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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...

... for agents and brokers placing structural and non-structural steel fabricators and erection cont...nd Inland Marine coverage tailored to steel operations. Are both admitted and...

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...rication, forging, casting, and structural steel operations High hazard an...ps. It suits fabricators, welders, structural steel contractors, and similar high-haza...

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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.

Employees are the backbone of any business. For companies that install office equipment, field staff face distinct on-the-job risks: lifting heavy copiers and printers, maneuvering bulky equipment through tight stairwells, working on customer premises, and handling wiring and racks. As an agent or broker, you need a Workers Compensation solution that reflects those exposures and the operational practices of the contractor. Novatae Risk Group, in partnership with Empire Underwriters, offers a focused Workers Compensation Insurance program for Office Equipment Installers. With more than 30 years of experience placing this class, our underwriting team understands the loss drivers, common loss scenarios, and the loss-control measures that make the difference. Whether your client installs copiers, printers, server racks, cabling, or other commercial office systems, this program is structured to meet their trade-specific needs while providing fast service for you. Ideal Accounts and Appetite Small to mid-sized office equipment installation firms with field technicians Companies with manual-labor exposure but documented safety programs and training Accounts with prior coverage and an otherwise manageable loss history New ventures may be considered if adequate documentation and controls are provided You might have a client who routinely installs multifunction printers across multiple office locations, or a regional IT integrator that ships and installs server racks and structured cabling. Those are the types of accounts that typically fit this program. Coverage Highlights and Advantages Competitive commission structure for agents and brokers Fast quote turnaround when a completed submission is provided Program available across a broad set of states to support regional accounts Minimum premium starts at $7,500 The program balances competitive pricing with underwriting rigor. Quick response times and broad market access help you place accounts efficiently and keep your clients working. Submission Requirements Completed ACORD 130 application Three years of currently valued loss runs Supplemental questionnaire specific to office equipment installers Details on any large or unusual prior losses Underwriting Notes and Minimums Underwriters focus on job duties, crew size, use of lift or mechanical aids, driver exposure, and documented safety practices. Strong safety programs, routine employee training, written lift procedures, and evidence of routine vehicle and equipment maintenance help your submissions. The program has a minimum premium threshold of $7,500; larger accounts can be placed across available markets depending on loss experience and controls. Available Territories This program 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, and WV. Contact us to confirm current availability in a client’s specific state. Why Work With Novatae Risk Group Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines broker with specialty expertise in nuanced workers compensation placements. Our longstanding relationship with Empire Underwriters gives agents access to a range of admitted and non-admitted markets and to underwriters who know this trade. We combine market access with a service-driven approach to help you move submissions quickly and place accounts where standard markets are constrained. Need a Workers Compensation Insurance quote for your Office Equipment Installer client? 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 is designed for businesses that install, service, or move office equipment such as copiers, printers, IT hardware, and similar systems. Ideal accounts have field staff, documented safety protocols, and a generally favorable loss history. What documents are needed to submit an application?Required documents include a completed ACORD 130, three years of loss runs (currently valued), a supplemental questionnaire, and details on any large prior losses. Which states is this program available in?The program is available in over 20 states, including CA, TX, NY, FL, and IL. Contact your underwriter to confirm availability in the specific state where the risk operates. Is this program admitted or non-admitted?We have access to multiple markets, allowing placements in both admitted and non-admitted options depending on the state and the specifics of the risk. How fast can I get a quote?Quotes are typically turned around quickly once all required documentation is received. Providing complete loss runs and the supplemental questionnaire up front speeds the process. Need help placing an account? Connect with a market specialist.

...tion, stucco, or plastering Structural and decorative EIFS work Accoun...cco, plastering, and decorative or structural EIFS work—especially those with ...

