Search CompleteMarkets

..., and off-site auto detailing. Sandblasting using abrasive materials is also c...meet underwriting guidelines. Are sandblasting operations eligible for coverage?Yes. Sandblasting with abrasive materials is elig...

Septic tank contractors face unique liability exposures due to the nature of their work—often involving excavation, environmental risks, and specialized equipment. Novatae Risk Group offers a tailored General Liability Insurance program specifically designed to address the needs of small to mid-size septic tank contractors. Through our partnership with Empire Underwriters and a top-rated "A" carrier, we deliver a market that understands the real risks your clients face and offers meaningful protection at competitive pricing. Whether your client installs new septic systems or performs ongoing service and repairs, we provide access to coverage options that support their business operations and satisfy contractual requirements. Our streamlined submission process and experienced brokers make it easy for you to secure coverage that fits. Ideal Accounts and Appetite This program is designed for septic tank contractors with annual payrolls under $1,000,000. We have a strong appetite for: Septic tank installation (residential and light commercial) Septic system service and repair Eligible risks include new construction and remodeling projects for both residential and commercial properties, including single-family homes. We are not a market for new construction of condominiums, townhouses, or buildings over three stories—except in limited cases. Coverage Highlights and Advantages Blanket Additional Insured endorsements Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate limits Subsidence coverage (with limitations) Prior Projects coverage (with limitations) These coverage features help your septic tank contractor clients meet the requirements of general contractors, municipalities, and private property owners—while giving them peace of mind against costly liability claims. Underwriting Requirements and Minimum Premium Completed ACORD Applications 3–5 years of currently valued loss runs Supplemental Application Pollution – Project Specific Application Minimum premium starts at $1,500, depending on risk characteristics and state-specific factors. We write on both admitted and non-admitted paper, using carriers rated as high as A-XV. Available States This septic tank contractor liability 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 trusted wholesale broker, Novatae Risk Group connects agents and brokers to specialized insurance solutions. With 30+ years of experience through Empire Underwriters and access to top-tier carriers, we bring deep industry insight and responsive service to every account. Our team understands the unique risks septic tank contractors face—and how to craft coverage that meets both underwriting guidelines and your client’s operational needs. Ready to quote? Send submissions to [email protected] or call 800-758-8113 to speak with our broker team directly. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-size septic tank contractors involved in installation, repair, or maintenance, with annual payrolls under $1,000,000. What are some common ineligible risks?We typically do not write new construction for condominiums, townhouse projects, or structures over three stories, except in limited cases. Is this program available on admitted paper?Yes, we offer both admitted and non-admitted options through carriers rated as high as A-XV, depending on the state and risk profile. What states is this program available in?We offer coverage in 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. What is the minimum premium?The minimum premium for eligible accounts starts at $1,500, subject to underwriting and state-specific factors. Need help placing an account? Connect with a market specialist.

...is) Tank cleaning, sandblasting, and painting Pumper/G...

