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...ogram is built specifically for structural and non-structural steel fabricators and steel erectio...m available in all states?Yes. The AllSteel™ program is available in all 50 st...

...x risk management needs of both structural and non-structural steel fabricators and erection cont...m available in all states?Yes, the AllSteel™ program is available in all 50 st...

...ive equipment, and working with structural steel at varying heights and job si...ing architectural, ornamental, and structural metal work. Are residential and ...

...ets that understand excavation, structural steel, crane operations, demolition...engaged in excavation, demolition, structural work, crane rentals, and infrast...

...ent rental and boom truck fleets Steel erection contractors, millwrights and...program is ideal for crane operators, steel erection contractors, millwrights, equipme...

...al handling: Large scale structural steel erectors or heavy industrial contract...

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Roofing contractors rank among the highest workers compensation exposures in construction. As an independent agent, you need a market that understands the hazards of working at heights, heavy material handling, and variable job-site safety. Novatae Risk Group, in partnership with Empire Underwriters, offers a targeted Workers Compensation Insurance for Roofers program built to place difficult, high-exposure, and multi-state roofing accounts. Backed by more than 30 years of underwriting and program placement experience in roofing and construction, this program helps agents place accounts that traditional carriers decline. Novatae provides access to a panel of “A” rated carriers across admitted and non-admitted markets, and offers flexible structures for accounts with elevated MODs, recent losses, lapsed coverage, or complex payroll and employee mixes. Target Accounts and Appetite Roofing contractors with experience MODs of 1.30 or higher High-hazard roofing classifications and tough construction classes Accounts in state pools or assigned risk funds New ventures and startups with limited or no prior coverage Cancelled, non-renewed, or hard-to-place accounts Multi-state operations and contractors with complex exposures Mixed workforce compositions—including blue, gray, and white-collar roles If you’re facing an insured who has been turned away by standard markets, Novatae’s program is structured to step in where others won’t. The appetite is broad but focused on roofing-related risks—very high-risk specialty trades outside typical roofing operations may be referred to other markets. Program Highlights Access to top-rated carriers (“A” Rated) across admitted and non-admitted markets Fast turnaround on submissions and competitive quote response times Stand-alone Workers Compensation policies and flexible plan options Guaranteed cost, dividend, and retro plans to match risk appetite High-deductible programs and captives-friendly structures where appropriate Integrated risk-management services and loss-control resources Custom account handling for complex, multi-state, or high-loss accounts Underwriting Notes and Submission Requirements Completed ACORD 130 application 3–4 years of loss runs Supplemental questionnaire for roofing operations Details on any large or catastrophic losses The program is designed to evaluate the full risk picture—payroll mixes, subcontractor use, safety and return-to-work programs, and prior claim patterns all factor into placement and pricing. For accounts with significant prior losses, providing detailed loss narratives and corrective action plans will improve placement chances. Program Availability and Minimum Premium This program is available in most states, including AL, AK, AZ, CA, FL, GA, IL, NY, TX and many others. Coverage can be placed through admitted or non-admitted carriers depending on state rules and account specifics. The minimum premium for this program is $10,000. Why Work With Novatae Risk Group? Novatae Risk Group, together with Empire Underwriters, combines deep roofing and construction expertise with broad market access. We focus on solutions for agents who need to place challenging workers compensation risks: high MODs, multi-state payrolls, lapses, and accounts with prior loss activity. Our underwriting team provides practical, market-ready options and works with agents to structure submissions for the best possible outcomes. Example scenarios you can place through this program: A regional roofing contractor with a 1.6 experience MOD and a recent large medical claim seeking a multi-state program and loss-containment plan. A startup roofing business with strong safety protocols but no prior coverage—seeking an entry solution while building a loss history. Need a quote for your roofing client? Email your submission to [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of roofing contractors are a good fit for this program?This program is ideal for contractors with high MODs, prior claims, lapsed policies, or those that are new ventures. We also specialize in hard-to-place and high-hazard roofing accounts. Can you handle multi-state exposures?Yes, multi-state operations are a specialty. We work with carriers that provide solutions across state lines, simplifying coverage for clients operating in multiple jurisdictions. What is the minimum premium for this program?The minimum premium starts at $10,000, though actual premiums vary based on the account’s details and risk profile. What documentation is required for a quote?To get started, we typically need an ACORD 130, 3–4 years of loss runs, a supplemental questionnaire, and details on any significant losses. Are both admitted and non-admitted markets available?Yes, we offer access to both admitted and non-admitted carriers, depending on the state and account specifics. Need help placing an account? Connect with a market specialist.

