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Empire has programs and solutions for your Crane Operator Workers Compensation Insurance needs! Novatae Risk Group, through Empire Underwriters, offers a specialized Workers Compensation program designed to meet the unique needs of crane operators and related high-hazard industries. Whether your client is a start-up venture or a distressed account with prior losses or policy lapses, this program delivers tailored solutions with access to multiple “A” rated carriers and competitive underwriting strategies. Ideal Accounts and Appetite: Experience MOD of 1.30 or higher High-hazard or tough-to-place classes, including crane operation and heavy equipment handling Blue, gray, and white collar accounts Accounts currently in state pools or assigned risk funds Distressed accounts, including lapsed or non-renewed policies New ventures welcome Multi-state operations—our specialty Hard-to-place Workers Compensation risks You might have a client who recently launched a crane rental business in multiple states or one with a lapse in coverage due to a large prior loss. This program is designed to help you place those difficult risks with a fast turnaround and flexible underwriting criteria. Coverage Highlights and Advantages: Quick turnaround on submissions Access to many “A” rated carriers Stand-alone Workers Compensation policies Guaranteed cost, dividend, retro, and high deductible plans available Integrated Workers Compensation solutions to streamline account handling Customized service for each account Underwriting Requirements: Completed ACORD 130 application 3–4 years of loss runs Details explaining any large losses Supplemental questionnaire specific to crane operator operations Minimum Premium and Market Access: Minimum premiums start at $10,000. Market availability and carrier options vary by state, with access to both admitted and non-admitted markets depending on the risk profile and location. Available States: This program is available in most states, including but not limited to CA, FL, TX, NY, and IL. Multi-state exposures are welcome and handled with specialized expertise. Why Work With Novatae Risk Group? Novatae Risk Group is a trusted Managing General Underwriter and Excess & Surplus Lines Broker with deep experience in high-hazard Workers Compensation risks. Through Empire Underwriters, we provide unmatched flexibility, fast service, and access to a broad range of carriers. Whether you're dealing with tough classes, new ventures, or distressed accounts, we help you place the business efficiently and competitively. Do you need a Workers Compensation Insurance Quote for your Crane Operator client? 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 Crane Operator Workers Compensation program?This program is ideal for high-hazard crane operation businesses, including those with high MODs, multi-state operations, prior losses, or lapses in coverage. Can I submit new ventures or start-up crane companies?Yes, new ventures are welcome. The program is designed to accommodate businesses that are just getting started or entering new states. What is the minimum premium for this program?The minimum premium for eligible accounts is $10,000, though pricing varies based on risk profile and state. Which documents are required to get a quote?Submit a completed ACORD 130, 3–4 years of loss runs, details on any large losses, and a supplemental questionnaire. Is this program available in all states?The program is available in most U.S. states. Multi-state risks are a specialty, and underwriting solutions are tailored by jurisdiction. Need help placing an account? Connect with a market specialist.

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