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..., 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.

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Overview of the PEO Program from Novatae Risk Group Novatae Risk Group offers a specialized PEO solution tailored for staffing companies that face challenges securing workers' compensation coverage in the standard market. Through our program, agents and brokers can find placement options for difficult staffing accounts—particularly those affected by high experience mods, prior losses, tough class codes, or multi-state exposures. Our PEO for Difficult Staffing Accounts, powered by Empire Underwriters, delivers flexible and creative alternatives to state funds, assigned risk pools, or carriers who are unwilling to renew. With access to top-rated AM Best carriers and a wide range of program structures, we help you place hard-to-write risks efficiently and competitively. Ideal Accounts and Target Classes Staffing firms exiting state funds or assigned risk pools Accounts with X-Mods between 1.30 and 3.0 Clients recently non-renewed or cancelled due to losses Risks with a lapse in coverage (case-by-case basis) Multi-state staffing firms or those with adverse underwriting history Target staffing classes include Construction, Light Industrial, Healthcare, IT/Technical, Clerical, Administrative, Hospitality, and Skilled Trades. We will consider most class codes, depending on the state and risk profile. Example: You might be working with a staffing agency that places light industrial workers across three states and was recently dropped by its carrier after a year of losses. That’s a strong candidate for our PEO program. Coverage Highlights and Program Benefits Custom-tailored solutions for each account High Deductible and Retroactive Plans available Dividend or Return of Premium eligibility (case-by-case) Loss control and risk management support Fair and expert claims handling Automatic renewals with minimal to no audits HR services and optional benefits administration (ACA compliant) Pay-As-You-Go billing and optional zero premium deposits Full-service payroll with tax filing (941s, W-2s, etc.) Multiple Coordinated Policy Programs (MCCP) Master Policy options aligned with NCCI guidelines Fast turnaround on quotes Commissions Great Commissions – Ranges from 6% to 10% of workers' compensation premium, depending on risk class and account size. Submission Requirements Completed Acord 130 Three years of loss runs Loss affidavit for accounts with no prior or lapse Explanation for any claim over $20,000 Current Experience Mod sheet Class-specific supplemental application (Click here for Supplementals) Territories and Availability Our PEO program is available in all U.S. states except monopolistic fund states. We currently write business in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, 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, WV, WI. Why Work With Novatae Risk Group? As a leading managing general underwriter and E&S broker, Novatae Risk Group delivers access to over 12 top-rated carriers including AIG, Zurich, Hartford, Amtrust, Argonaut, State National, and more. We specialize in placing tough-to-insure staffing risks and provide agents with market access, underwriting expertise, and fast service to help you close more business. Whether you're helping a client transition out of an assigned risk pool or dealing with a tough class code, Novatae gives you the tools and options to find a competitive solution. Frequently Asked Questions What types of accounts are a good fit for this PEO program?Staffing companies facing non-renewal, high X-Mods, prior losses, or those exiting state funds are ideal. We also accept multi-state risks and tough class codes. Do you offer coverage in all states?We write in all states except monopolistic fund states, including CA, FL, TX, NY, and many others. What carriers do you work with for this program?We have access to over 12 top-rated carriers including AIG, Zurich, Hartford, Amtrust, Argonaut, and more. How fast can I get a quote?We offer quick turnaround on most submissions, provided all required documents are complete and accurate. What documents are needed to submit an account?You'll need a completed Acord 130, three years of loss runs, Experience Mod sheet, explanations for large claims, and a class-specific supplemental form. 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.

