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Owners and operators of HVAC contracting businesses face many daily challenges—from coordinating installations and service routes to keeping technicians safe on varied job sites. As an insurance professional, you need markets that understand those exposures and can deliver workers compensation solutions that control cost, maintain compliance, and protect payroll. Novatae Risk Group offers an HVAC Contractors Workers Compensation Insurance program administered by Empire Underwriters to help you place this essential coverage. This program is not a one-size-fits-all product. Novatae Risk Group uses a tailored underwriting approach, working directly with agents to review operations, identify key exposures, and match risks to the appropriate admitted or surplus lines markets. We consider company size, the types of buildings serviced, payroll mix, loss history, and whether work includes service, installation, maintenance, or construction-related activities. Whether the account is a small residential shop or a mid-size contractor handling commercial and government maintenance contracts, we can help you find a competitive market. For example, you might have a client who expanded into multi-unit housing or added new crews and is struggling to place affordable coverage due to higher payroll or prior losses—this program is designed to provide options in those situations. Program Features: Minimum premium starting at $7,500 Placement through both admitted and non-admitted markets Dedicated underwriting support and responsive service Program Highlights: Competitive broker compensation Fast turnaround on quotes with complete submissions Coverage available in over 20 states Access to a variety of carriers (varies by risk) Underwriting Submission Requirements: ACORD 130 application Three years of currently valued loss runs Completed supplemental questionnaire Details on any large or open losses Program Availability: This workers compensation 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. We work with both admitted and non-admitted markets to provide flexible solutions depending on your client's needs and location. Why Work With Novatae Risk Group? As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group brings deep market access and specialty underwriting knowledge for HVAC contractors. Our partnership with Empire Underwriters gives you HVAC-specific insight and a broker-focused service model: fast quotes, practical underwriting guidance, and hands-on support from submission through binding. Need a Workers Compensation quote for your HVAC contractor client? Send your submission to [email protected] or call 800-758-8113 to speak with our underwriting team today. Frequently Asked Questions What types of HVAC businesses are a good fit for this program?This program is ideal for residential, commercial, or mixed HVAC contractors—particularly those with field technicians, installation crews, or service teams regularly exposed to job-site hazards. What is the minimum premium required?The program requires a minimum premium of $7,500, so it is best suited for operations with moderate to higher payrolls or larger crews. What documents are needed to submit a risk?Provide a completed ACORD 130, three years of currently valued loss runs, the supplemental questionnaire, and details on any large or open losses. How quickly can I get a quote?With a complete submission, we typically turn around quotes quickly—often within a few business days. In which states is this program available?Coverage is available in over 20 states, including CA, FL, TX, NY, and other states across the South, Midwest, and Northeast. Need help placing an account? Connect with a market specialist.

...otect NEMT employees from common workplace exposures such as lifting and trans...

Occupational Accident/Non-Subscriber Insurance Program from U.S. Risk U.S. Risk Insurance Group, Inc. provides a competitive, flexible Occupational Accident/Non-Subscriber Insurance program tailored for employers that operate outside traditional workers’ compensation systems. With broad access to Excess & Surplus (E&S) markets, U.S. Risk helps brokers place cost-effective solutions for clients who want alternatives to statutory workers’ compensation. As an experienced E&S broker, U.S. Risk understands the exposures non-subscriber employers face—especially in states such as Texas where workers’ compensation is optional. The program is structured for agents who need underwriting flexibility, creative coverage design, and efficient turnaround on hard-to-place accounts. Ideal Accounts and Appetite This program suits businesses that have chosen not to participate in a statutory workers’ compensation system and want occupational accident coverage to protect employees for on-the-job injuries. Target industries include: Light and medium manufacturing Retail and hospitality operations Construction (select classes) Transportation and logistics Healthcare facilities (non-hospital) U.S. Risk generally looks for groups with five or more employees. Accounts with documented safety programs, regular training, and strong loss-control practices are more likely to receive favorable terms. Coverage Highlights and Advantages The Occupational Accident/Non-Subscriber program includes core indemnity and medical benefits along with value-added services to improve outcomes and manage costs: Travel assistance services for work-related travel Identity management services for injured employees Discount prescription (RX) program Medical travel assistance for specialized care Optional dividend-eligible policy structures for qualifying accounts These features can help you present a more comprehensive solution to clients who want to protect workers while retaining control of claims and return-to-work programs outside of a statutory system. Underwriting Notes and Minimum Premiums Each risk is underwritten on its own merits. Underwriters evaluate industry class, payroll, loss and claims history, safety controls, and the employer’s return-to-work practices when structuring coverage and pricing. The program typically requires five or more employees for eligibility. Because U.S. Risk works with multiple markets, brokers can collaborate with the underwriting team to explore different coverage structures and optional enhancements that align with client objectives. Territories and Availability This program is available in most U.S. states, including Texas, where non-subscription is common. U.S. Risk writes Occupational Accident/Non-Subscriber Insurance in the following states: 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, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Markets are generally accessed on a non-admitted basis to allow greater flexibility in coverage design and pricing. Why Work With U.S. Risk U.S. Risk brings decades of E&S experience and a dedicated occupational accident underwriting team. They are known for responsive service, pragmatic underwriting, and the ability to place complex or niche commercial risks quickly. That market access and underwriting expertise can make the difference when standard admitted markets are unavailable or inflexible. Example scenarios that fit well with this program: A regional logistics firm based in Texas that prefers to manage claims internally but needs a structured occupational accident policy for drivers and warehouse staff. A growing manufacturer operating across several states that requires consistent occupational accident coverage for employees working on customer sites. To learn more or submit a risk, contact Patricia Haas at 800-232-5830. Frequently Asked Questions What types of accounts are a good fit for this program? This program is designed for non-subscriber employers in industries such as manufacturing, retail, logistics, and certain construction classes—particularly in states where non-subscription is common. What is the minimum number of employees required? The program typically requires a minimum of five employees for eligibility. Is this program available outside of Texas? Yes. While Texas is a key market for non-subscriber solutions, U.S. Risk offers this program in most U.S. states. What value-added services are included with the coverage? Value-added services may include travel assistance, identity management, prescription discounts, and medical travel support to help manage costs and improve employee outcomes. Can clients earn dividends on their policy? Yes. Certain policy structures are dividend-eligible depending on the program and underwriting results. Need help placing an account? Connect with a market specialist.