```html General Contractors Insurance Program from Pacific Coast E&S Insurance Services Getting started in the contracting world takes more than just owning a business—it takes experience, licensing, the right tools, a skilled crew, and most importantly, reliable insurance coverage. At Pacific Coast E&S Insurance Services, we help insurance agents like you find the right markets for your general contractor clients, even when others won’t take the risk. Since 1996, we’ve specialized in placing hard-to-insure contractor risks across multiple classes. Whether your client is a new venture or a seasoned builder handling large projects, our markets are designed to accommodate a wide range of contractor needs. Our strength lies in our flexibility, in-house underwriting authority, and access to multiple A-rated carriers. Ideal Accounts and Target Classes We offer coverage for nearly all types of contractors, including those performing high-risk or specialized work. Our target classes include, but are not limited to: • Residential Buildings • Framing Contractors • Roofing Contractors • Residential Developers • Oil-Related Work • Paper General Contractors • Window Washers • Waterproofers • Artisan Contractors • Subcontractors • Remodelers • General Contractors • Plumbers • LPG Contractors • Elevator Contractors • Millwrights • Demolition Contractors • Sandblasters • Bridge and Road Contractors • Welders • New Ventures • + Many More From small artisan operations to large commercial builders, we have a broad appetite. We do not impose restrictions on tract homes, project size, or percentage of subcontracted work—making this an ideal solution for many hard-to-place accounts. Coverage Highlights and Advantages Commercial general liability limits up to $1M per occurrence / $2M aggregate Deductibles as low as $500 Minimum premiums starting at $1,500 Non-admitted program with flexible underwriting Substantial in-house underwriting authority for fast turnarounds Access to multiple A-rated carriers You might have a client who’s just launched their own roofing business or a residential developer managing several subcontractors—both are great fits for our program. We are comfortable with complex and higher-risk operations that many standard markets avoid. Underwriting Details and Minimum Premiums Our minimum premium starts as low as $1,500, with deductibles beginning at $500. We can work with new ventures and established contractors alike. Our in-house underwriters can quickly assess your submission and provide competitive terms with minimal delay. Territories and Availability This program is available in California, Oregon, and Washington. We focus on West Coast contractors and understand the unique challenges and regulatory environments in each of these states. Why Work With Pacific Coast E&S Insurance Services? As a wholesale broker with over two decades of experience in contractor risks, Pacific Coast E&S Insurance Services brings deep market access and underwriting expertise to every submission. We know the complexities of the general contracting world and are committed to helping agents secure reliable, comprehensive coverage for their clients—no matter how challenging the risk. Let us help you place your next contractor account. Whether it’s a new venture welder, a high-rise window washer, or a demolition contractor, we can provide quick quotes and responsive service. Frequently Asked Questions What types of accounts are a good fit for this General Contractors program?We target a wide range of contractor classes including general contractors, roofers, remodelers, artisan trades, and even high-risk categories like demolition and oil-related work. Can new ventures qualify for coverage?Yes, we are open to new ventures. Our underwriting team evaluates each submission individually and can often provide terms even for startups. Is subcontracted work allowed under this program?Yes, there are no restrictions on the amount of work subcontracted. We are comfortable with accounts that have significant subcontractor exposure. What states is this program available in?Our General Contractors program is available in California, Oregon, and Washington. What are the minimum premiums and deductible options?Minimum premiums start at $1,500, and deductibles can be as low as $500, depending on the risk profile. Need help placing an account? Connect with a market specialist. ```

Novatae Risk Group, in partnership with Empire Underwriters, offers a specialized Non-Standard Workers’ Compensation program tailored to heavy construction contractors. Designed to place difficult-to-insure risks outside the standard market—because of high experience mods, adverse loss history, or challenging class codes—this program pairs over 30 years of market experience with dedicated brokerage support to deliver practical, customizable coverage solutions for your clients. Ideal Accounts and Appetite Contractors operating heavy equipment or performing heavy construction with class codes showing manual rates typically from $8 to $50+. Accounts with experience mods (X-Mods) generally between 1.30 and 3.0. Prospects facing non-renewals, cancellations, or insurer declinations due to claims activity or class exposure. Insureds exiting state-assigned risk pools or other “insurer of last resort” programs. Accounts with lapsed coverage, limited prior coverage, or adverse loss experience. New ventures with no prior coverage that operate in tough classes or across multiple states. Complex submissions that the standard market cannot serve because of combined underwriting challenges. This program is not intended for accounts that have standard-market offers, low loss picks, or are simply rate-shopping. Coverage Highlights and Advantages Pay-As-You-Go