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Being a sandblasting contractor on a construction proje...-sized residential and commercial sandblasting contractors with under $1,000,0...

..., 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...

...on measures as appropriate Sandblasting and abrasive blasting are separate... requested in the submission. Are sandblasting or interior tank cleaning operations eligible?No. Sandblasting/abrasive blasting and interior ...

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. ```

Painting contractors may not be responsible for a building’s structure, but their work directly affects its appearance and value. Even with good safety practices, painting jobs can generate costly workers’ compensation claims — particularly for accounts that are difficult to place. Novatae Risk Group offers a specialized Non-Standard Workers Comp Insurance program tailored to painting contractors, including high-risk, previously declined, or otherwise non-standard accounts. Offered through our partnership with Empire Underwriters, this program addresses the needs of non-standard risks — from contractors with elevated experience modification factors to those turned away by the standard market. If your client has had coverage lapses, adverse loss history, or is transitioning off a state fund or assigned risk pool, Novatae helps you move the account quickly and efficiently. Program Highlights Pay-As-You-Go workers’ comp to lower up-front cash requirements No premium deposit required No premium audits, simplifying administration Improved client cash flow and predictable premiums Proactive loss control and risk management resources Efficient, fair claims handling HR support services (unemployment claims, garnishments, COBRA, etc.) Full-service payroll with tax remittance and compliance (941s, W-2s) Option for clients to issue payroll checks in-house ASO (Administrative Services Only) and Non-PEO options PEO / employee leasing option also available High-retention product with continuous coverage until canceled Ideal Accounts and Underwriting Appetite Painting contractors exiting state funds or assigned risk pools Accounts non-renewed or canceled by standard carriers for high exposure or prior losses (X-Mods between 1.3 and 3.0) Clients with prior coverage but facing cancellation because of heavy losses Accounts with lapses in coverage or no prior insurance history Risks with tough class codes, challenging loss histories, or adverse underwriting profiles Accounts with manual rates from roughly $8 to $50+ and elevated X-Mods Submissions must meet at least one of these criteria to be considered for the PEO program. Accounts that have viable standard-market options or are simply rate-shopping are not appropriate for this product. Submission Requirements Completed ACORD 130 application Class-specific supplemental form (available on our website) Three years of loss history Loss History Affidavit for accounts with no prior or lapsed coverage Explanation for any claims exceeding $20,000 Experience Mod worksheet Territories and Market Access This program is available in most states (over 45), including AL, AK, AZ, CA, FL, GA, IL, NY, TX and many others. Markets and carriers vary by state, and we can place business in both admitted and non-admitted markets depending on the state and risk profile. Why Work With Novatae Risk Group? As a Managing General Underwriter and E&S broker, Novatae Risk Group combines deep underwriting expertise with wide market access to place challenging workers’ compensation risks. Our relationship with Empire Underwriters provides real underwriting authority, flexible options, and responsive service. We understand the exposures common to painting contractors — from ladder and scaffolding exposures to slip-and-fall and lead/chemical concerns — and deliver placement solutions that agents can rely on. Need a Non-Standard Workers Comp Insurance quote for a painting contractor? Send a submission to [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of painting contractor accounts are a good fit for this program?This program is ideal for accounts with prior losses, high experience mods, coverage lapses, or those exiting state funds or assigned risk pools. Is prior coverage required to qualify?No. Accounts with no prior coverage or a lapse in coverage may still be eligible if they meet other underwriting criteria. Can I submit risks from any state?The program is available in over 45 states. Please refer to the full list to confirm eligibility in your client’s location. What documentation is required to submit an account?You'll need an ACORD 130, class-specific supplemental form, three years of loss history, a loss affidavit (if applicable), and the experience mod worksheet. What makes Novatae Risk Group a strong partner for this coverage?Novatae offers deep underwriting expertise, access to both admitted and non-admitted markets, and a flexible program that addresses the unique needs of high-risk painting contractors. Need help placing an account? Connect with a market specialist.

Manufacturing operations carry a distinct set of risks—especially for Workers Compensation. Novatae Risk Group understands those complexities and offers a Manufacturing Workers Compensation Insurance program tailored for high-hazard and hard-to-place manufacturing accounts. Through our partnership with Empire Underwriters, we help brokers and agents place Workers Compensation coverage for a broad range of manufacturing classes. We work with manufacturers of plastics, metals, food products, industrial equipment, and more. Whether your client is a startup, has a high MOD, or has been declined elsewhere, our team has the underwriting experience and market access to pursue the right solution. Ideal Accounts and Appetite MOD 1.30 or greater High-hazard manufacturing classes Blue, gray, and white collar operations State fund or assigned risk pool accounts Accounts with lapses in coverage, cancellations, or non-renewals Startups and new ventures Multi-state operations Hard-to-place Workers Compensation risks If you have a manufacturing client with a challenging Workers Compensation history or a complex operations profile, we want to see it. For example, you might have a metal fabrication shop with prior large losses or a commercial bakery expanding into multiple states—both are strong candidates for this program. Coverage Highlights and Advantages Fast quote turnaround to keep placements moving Access to multiple "A"-rated carriers (varies by state) Stand-alone Workers Compensation policies Guaranteed cost, dividend, and retro-rated plan options High-deductible structures available Integrated, customized account handling and advocacy We focus on flexible, market-driven solutions. Whether the client prefers a traditional guaranteed cost policy or a high-deductible program, we’ll help structure the coverage to match the risk and budget. Underwriting Notes and Submission Requirements Minimum premium: $10,000 ACORD 130 application 3–4 years of loss runs Details on any large losses Completed supplemental questionnaire Including these documents with your submission will expedite review. Our underwriters evaluate each account promptly and will work with you on reasonable risk-management strategies when appropriate. States 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. Market availability and carrier options may vary by state. We offer both admitted and non-admitted solutions depending on the risk and jurisdiction. Why Work With Novatae Risk Group? With more than 30 years of experience in the manufacturing sector, Novatae Risk Group and our partners know how to place complex Workers Compensation risks. We combine underwriting expertise, strong carrier relationships, and responsive service to help you place difficult accounts and deliver competitive terms to your clients. Need a quote for a manufacturing client? Email your submission to [email protected] or call us at 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of manufacturing businesses are eligible for this program?We can accommodate a wide range of manufacturers, including plastics, metals, food processing, industrial equipment, and similar sectors—especially those viewed as high hazard or hard to place. Can you help with accounts that have been cancelled or non-renewed?Yes. The program is designed to handle distressed and difficult accounts, including those that have been cancelled, non-renewed, or lack prior coverage. Is this program available for new ventures?Yes. We accept startup manufacturing businesses and new ventures, even if they have limited or no Workers Compensation history. What documents are required to submit a risk?Provide a completed ACORD 130, 3–4 years of loss runs, details on any large losses, and the supplemental questionnaire to start the underwriting review. Which states is this program available in?The program is available in most U.S. states. Carrier options and admitted status vary by state, so contact us to confirm market availability for your client's location. Need help placing an account? Connect with a market specialist.

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.