Novatae Risk Group places access to a specialized workers' compensation program for pipeline contractors underwritten by Empire Underwriters. The program is designed for contractors who perform trenching, excavation, soil stability analysis, right-of-way work and traffic control at linear work sites. Novatae's underwriting partners combine industry knowledge with experienced risk control consultants to help your clients manage the high-risk exposures typical to pipeline work. Overview This program targets hard-to-place pipeline contracting exposures, offering admitted and non-admitted solutions across a wide set of markets. It is intended for agents and brokers who need solid carrier appetite and flexible placement options for accounts with higher MODs, challenging class codes, multi-state payrolls, or prior coverage problems. Appetite: MOD 1.30 or greater High-hazard and hard-to-place class codes Blue-, gray- and white-collar payroll mixes Accounts in state funds, pools, or assigned risk Distressed, lapsed, or previously cancelled/non-renewed programs New ventures are acceptable Multi-state exposures handled as a specialty Hard-to-place workers’ compensation accounts Coverage Highlights and Advantages: Quick underwriting turnaround to keep submissions moving Access to many "A" rated carriers (varies by state) Stand-alone workers' compensation placements Guaranteed cost, dividend and retro plan options Integrated work comp solutions and high-deductible programs Custom account handling and experienced claims/risk control support Underwriting Notes and Minimum Premiums Minimum premium: $10,000 Preferred submissions include an ACORD 130, 3–4 years of loss runs and details on any large losses Supplemental questionnaire may be required for complex or multi-state accounts Underwriters consider the full account mix (payroll split, class codes, safety programs) when pricing high-hazard exposures Submission Practicals Provide complete loss runs and job detail up front to speed placement. Large-loss narratives, experience modification documentation, and a completed supplemental questionnaire help underwriters evaluate concessions like retro plans or high-deductible structures. The program supports both admitted and excess & surplus (non-admitted) options to fit carrier availability and state requirements. Territories and Markets Availability: All Available Markets. Carriers vary by state. This program accepts business across the following states and territories: 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, WI. Why Work with Novatae Risk Group on This Program Novatae Risk Group connects agents to specialized underwriting capacity for pipeline contractors. The program is built to handle complex payroll spreads, high-hazard exposures, and accounts with prior placement challenges. Your clients benefit from experienced underwriting, practical risk control guidance, and flexible plan structures that can include dividend or retro options when appropriate. Do you need a Workers Compensation Insurance Quote for your pipeline 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 pipeline contractor accounts are a good fit for this program?Accounts with trenching, excavation, right-of-way work, soil stabilization tasks and traffic control needs are core fits—especially those with MODs above 1.30, complex class mixes, multi-state payrolls, or prior cancellations/non-renewals. Which states and market types are supported?This program is available across a broad set of states (see the territories list above) and offers both admitted and non-admitted market options; specific carrier availability varies by state. What documentation is required with a submission?Include an ACORD 130, 3–4 years of loss runs, large-loss details, and a completed supplemental questionnaire for complex accounts. Complete submissions get faster responses. Can you place accounts with multi-state exposure or in state funds?Yes. Multi-state exposures are a specialty of the program, and the underwriting team will structure placements for accounts currently in state pools, assigned risk, or state funds when appropriate. What turnaround and service can an agent expect?Underwriters aim for quick turnaround on complete submissions. Novatae and the underwriting partners provide consultative support, including risk control guidance, to help agents close and service difficult placements. Need help placing an account? Connect with a market specialist.