non-standard workers’ compensation with no premium deposit required. No premium audits—simplifies administration and improves cash flow. Meaningful cash-flow advantages for insureds and reduced administrative burden for brokers. Comprehensive loss control and risk management services to help reduce frequency and severity. Fair, responsive claims handling backed by experienced adjusters. HR support services that include unemployment claims, wage garnishments, COBRA administration, and more. Full payroll services with tax compliance (941s, W-2s, etc.) and the option for clients to cut payroll checks in-house. Flexible servicing options: ASO (Administrative Services Only) or PEO/employee leasing where appropriate. High-retention product structure—coverage remains in force until canceled. Underwriting Requirements Completed ACORD 130 form. Supplemental application specific to the class of work. Three years of loss runs. Loss history affidavit for accounts with coverage lapses or no prior coverage. Detailed explanation for individual claims exceeding $20,000. Experience Mod worksheet (Experience Mod Sheet). Territories and Availability This program is available in most states, 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, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, and WI. Carrier availability, admitted vs. surplus lines placement, and specific terms may vary by state and submission. Why Work With Novatae Risk Group Novatae Risk Group, together with Empire Underwriters, combines deep expertise in high-risk and non-standard workers’ compensation with broad carrier access. As a managing general underwriter and excess & surplus lines broker, we can place business in admitted and E&S markets as appropriate and offer tailored solutions for accounts that standard markets decline. Our underwriting team works collaboratively with agents to evaluate complex loss histories, structure competitive terms, and expedite placement. Representative submission scenarios you might bring to this program: A regional heavy-equipment contractor with a 1.8 experience mod and multiple prior claims seeking continuous coverage after a state-assigned pool offer expires. A multi-state startup in heavy civil construction with no prior workers’ comp coverage but high manual rates and planned interstate projects. Need a Non-Standard Workers’ Comp quote for a heavy construction client? Send your submission to [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best for heavy construction contractors with elevated experience mods, prior significant losses, or those leaving state-assigned risk pools. New ventures in tough class codes or multi-state operations can also qualify under the right circumstances. Is prior coverage required to qualify?No. Prior coverage is not required. Accounts with no prior coverage may be eligible if they meet other underwriting criteria such as high-risk class codes, acceptable financials, and clear explanations for any gaps. What documentation is required for submission?Typical requirements include a completed ACORD 130, the supplemental application for the class, three years of loss runs, an Experience Mod Sheet, and explanations for claims over $20,000. Additional documentation may be requested for lapses or complex claims histories. Can this program be used for multi-state operations?Yes. Multi-state operations are eligible provided the locations fall within the program’s approved territories and meet state-specific underwriting guidelines. Interstate exposure is considered during evaluation. What makes this program different from standard market workers' comp?This program is built for risks the standard market often declines. It offers pay-as-you-go billing with no deposit, no premium audits, flexible ASO or PEO options, robust HR and payroll support, and targeted loss control services designed for heavy construction exposures. Need help placing an account? Connect with a market specialist.

Property management operations present a broad range of workers' compensation challenges — multiple property types, varied employee duties, seasonal or transient staffing, and multi-jurisdiction exposures. Novatae Risk Group offers a specialized Non-Standard Workers Comp Insurance program tailored to property management risks that are difficult to place in the standard market. The program helps agents and brokers secure reliable coverage for higher-exposure or hard-to-place accounts. Backed by more than 30 years of experience and delivered in partnership with Empire Underwriters, Novatae's program provides flexible solutions to control costs, improve compliance, and simplify claims handling. It is designed to serve accounts exiting assigned-risk pools or state funds, non-renewed accounts, new ventures with operational need, and other non-standard placements where standard markets are unwilling or unable to offer terms. Ideal Accounts and Appetite Property management firms with difficult class codes and elevated experience mods (X-mods typically 1.30–3.00) Accounts leaving state funds, assigned-risk, or an insurer of last resort Non-renewed or canceled accounts with prior loss activity New ventures or startups with no prior coverage but valid payroll and operational plans Accounts with coverage lapses that can provide a loss affidavit and supporting documentation Example fits: you might have a client who manages multiple apartment communities with on-site maintenance and security staff and a recent claims history, or a property manager of retail centers that experienced prior coverage gaps and increasing payroll exposure. Coverage Highlights and Advantages Pay-As-You-Go workers' comp — no premium deposit required No premium audits, reducing administrative burden for clients and brokers