, coverage for EIFS (Exterior Insulation and Finish Systems) is available under this program. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers targeted coverage solutions for water truck operations through its Water Truck Insurance program. This program is designed for both "for hire" and "not for hire" operations and pairs flexible liability limits with optional physical damage protection and territory choices to fit common contractor and municipal hauling exposures. Overview of the Program From Colonial General This program is underwritten and placed by Colonial General as a Managing General Agency and Excess & Surplus lines broker. It provides agents with access to multiple markets (carriers vary) and can be positioned as admitted in some states or placed non-admitted where necessary. The program focuses on water trucks used for dust control, construction compaction, landscaping, agricultural use, and municipal or utility support. Coverage Highlights For hire and not for hire operations accepted. Liability limits up to $1,000,000 Combined Single Limit (CSL). Physical damage coverage available with deductible choices typically ranging from $500 to $5,000. Radius options available up to 500 miles to accommodate regional hauling operations. Carrier availability varies by account and state — Colonial General uses multiple markets to place risk. Ideal Accounts and Appetite This program suits a range of small- to mid-sized commercial accounts that operate water trucks as their primary or supporting equipment. Typical good-fit classes include: Construction contractors providing dust control and compaction services. Aggregate and paving companies that use water trucks on- and off-site. Municipal agencies or public works departments with municipal water truck fleets. Landscape and irrigation contractors operating water-bearing trucks for dust suppression or watering jobs. Accounts with professional, experienced drivers, documented maintenance programs, and moderate annual mileage are preferred. High-risk operations (e.g., longhaul interstate tanker operations, oilfield fluid hauling, or those with significant lapse in maintenance records) may be declined or submitted to specialized markets only. Underwriting Notes and Submission Guidance When preparing submissions, include the following to improve placement chances: Current driver MVRs and company driving policy. Vehicle schedule with year, make, model, GVW, and serial numbers. Hours of operation, typical radius, and primary use of the water truck (dust control, hauling potable water, etc.). Loss history for the past 3–5 years and details on any significant claims. Details on safety, training, and maintenance programs. If you are unsure about minimum premiums or any program thresholds, note that minimum premium levels and specific terms vary by carrier — please contact Colonial General to confirm current minimums and available deductibles for the target state. Territories and Availability Available in: AZ, CA, CO, ID, NV, NM, UT, WY. Because admitted availability is limited in some states, Colonial General will place eligible accounts on admitted paper where markets permit and on E&S in other jurisdictions. Confirm admitted vs. non-admitted options on a per-submission basis. Why Work With Colonial General on Water Truck Accounts Specialized underwriting experience placing water truck and construction support fleets. Access to multiple carriers and E&S capacity to find solutions for tougher risks. Flexible liability limits and physical damage options that align with contractor needs. Responsive submission review and underwriting guidance to help you prepare a complete file. Example scenarios: You have a local paving contractor running two water trucks for dust control and compaction within a 150-mile radius. This program can provide liability up to $1,000,000 CSL and physical damage with a deductible that fits the client’s budget. A municipal public works department wants coverage for a small fleet of water trucks used seasonally. Colonial General can evaluate admitted options where available or place appropriate E&S coverage to meet the entity’s needs. Next Steps for Agents Prepare a complete submission with vehicle and driver details, loss history, and usage information. Colonial General underwriters will review for appetite and advise on admitted vs. non-admitted options and any available deductible choices. For current carrier availability and exact program terms, submit via your usual broker channel or contact Colonial General directly to discuss the account. Frequently Asked Questions What types of water truck operations are a good fit for this program?Construction contractors, paving and aggregate companies, municipal public works, and landscape contractors using water trucks for dust control, compaction, and similar local hauling tasks are typically a good fit. Longhaul tanker operations or oilfield fluid hauling are generally outside the appetite. What liability and physical damage options are available?The program offers liability limits up to $1,000,000 CSL and physical damage with deductible options usually ranging from $500 to $5,000. Exact limits and deductibles depend on the carrier selected for the account. Are admitted policies available?Some admitted markets are available depending on the state and account characteristics. Where admitted placement is not available, Colonial General can place coverage through Excess & Surplus lines markets. Confirm admitted availability on each submission. What information should I include with a submission to speed placement?Provide vehicle schedules, driver MVRs, a clear description of operations and typical radius, maintenance and safety program details, and loss history for the last 3–5 years. Complete submissions result in faster and more competitive placement. Need help placing an account? Connect with a market specialist.