Street and road contractors face distinct liability exposures from hot materials, heavy equipment, traffic control and work performed near the public right-of-way. Novatae Risk Group, working with an “A” rated carrier panel, offers a specialized General Liability Insurance program built for small to medium-sized street and road contractors. The program is intended for insurance agents and brokers who need dependable coverage, practical underwriting decisions, and responsive service to place accounts quickly. With more than 30 years of contractor-market experience, our team knows the exposures that arise during paving, curb-and-gutter work, sidewalk and driveway projects, and municipal road repairs. Whether your client is repaving a town’s local streets or repairing commercial parking areas, Novatae helps you deliver coverage that aligns with contract requirements and real-world jobsite risk. Program Overview This General Liability program targets small to medium street and road contractors with annual payrolls under $1 million. Underwriting prioritizes fast submissions, practical eligibility decisions, and policy wording that meets public-works and commercial contracting requirements. Target Classes and Eligible Operations Highway and public roadway construction Street and road paving contractors New construction for residential and commercial properties, including single-family homes Repair, resurfacing and remodeling of residential and commercial driveways and lots Good-fit accounts include small paving contractors handling municipal streets, firms performing curb and gutter installations for retail centers, and crews repaving neighborhood roads for local governments. Ineligible Risks New construction of condominiums, condo conversions, and townhouses (limited exceptions may apply) Projects involving structures over three stories (limited exceptions may apply) Coverage Features Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate Subsidence coverage (with limitations) Prior Projects coverage (with limitations) These features are structured to meet common contract and municipal requirements while protecting your insureds from third-party claims during and after project completion. Submission Requirements Completed ACORD applications 3 to 5 years of currently valued loss runs Program-specific supplemental application Project-specific pollution application, if applicable Minimum Premium and Market Access Minimum premium starts at $1,500. Novatae provides access to both admitted and non-admitted markets, including carriers rated as high as A-XV, which gives flexibility to find appropriate capacity and wording for many challenging accounts. Available States This 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 wholesale broker focused on contractor insurance, Novatae Risk Group pairs deep underwriting knowledge with broad market access to help you place more business. Our underwriters are experienced with municipal and commercial contracting exposures and will work with you to deliver timely quotes and policy terms that reflect jobsite realities. Call us today at 800-758-8113 to speak with one of our brokers, or email your submission to [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized street and road contractors with annual payrolls under $1 million, including those involved in paving, curb and gutter work, and municipal road repairs. Are both residential and commercial projects eligible?Yes. The program covers new construction and remodeling for residential and commercial properties, including single-family homes. Larger multi-story residential projects are generally excluded. What are some ineligible risks?We typically cannot place new construction of condominiums, condo conversions, or projects involving structures over three stories, although limited exceptions may be considered on a case-by-case basis. Is this program available in my state?The program is available in over 25 states, including CA, TX, FL, GA, and IL. Contact Novatae to confirm availability and admitted vs. non-admitted options in your state. What documents are required to submit an account?You’ll need completed ACORD applications, 3–5 years of loss runs, the program supplemental application, and a pollution/project form if the operation has potential pollution exposures. Need help placing an account? Connect with a market specialist.

Tract Home Builder Program from Novatae Risk Group Novatae Risk Group offers a dedicated Tract Home Builder Program for residential developers and contractors who build multiple single-family homes in planned subdivisions. The program is built to handle the complex liability and coordination exposures that come with multi-home and phased developments, and it provides flexible admitted and non-admitted placement options to fit regional and large-scale builders alike. Ideal Accounts and Appetite This program targets residential tract development projects. Typical accounts we place include: Homebuilders developing multiple single-family units in planned subdivisions General contractors overseeing large residential projects or multiple builders on a single site Developers coordinating phased or long-term tract developments You might have a client building a 50-home subdivision in Texas or a contractor managing a multi-phase project in California — Novatae’s program is structured to accommodate those exposures and timelines. Coverage Highlights and Advantages Traditional Policies (Occurrence Form): $2,500 minimum premium Access to 23 A.M. Best A-VI+ rated carriers Available through both admitted and non-admitted markets Includes CG20101185-equivalent endorsements Offered in most states Per Project Policy: Policy terms extendable from 18 to 36 months or longer Supported by A+ rated carriers Available in most states Wrap Up - CCIPs (Contractor-Controlled Insurance Programs): Backed by over 17 A-VIII or better rated carriers Designed specifically for residential tract developments Limits: $1M/$2M/$2M Deductible: $5,000 Self-Insured Retention (SIR) or higher Minimum Premium: Competitive pricing available Available in all states Wrap-up policies consolidate coverage for all contractors and subcontractors on a project to reduce coverage gaps and disputes. This integrated approach can improve job site safety, simplify loss control and streamline claims handling. Learn more about Wrap Up Coverage. Underwriting Notes and Minimum Premiums Submissions should include detailed project information, construction schedules, and contractor qualifications to secure the most accurate quotations. Traditional occurrence policies start at a $2,500 minimum premium; competitive minimums are available for wrap-up/CCIP structures. Policies can be tailored to match project timelines, phased construction schedules, and the overall risk profile. Territories and Availability Novatae’s Tract Home Builder Program 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, and WV. Both admitted and non-admitted placements are available depending on the state and individual risk characteristics. Why Work With Novatae Risk Group? As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group combines deep underwriting expertise with broad carrier access to place complex residential construction risks. We focus on practical, marketable solutions for tract developers and contractors — including occurrence forms, per-project policies, and wrap-up programs backed by highly rated carriers. Our team works with agents to structure coverage that aligns with project schedules and reduces exposure to gaps between contractors and subcontractors. Do you need a Tract Home Builder Quote? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak with an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for contractors and developers involved in residential tract home construction, especially those managing multi-home or phased subdivision projects. Can coverage be customized for different project sizes and durations?Yes. Policies can be tailored per project with terms typically ranging from 18 to 36 months or longer, depending on project scope and client needs. Is this program available on an admitted basis?Yes. Both admitted and non-admitted options are available depending on the state and the risk profile. Are wrap-up policies available nationwide?Yes. Wrap-up CCIP options are available in all states and are backed by highly rated carriers. What is the minimum premium requirement?Minimum premiums start at $2,500 for standard occurrence policies; competitive pricing is available for wrap-up and CCIP placements. Need help placing an account? Connect with a market specialist.