Improved cash flow through flexible premium and payroll options Dedicated loss control and risk management support tailored to property operations Claims handled proactively with an emphasis on containment and fair outcomes HR support services including unemployment claims, garnishments, COBRA administration, and related services Full payroll services with tax remittance, 941s, W-2s, and payroll compliance support In-house check cutting and other payroll fulfillment options ASO (Administrative Services Only) and PEO (employee leasing) structures available where appropriate High-retention policy design — coverage remains active until canceled per policy terms Underwriting Notes and Minimum Premiums Required submission items: ACORD 130, applicable class supplemental form, three years of loss runs, a loss affidavit for lapsed or no-prior accounts, explanation for any claims over $20,000, and current experience mod sheets Minimum premiums vary by state and by risk class; underwriters will advise at review Only accounts that meet one or more eligibility criteria will be considered; this is not a market for accounts that have competitive standard-market offers Not suitable: low X-mods or accounts simply shopping for lower rates when standard coverage is available Territories and Availability The Non-Standard Workers Comp for Property Management program is available in most states, 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, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, and WI. Carrier access and specific appetite vary by state — carriers vary per state and placement is subject to local market availability. Why Work With Novatae Risk Group? Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines broker focused on challenging workers' compensation placements. Our underwriters understand the operational nuances of property management and work with Empire Underwriters to provide non-standard solutions, streamlined underwriting, and a suite of value-added services that make placement and administration easier for you and your clients. Need a quote? Email [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of accounts are a good fit for this program?This program targets property management companies with difficult class codes, elevated experience mods, prior claims issues, or those exiting assigned-risk pools or state funds. Can I submit an account that has had a lapse in coverage?Yes. Accounts with a lapse can be considered if they meet underwriting criteria and include a completed loss affidavit plus supporting documentation. Is prior coverage required for eligibility?No. New ventures or accounts with no prior coverage may be eligible, particularly when they fall into tough classes or have multi-state exposures. Are premium audits required?No. One advantage of this program is the absence of premium audits, which reduces administrative work and helps clients manage cash flow. Which states is this program available in?The program is offered in most U.S. states (see Territories and Availability above). Market access and carrier appetite vary by state and by class. Need help placing an account? Connect with a market specialist.

Empire Underwriters, in partnership with an “A” rated carrier, offers a specialized Non-Standard Workers’ Compensation program for swimming pool and spa contractors that is distributed through Novatae Risk Group. This program is built for accounts that sit outside the appetite of the standard market — giving agents a practical market for hard-to-place clients. The program targets accounts with underwriting complications such as elevated experience modification rates, prior coverage lapses, non-renewals, adverse loss histories, or difficult class codes. If a client is being steered toward an assigned risk pool or has been declined by standard carriers, this program provides competitive coverage and flexible, cash-flow-friendly options to keep the business working. Ideal Accounts and Appetite Swimming pool and spa contractors with elevated experience modification factors (X-Mods typically from 1.30 to 3.0) Accounts non-renewed or cancelled for losses or class of business Clients exiting state funds, assigned risk pools, or similar plans New ventures with no prior coverage but challenging class codes Accounts with adverse underwriting factors or prior claims history Multi-state exposures or hard-to-place governing class codes Example: you might have a client who installs residential and commercial pools across multiple states, has a recent lapse in coverage and prior claims over $20,000. This program is designed to handle exactly that type of complex, higher-risk account. Coverage Highlights and Advantages Pay-As-You-Go Workers’ Comp to improve client cash flow No premium deposit and no traditional payroll audits required HR support services including COBRA, garnishments, unemployment claims, and more Full payroll services with tax filings (941s, W-2s) — or client option to issue payroll in-house Flexible placement options: ASO (non-PEO) or full PEO/employee leasing Loss control and risk management resources targeted to pool contractors Ongoing coverage that remains in force until cancelled Aggressive and fair claims management focused on early return-to-work Underwriting Notes and Submission Requirements Submissions must meet at least one of the eligibility criteria above. Accounts that are merely shopping for a lower rate or have active offers from standard markets typically are not eligible for this non-standard PEO division. Provide the following to submit an account: ACORD 130 Class-specific supplemental application (available on our website) Three years of loss history Loss history affidavit for accounts with a lapse or no prior coverage Explanation