Inland Marine — Contractor's Equipment (Amwins Program Underwriters) Amwins Program Underwriters, part of the Amwins Underwriting division, offers an Inland Marine program for Contractor's Equipment under the direction of industry veteran Heather Frain. This program is designed for agents and brokers who need admitted paper, flexible scheduling, and expanded ancillary coverages for construction and trades equipment. Overview of the Program The program writes coverage on 100% U.S. admitted paper for contractor's equipment, which removes E&S tax considerations and typically speeds processing for your insureds. The underwriting philosophy is “service-above-all,” emphasizing partnership and quick, pragmatic responses to submissions. Ideal Accounts and Appetite Street and road contractors Building and general contractors Sewer, water, and cable contractors Excavation, paving, and grading contractors Municipal risks and public works contractors Artisan and specialty trade contractors Logistics and warehouse operations with material-handling equipment Typical fits are contractors and trades that maintain owned or scheduled equipment, rent or lease equipment to/from others, or require specific inland marine coverages such as rigger's liability or waterborne transit. Cranes are eligible when included on a schedule with other contractor's equipment (no blanket single-crane-only accounts that would trigger boom/overload exclusions). Coverage Highlights and Advantages Admitted paper for all placements — simpler premium reporting and faster processing. Low entry point: programs accept accounts with a low minimum premium (example: $1,000). Schedule-based contractor's equipment coverage with options to add: Leased or rented FROM / TO others Waterborne coverage for specified transit risks Rigger's liability Rental cost reimbursement and continuing rental/lease payments Bailees coverage where required Underwriting flexibility for mixed-fleet schedules (light equipment, heavy equipment, and cranes on the same policy). Focused service—from quote to policy issuance—guided by a dedicated underwriting team. Underwriting Notes and Minimums Minimum premium: competitively low (the program advertises a low minimum premium of $1,000). Cranes: acceptable when part of a broader equipment schedule; confirm no boom/overload exclusion applies for the account. Submissions should include a current equipment schedule, values, loss history, and any rental/leasing arrangements. Additional coverages (rigger’s, bailees, waterborne) are available by endorsement—request specifics on a per-submission basis. Territories and Availability This program is available in the following jurisdictions: AL, AK, AZ, AR, 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 Place Contractor's Equipment with Amwins Program Underwriters Managing General Agency capability with admitted paper—good for agents who prefer admitted markets for inland marine placements. Service-focused team led by an experienced underwriter (Heather Frain) familiar with contractor operations and equipment exposures. Flexible endorsements and ancillary coverages help you tailor policies to real-world contractor exposures (rental arrangements, transit, rigger’s liability, etc.). Faster processing and clearer premium handling because policies are on U.S. admitted paper. Agent Examples You might have a municipal water contractor with a mixed fleet (excavators, backhoes, and one crane) who needs scheduled equipment coverage plus continuing rental reimbursement while equipment is repaired — this program can package those coverages on admitted paper. A regional paving contractor that rents and leases equipment to subcontractors could benefit from leased-from/to coverages and low minimum premium entry point to keep the account cost-effective. To learn more about our Inland Marine program, please visit our website. Frequently Asked Questions What types of contractor accounts are the best fit for this program?Accounts with scheduled contractor's equipment—such as excavators, loaders, backhoes, and support equipment—are ideal, especially contractors who need admitted paper and optional coverages like rigger’s liability, waterborne transit, or rental cost reimbursement. Are cranes eligible on this program?Yes. Cranes are eligible when included as part of a broader equipment schedule with other types of contractor's equipment. Underwriters will review for any boom or overload concerns—single-crane-only submissions may require additional details. What submission materials should I include to get a prompt quote?Provide a current equipment schedule with values, make/model/year, the insured’s operations description, loss history for the past 3–5 years, and details about any leased or rented equipment. Note desired endorsements (rigger’s, waterborne, rental reimbursement) up front. Is this program available nationwide?The program is available in the list of states shown on this storefront. Coverage is on admitted paper in those jurisdictions—confirm state availability for the insured’s location prior to submission. What is the program’s minimum premium and service approach?The program offers a low minimum premium (example: $1,000) and emphasizes a service-above-all approach—focused underwriting, practical endorsements, and faster processing because policies are written on U.S. admitted paper. Need help placing an account? Connect with a market specialist.

