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Sewer, septic, and pipeline contractors face a wide array of ope...We specialize in sewer, septic, and pipeline contractors, including private, m...

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Empire Underwriters, a division of Novatae Risk Group, is a leading MGA and wholesaler specializing in hard-to-place Workers Compensation Insurance. Our Workers Compensation Insurance Coverage for Sawmills is tailored specifically for the unique hazards and operational exposures of sawmills and logging-related businesses. With deep expertise in high-risk classes, we help agents successfully place challenging accounts that may not fit standard markets. Whether your client operates a traditional sawmill, a timber processing facility, or a lumberyard with onsite cutting and handling, we understand the risks involved—like high injury potential, heavy equipment use, and physically demanding labor. Our program is structured to provide flexible, reliable coverage for these tough-to-place risks. Ideal Accounts and Appetite Experience MOD of 1.30 or higher Blue, gray, and white collar operations Accounts in state pools or assigned risk funds New ventures and start-up sawmills Businesses with prior cancellations, non-renewals, or lapses Multi-state exposures and complex operations Operations with limited or no prior coverage If you have a client with a distressed account or a high MOD due to past claims, this program offers a valuable alternative to standard market declinations. Coverage Highlights and Advantages Access to multiple A-rated carriers (varies by state) Quick quote turnaround and dedicated underwriters Stand-alone Workers Comp policies Guaranteed cost, retro, dividend, and high deductible plans Integrated Workers Comp solutions tailored to the logging industry Custom account handling for unique exposures Underwriting Requirements Completed ACORD 130 application 3–4 years of currently valued loss runs Details on any large losses Supplemental questionnaire specific to sawmill operations Minimum Premium & Market Access Minimum premium for this program starts at $10,000. We work with both admitted and non-admitted markets, depending on the state and risk profile. Carrier availability varies by jurisdiction. Territories This program is available in most states, including but not limited to: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, IN, KY, LA, MI, MO, NC, NJ, NY, OH, OR, PA, SC, TN, TX, VA, WA, WI, and many others. Multi-state operations are welcome and a specialty of ours. Why Work With Empire Underwriters and Novatae? Empire Underwriters brings decades of experience in placing high-hazard Workers Compensation business. As part of Novatae Risk Group, we offer extensive carrier relationships, underwriting expertise, and responsive service. Our team understands the underwriting nuances of sawmill operations and can help you find a market—even when others can’t. Need a Workers Compensation Insurance Quote for a Sawmill Client? Send submissions to [email protected] or call 800-758-8113 to speak directly with an underwriter. Frequently Asked Questions What types of sawmill operations are eligible for this program?We accept traditional sawmills, timber processing facilities, and lumberyards with on-site cutting and handling. New ventures and multi-state operations are also welcome. Can you help with accounts that have been non-renewed or cancelled?Yes, our program is specifically designed to help place distressed or hard-to-place Workers Comp business, including accounts with prior cancellations or lapses. What documentation is required to get a quote?We typically need a completed ACORD 130, 3–4 years of loss runs, a supplemental questionnaire, and any details about large prior losses. Is this program available in multiple states?Yes, we offer coverage in most U.S. states and specialize in accounts with multi-state exposures. What is the minimum premium for this program?The minimum premium starts at $10,000, though pricing may vary based on the size and risk profile of the account. Need help placing an account? Connect with a market specialist.

...nagement and runners to hands-on operators. This program is built to address t...defined roles (management, runners, operators), documented safety and maintena...