for any claims exceeding $20,000 Experience modification worksheet Territories and Availability This program is available in most states, including CA, TX, FL, NY, GA, NC, AZ, and IL. Coverage availability, admitted vs. non-admitted placement, and specific terms vary by state and by account details. Why Work With Novatae Risk Group and Empire Underwriters? Novatae Risk Group, as a Managing General Underwriter and Excess & Surplus Lines Broker, gives agents access to Empire Underwriters’ experience placing hard-to-place Workers’ Compensation risks. You’ll benefit from focused underwriting, responsive service, unique market access, and tailored solutions for swimming pool and spa contractors. We work to turn difficult placement situations into placed accounts. Need a quote for your Swimming Pool Contractor account? Email [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of accounts are a good fit for this program?Swimming pool and spa contractors with high X-Mods, prior coverage lapses, large claims, or those exiting assigned risk pools are the primary candidates for this program. Is prior coverage required for submission?No. Accounts with no prior coverage may be eligible if they meet one or more of the underwriting criteria listed for the program. What documents are needed to submit an account?You’ll need an ACORD 130, the class-specific supplemental application, three years of loss history, an experience mod worksheet, and any required affidavits or claim explanations for large losses. Can clients handle their own payroll checks?Yes. Clients can choose to run payroll in-house, or they can use the full payroll and HR services included in the program. In which states is this program available?The program is available in most states, including CA, TX, FL, NY, GA, NC, and others. Availability and placement (admitted vs. non-admitted) depend on state and account specifics. Need help placing an account? Connect with a market specialist.

Novatae Risk Group, through its partnership with Empire Underwriters, offers a specialized Workers Compensation Insurance program tailored for the oil and gas industry. Backed by more than 30 years of experience in the energy and marine insurance sectors, this program is built to support agents and brokers looking to place challenging workers comp accounts in high-hazard industries. Our dedicated team understands the complex risks oil and gas companies face. Whether your client operates in upstream, midstream, or downstream segments, we can help you find competitive, flexible solutions—even for distressed or hard-to-place accounts. As a Managing General Underwriter and Excess & Surplus Lines Broker, we work with a wide range of “A” rated carriers across both admitted and non-admitted markets, depending on the state. Ideal Accounts and Appetite: Experience MOD 1.30 or higher High-hazard job classes common in oil and gas operations Blue, gray, and white-collar occupations Accounts in state pools or funds Distressed, lapsed, or canceled policies New ventures welcome Multi-state companies, especially those with complex exposures No prior coverage or non-renewed accounts For example, if you're working with a startup drilling contractor with employees in Texas and New Mexico, or a pipeline inspection company with a loss history and a MOD above 1.40, this program is built to help you place that business confidently. Coverage Highlights and Advantages: Fast turnaround on quotes and submissions Access to multiple “A” rated markets Standalone Workers Compensation coverage Guaranteed cost plans available Integrated comp solutions for more complex risks Dividend and retrospective rating plans High-deductible options Custom account handling and servicing Underwriting Requirements: Completed ACORD 130 application 3–4 years of loss runs Details on any large losses Completed supplemental questionnaire Minimum Premium and Market Access: Minimum premium starts at $10,000. Carrier availability varies by state, and Novatae Risk Group has access to both admitted and non-admitted markets to help you find the right fit for your client. States We Serve: This program is available in most states, including but not limited to TX, OK, NM, LA, CA, CO, ND, and PA. We specialize in accounts with multi-state exposures and can help you navigate complex jurisdictional issues. Why Work With Novatae Risk Group? With decades of experience, a focused underwriting team, and strong market relationships, Novatae Risk Group delivers specialized solutions for agents seeking to place oil and gas workers compensation business. We’re large enough to serve national accounts, yet nimble enough to respond quickly and adjust to your client’s unique needs. Have a submission ready? Email [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of accounts are a good fit for this oil and gas workers compensation program?This program is ideal for high-hazard, hard-to-place accounts in the oil and gas sector, including distressed, new ventures, and multi-state operations. Can I submit accounts with high MODs or prior losses?Yes, accounts with MODs of 1.30 or greater and loss history are welcomed. Details on large losses are required for underwriting review. What is the minimum premium for this program?The minimum premium starts at $10,000, though actual pricing will depend on the specific risk profile and underwriting details. Are multi-state operations eligible?Yes, we specialize in multi-state exposures and can help navigate compliance and rating issues between jurisdictions. What documentation is required to get a quote?You’ll need to provide a completed ACORD 130, 3–4 years of loss runs, a supplemental questionnaire, and any large loss details. Need help placing an account? Connect with a market specialist.