Workers Compensation Insurance is a required coverage in most states, providing benefits such as medical expenses and partial lost wages for employees who suffer work-related injuries or illnesses. However, placing coverage for certain businesses can be difficult due to high risk classifications, elevated experience mods, or prior coverage issues. Novatae Risk Group, through its partnership with Empire Underwriters and an “A”-rated carrier, offers a specialized Hard to Place Workers Compensation Insurance program designed for challenging accounts. Whether your client has a high MOD, operates in a tough industry class, or has coverage gaps, we can help you find solutions quickly and effectively. Ideal Accounts and Appetite: Accounts with MODs of 1.30 or higher High-hazard industries and tough-to-place classes Blue, gray, and white collar businesses Clients currently in state pools or residual markets Distressed, lapsed, or non-renewed accounts New ventures welcomed Multi-state exposures are a specialty You may have a client in roofing with lapsed coverage or a trucking company with prior losses—these are the types of risks we regularly underwrite. Coverage Highlights and Advantages: Fast turnaround on submissions Access to multiple “A” rated carriers Stand-alone Workers Comp policies Guaranteed cost, high deductible, and retro-rated options Consent to rate specialists Dividend plans available PEO and ASO contracts available Clients can retain control over payroll and check issuance Custom account handling for unique needs Underwriting Requirements and Minimum Premium: Completed ACORD 130 application 3–4 years of loss runs Details on any large losses Supplemental questionnaire Minimum premium starts at $10,000, and submissions are reviewed thoroughly to match your client with the right market. Territories and Availability: This program is available in most states, including but not limited to: CA, FL, TX, NY, IL, PA, and GA. We currently write in over 45 states, including DC. Sampling of Target 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 Organizations Nursing Homes Oil & Gas Paving Pipeline Retail Roofing Sawmills Services Sheet Metal Staffing Companies Tower Erection Trucking & Transportation Partner With Novatae Risk Group As a national Managing General Underwriter and E&S Broker, Novatae Risk Group offers extensive market access and underwriting expertise for difficult Workers Compensation placements. Our dedicated brokers understand the challenges of high-risk classes and distressed accounts, and we work closely with agents to deliver responsive service and creative solutions. Contact us at 800-758-8113 to discuss your Hard to Place Workers Compensation Insurance accounts today, or email us at [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for businesses with high MODs, prior losses, lapsed coverage, or operations in high-hazard industries like roofing, trucking, construction, and in-home care. Can new ventures apply for coverage under this program?Yes, new ventures are accepted and can be evaluated for coverage depending on the class of business and state regulations. What documentation is required for submission?We typically require a completed ACORD 130, 3–4 years of loss runs, details of any large losses, and a supplemental questionnaire. Is multi-state coverage available?Yes, we specialize in multi-state exposures and can provide tailored Workers Compensation solutions across state lines. What is the minimum premium for this program?The minimum premium starts at $10,000, but final pricing depends on the class of business, loss history, and underwriting considerations. Need help placing an account? Connect with a market specialist.

Looking for a reliable and responsive workers' compensation market? Gladius Insurance Services, LLC makes placing Work Comp business easier than ever. Our carrier partners are actively seeking new business and making the submission process incredibly simple—just submit an Acord 125, Acord 130, and two years of loss runs. We quote in-house for faster turnaround and offer a competitive commission structure on both new and renewal business. Pay-as-you-go options are also available, giving your clients greater flexibility. Broad Appetite With Focus on Tougher Classes Our Work Comp program is designed to place a wide variety of risks, including many that can be difficult to write elsewhere. We are especially strong in: Bus Companies Camps Day Care Centers – In-Home and Traditional Para-Transit and Parcel Delivery Pressure Washing – Ground-Level Residential Street/Road Paving Trucking – Short and Long Haul Construction-Related Classes Janitorial and Commercial Cleaning Services Carpentry, Drywall, Electrical, and Plumbing Excavation, Landscaping, and Roofing Fire/Burglar/Security Alarm Installation Tile, Stone, Marble, and Flooring Installation Flat Concrete, Masonry, and Street/Road Work Note: Residential roofing earns 5% commission, while commercial roofing offers 10% commission. Non-Construction Classes Agriculture Animal and Dairy Farms Nurseries and Garden Centers Orchards and Vineyards Auto Services and Dealers Dealerships & Part Suppliers Gas Stations (with or without convenience stores) Tire Dealers, Truck Stops, Car Washes Auto Repair & Body Shops We also entertain many other classes not listed here. Have a risk outside these categories? Reach out to us—we’re happy to review it. Territories and Carrier Access This program is available in the following states: AL, AZ, CA, CO, CT, FL, GA, IL, KS, KY, LA, MI, MN, NV, NJ, NM, NC, PA, SC, TN, UT, and VA. We work with multiple carriers and can access both admitted and non-admitted markets depending on the state and account needs. Why Work With Gladius Insurance Services, LLC? As an experienced excess and surplus lines broker, Gladius Insurance Services, LLC brings fast quoting, strong carrier relationships, and a willingness to tackle tougher classes. You’ll benefit from responsive service, in-house underwriting, and flexible commission structures designed to help you win and retain accounts. Whether you're working on a challenging transportation risk or a niche contractor account, Gladius is ready to help you place it quickly and efficiently. Frequently Asked Questions What types of accounts are a good fit for this Work Comp program?This program is ideal for transportation, construction, agriculture, and auto service risks—including classes that are often harder to place, like para-transit, trucking, and residential roofing. What documents are required to get a quote?We require Acord 125, Acord 130, and two years of loss runs to begin the quoting process. Is this program available in my state?We currently write business in AL, AZ, CA, CO, CT, FL, GA, IL, KS, KY, LA, MI, MN, NV, NJ, NM, NC, PA, SC, TN, UT, and VA. Do you offer pay-as-you-go options?Yes, pay-as-you-go billing is available and can be included with your quote for added flexibility. Can I submit accounts not listed in the target classes?Absolutely. We review many classes beyond those listed. If you’re unsure, just send it in—we’ll take a look. 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.