A Vital Workers Compensation Loss Control and Cost Cutting Tool for Companies Nationwide What Novatae Risk Group's Professional Employer Organization (PEO) Program Does for Your Policyholders Novatae Risk Group offers a PEO program built for agents who need a dependable market to place small- and mid-sized employers that require full-service HR and more competitive workers compensation solutions. This program helps your clients outsource payroll, benefits, compliance, and claims management while improving cash flow and reducing workers comp expense through pay-as-you-go billing and hands-on loss control. Place clients who are struggling with high X-Mods, recent losses, tough class codes, lapses in coverage, or complex multi-state operations. Novatae pairs underwriting expertise with broad carrier access to craft practical, market-ready PEO solutions. Why Agents Use Novatae's PEO Solutions Leveraging a PEO through Novatae gives your clients and your agency clear advantages: No large premium deposits or year-end audits Pay-as-you-go workers compensation tied to actual payroll Administrative relief—HR, payroll, benefits, and compliance handled by the PEO Access to stronger employee benefits packages and payroll tax remittance Dedicated loss control and claims services to manage exposures and control frequency Programs designed for retention and simplified servicing for your agency Program Features and Highlights No premium deposits or audits required; improved cash flow with pay-as-you-go billing Comprehensive HR support including onboarding, ACA compliance, and claims management Payroll services with full tax remittance and reporting Flexible program structures — deductible options, dividend/return-of-premium programs, safety credits Integration options for job costing and accounting software High retention — coverage remains in force until canceled, reducing client turnover Target Markets and Ideal Accounts This PEO program is designed to place risks that are otherwise hard to write in the standard market, including accounts that: Are being non-renewed or canceled due to losses or underwriting restrictions Are in assigned risk pools or coming out of state funds Have elevated X-Mods (1.30–3.0) or recent large losses Have lapsed coverage, no prior, or operate in difficult class codes Operate across multiple states or have complex payroll structures Industries where Novatae is especially competitive include (but are not limited to): Manufacturing Construction (roofing, masonry, excavation) Staffing agencies Property management Janitorial and cleaning services Landscaping and demolition In-home care and assisted living Transportation and warehousing Farming and agricultural operations Swimming pool contractors Residential care facilities Gunite and pool plastering contractors Tailored Solutions and Carrier Access Novatae works with over a dozen carriers — including top-rated AM Best markets — to tailor PEO placements. Available options include deductible and dividend programs, safety credits, and payroll delivery choices (direct deposit, mailed checks, or in-house check writing). Software integrations can streamline job costing and reporting to help clients control loss experience. Underwriting Notes and Submission Requirements To evaluate a risk quickly, include the following: ACORD 130 Three years of loss runs Loss history affidavit if there is a lapse or no prior coverage Explanations for claims over $20,000 Experience Mod sheet Applicable supplemental application for the class of business (View Forms) Minimum premiums vary by carrier and program structure; provide complete submissions to get an accurate indication. Territories and Availability The PEO program is available in most non-monopolistic states. Current availability includes: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, 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, WV, WI. Example Accounts You Might Place A regional roofing contractor with a 1.8 X-Mod and frequent subcontractor payroll who needs payroll tax handling, claims management, and a path off the assigned risk market. An in-home care agency expanding to three states with payroll complexity, ACA reporting needs, and prior lapses in coverage — seeking stable benefits and workers comp administration. Why Work With Novatae Risk Group As a Managing General Underwriter and Excess & Surplus Lines broker, Novatae combines deep underwriting expertise with broad carrier relationships to place hard-to-place workers compensation business. Agents benefit from strong market access, program flexibility, professional loss control and claims support, and streamlined servicing so you can retain clients with less administrative burden. Frequently Asked Questions What types of accounts are a good fit for this PEO program?Accounts with high X-Mods, prior large losses, tough class codes, or those coming out of assigned risk pools are a strong fit. Construction, staffing, janitorial, home healthcare, and transportation accounts are frequently placed. Can this program help clients who have been non-renewed or have a lapse in coverage?Yes. The PEO program accommodates non-renewals and lapses, including businesses with challenging loss histories or underwriting restrictions. What states is this program available in?The program is available in most states nationwide, excluding monopolistic states. See the full list above for current state availability. Are there specific submission requirements?Yes. Provide an ACORD 130, three years of loss runs, an Experience Mod sheet, supplemental applications for the class of business, and claims explanations for large losses. What are the advantages for agents placing business through this program?Agents gain access to markets that can place difficult workers comp accounts, receive competitive commission opportunities, and benefit from high client retention with minimal servicing needs. Need help placing an account? Connect with a market specialist.

Novatae Risk Group offers a dedicated Plumbers Workers Compensation Insurance program designed for independent agents and brokers placing plumbing contractors, service plumbers, and small plumbing firms. Our program pairs targeted underwriting with broad state availability to help you secure workers compensation solutions for your plumbing clients quickly and competitively. To discuss a specific account or get a quote, call 800-758-8113 or email [email protected] to reach an experienced underwriter. Overview of the Program This plumbers workers compensation program is underwritten for plumbing contractors and related trades. It is intended for accounts that benefit from disciplined underwriting, risk-management support, and flexible placement options across multiple jurisdictions. Novatae Risk Group administers this program to streamline placement, provide fast turnarounds on completed submissions, and help you deliver stable, market-appropriate coverage to your clients. Ideal Accounts and Appetite Target: plumbing contractors, service plumbers, multi-trade contractors where plumbing is the primary exposure, and small to mid-size plumbing shops. Preferred: accounts with standard payrolls and predictable loss histories, contractors with established safety programs. May consider: accounts with moderate-large single losses if adequately documented and mitigated. Not a fit: highly volatile or non-compliant operations, accounts with unresolved catastrophic exposure without corrective plans. Coverage Highlights and Advantages Program tailored specifically for plumbing exposures and related classifications. Competitive pricing and broad market access — carriers vary by state and account characteristics. Fast quote turnaround when you provide a completed submission package. Dedicated underwriting support for placement and loss-control recommendations. Commission structure and other producer terms are available on request; see program highlights for current guidance. Underwriting Notes and Minimum Premiums The program has a minimum premium requirement of $7,500. Underwriting decisions are based on payroll, class codes, loss history, safety practices, and occupational exposures typical to plumbing work. Provide full details on any large or unusual losses to avoid delays. The program offers admitted and non-admitted placement options depending on the state and account profile. Territories and Availability Coverage is 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, WV. Availability and market options can vary by state and account characteristics. Submissions Acord 130 3 Years Loss Runs Supplemental Questionnaire Details on Large Losses Why Work With Novatae Risk Group on Plumbers WC Novatae Risk Group combines program underwriting expertise with E&S broking capabilities to place plumbing workers compensation accounts that need specialized attention. You benefit from a focused appetite for plumbing trades, rapid response on completed submissions, and access to multiple carriers to fit different risk profiles. Our team works with you to identify loss-control improvements and to present clean, well-documented submissions that improve placement outcomes. Ready to submit? Send your complete submission to [email protected] or call 800-758-8113 to speak to an underwriter about coverage options and turnaround expectations. Frequently Asked Questions What types of plumbing accounts are a good fit for this program?Service plumbers, residential and commercial plumbing contractors, and small-to-mid-size plumbing shops with documented payrolls and standard loss histories fit best. Multi-trade contractors where plumbing is the primary exposure are also appropriate. What is the minimum premium and are there placement restrictions?The program's minimum premium is $7,500. Placement options and admitted vs. non-admitted availability depend on the state and the account profile; contact underwriting for specific state guidance. What information speeds the quoting process?Provide a completed Acord 130, three years of loss runs, the supplemental questionnaire, and details on any large losses. Complete submissions receive faster turnarounds. Which states are available through this program?Coverage is available in 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. Market options may vary by state. Who do I contact with questions or to submit?Send submissions or questions to [email protected] or call 800-758-8113 to speak with an underwriter about your plumbers workers compensation accounts. Need help placing an account? Connect with a market specialist.