Your clients depend on their paratransit operations to provide safe, reliable transportation for people who cannot use traditional public transit. These services create unique exposures — especially for drivers, aides, and on-board attendants — and require workers compensation programs tailored to the specialty transportation space. Novatae Risk Group offers a dedicated Paratransit Workers Compensation Insurance Program placed through a nationally recognized “A”-rated carrier. With over 30 years of experience in transportation-related insurance, we understand the operational risks your clients face and have the underwriting relationships and expertise to place tougher or niche accounts. The program supports both for-profit and not-for-profit paratransit providers and is available for emergency and non-emergency transport. Because Novatae focuses on specialty transportation, we can access carriers that provide workers compensation solutions tailored to drivers and staff who handle riders with mobility, medical, or cognitive challenges. Ideal Accounts and Appetite This program is built for paratransit operations, including the following target classes: Non-emergency medical transportation (NEMT) providers Wheelchair-accessible van services Community-based disability transport programs Senior transportation and escort services You might have a client who operates a regional NEMT fleet with wheelchair-accessible vehicles and trained drivers and aides — that type of account typically fits well. Accounts with documented driver training, vehicle maintenance programs, and formal rider-handling procedures are especially desirable. Coverage Highlights and Advantages Workers compensation placement through an “A”-rated national carrier Available to both for-profit and not-for-profit entities Accessible entry point with a $7,500 minimum premium Fast turnaround on quotes when you provide a complete submission Competitive compensation for brokers working the program Submission Requirements Completed ACORD 130 form Three years of currently valued loss runs Supplemental questionnaire describing operations and controls Details on any large or unusual losses Send submissions to [email protected] or call 800-758-8113 to discuss an account with an experienced underwriter. Underwriting Notes and Minimum Premiums The program is designed for small to mid-sized paratransit operators; the minimum premium is $7,500. Favorable submissions typically show evidence of driver screening, defensive driving or rider-handling training, proactive safety programs, and documented vehicle maintenance. Accounts with repeated severe losses, unmanaged exposure to hazardous transports, or poor safety controls may be declined or require higher retentions. Territories and Availability This program is currently available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, and WV. Coverage is offered across all available markets, including non-admitted where appropriate. Contact Novatae to confirm availability and market options for a specific state. Why Work With Novatae Risk Group? Novatae Risk Group is a managing general underwriter and excess & surplus lines broker with deep experience in transportation risks. Our specialized focus gives you market access, underwriting insight, and faster service for paratransit accounts that can be difficult to place in standard markets. We work with agents to assess exposures and present complete submissions that improve the likelihood of competitive terms. Call us today at 800-758-8113 to learn more about the Paratransit Workers Compensation Insurance Program. Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for paratransit operations, including non-emergency medical transportation providers, wheelchair van services, and community-based transport companies serving seniors or people with disabilities. Is this program available to both for-profit and nonprofit organizations?Yes. Novatae’s program accepts both for-profit and not-for-profit paratransit providers. What is the minimum premium for this program?The minimum premium for the program is $7,500, which makes it appropriate for many small to mid-sized operators. Which states is this program available in?The program is available in over 25 states, including major markets such as CA, FL, TX, NY, and IL. Reach out to Novatae to confirm availability in a specific state. What documents are needed to get a quote?Provide a completed ACORD 130, three years of currently valued loss runs, the supplemental questionnaire, and details on any large or unusual losses to obtain a quote. Need help placing an account? Connect with a market specialist.