Novatae Risk Group offers a comprehensive solution for agents and brokers seeking solid markets for small to mid-sized contractors. Through its Contractor General Liability & Property Insurance Package – AXV, Novatae provides access to a streamlined program designed to protect your contractor clients from a wide range of property and liability exposures—while helping them save time and money. This program, backed by an A.M. Best Rated AXV carrier, enables you to quote, bind, and issue new accounts in-house on the same day. That fast turnaround allows you to respond quickly to your clients’ needs, providing efficient service and improving retention. Ideal Contractor Classes This program targets a wide range of artisan and general contractors. Some of the top classes include: Appliance Installation Carpentry Concrete & Asphalt Developer - Builder Dirt Work Drywallers Electricians Excavation Contractors General Contractors HVAC Technicians Landscapers Metal Erectors Masonry Painters Paving Contractors Pipeline Contractors Plumbers Pool Contractors Road & Bridge Contractors Roofing Contractors Septic Tank Cleaners Sewer Contractors Sheet Metal Workers Sign Erectors Whether your client runs a small HVAC company or is a general contractor managing multiple subs, this program can address their liability and property needs in one simplified package. Coverage Highlights Same-day quote, bind, and issue capability General Liability Limits: $1,000,000 / $2,000,000 (ISO Form, standalone or package) Excess Liability available up to $5,000,000 In-house Property authority up to $1.5M per location Property values up to $25M considered with quick submission and approval turnaround Property coverage includes: Building, Business Personal Property, Contractors Equipment, Business Income, and Extra Expense. Available extensions: Outdoor Signs, Lock Replacement, Fire Extinguishing System Expense, Sewer Backup, Employee Dishonesty, Money & Securities, Food Spoilage, Forgery and Alteration. Program Features Carrier rated A-XV by A.M. Best Admitted and non-admitted options available $500 minimum premium $500 minimum deductible ISO-based General Liability coverage Submission Requirements ACORD 125 and 126 for General Liability Applicable ACORD forms for Property and Equipment Three years of loss runs Program-specific supplemental application Available States 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. Why Work with Novatae Risk Group? Novatae Risk Group is a trusted wholesale broker with access to top-rated carriers and underwriting expertise across a wide range of contractor classes. Their in-house authority and ability to issue same-day quotes and policies make them an excellent partner for agents looking to place contractor business quickly and efficiently. You might have a client who’s a residential remodeler or a commercial roofer needing fast coverage for a new project. Novatae can help you deliver the right protection with speed and confidence. Call 800-758-8113 to speak with an experienced broker today. Frequently Asked Questions What types of contractor businesses are eligible for this program?This program targets a wide range of contractors, including general contractors, electricians, plumbers, HVAC techs, landscapers, roofers, and more. What are the general liability limits offered?The program offers standard CGL limits of $1 million per occurrence and $2 million aggregate, with excess limits available up to $5 million. How quickly can policies be quoted and bound?Novatae has in-house authority to quote, bind, and issue policies on the same day for qualifying accounts. What property coverages are included?Property coverage can include buildings, business personal property, contractors equipment, business income, and extra expense, with optional extensions available. Is this program available in all states?No, but it is available in most states including CA, TX, FL, GA, IL, and others. Contact Novatae for state-specific eligibility. Need help placing an account? Connect with a market specialist.