Workers Compensation Insurance for paving contractors is often costly because the work is high-risk. Crews face hazards such as burns from hot asphalt, chemical and fume exposure, respiratory irritation from smoke, and physical injuries like back strains, sprains, or hernias from lifting and equipment operation. Even well-managed paving businesses can have severe or frequent claims, so placing the right workers’ comp program is essential to protect your clients and control long-term costs. Novatae Risk Group, in partnership with Empire Underwriters, leverages more than 30 years of experience helping agents and brokers place tailored Workers Compensation solutions for paving contractors. We combine underwriting expertise for high-hazard classes with access to multiple carrier options so you can find terms for accounts that are difficult to place in standard markets. Ideal Accounts and Appetite: Experience MOD of 1.30 or higher High-hazard or difficult class codes (paving, asphalt, surface prep) Blue-, gray-, and white-collar workforces Accounts currently in state pools or assigned risk funds Distressed, lapsed, or canceled policies New ventures with no prior coverage Multi-state operations and accounts with out-of-state exposures Hard-to-place workers compensation risks requiring specialty markets This program is built for accounts other carriers may decline or price aggressively — including contractors with prior claims, complex payroll mixes, or multi-jurisdictional exposures. If you have an insured that has been assigned to a state fund, is new to the trade, or has an elevated MOD, this program is designed to provide practical placement options. Coverage Highlights and Advantages: Fast turnaround on submissions to keep placement timelines tight Access to many "A" rated carriers and surplus markets (varies by state) Stand-alone workers compensation policies and integrated work comp solutions Guaranteed cost programs as well as dividend and retrospective (retro) plans High-deductible and large-loss financing options Custom account handling and flexible underwriting for qualified risks Underwriting Requirements and Minimum Premium: Completed ACORD 130 application 3–4 years of loss runs Detailed explanations and documentation for any large or recurring losses Completed supplemental questionnaire when requested Minimum premium starts at $10,000. Underwriting flexibility is available for certain qualified accounts; submit complete information to get the most favorable consideration. Territories and Availability: This program is available in most states. Representative availability includes 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. Multi-state exposures are handled regularly — provide jurisdictional payroll details with submissions. Why Work With Novatae Risk Group: As a Managing General Underwriter and Excess & Surplus Lines broker, Novatae Risk Group offers deep market access and specialty underwriting for challenging workers compensation placements. Our relationship with Empire Underwriters gives you direct pathways to a variety of admitted and non-admitted carriers. We focus on practical placement, responsive underwriting, and account-level flexibility that helps you keep business with your clients. Need a Workers Compensation Insurance quote for a paving contractor client? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Example accounts that typically fit this program: A regional paving contractor with a MOD of 1.45, multi-state payroll, and several prior medical-only claims seeking alternatives to the assigned risk pool. A start-up asphalt surfacing business with limited loss history and mixed class codes needing stand-alone workers comp coverage and flexible payroll handling. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?Paving contractors with elevated MODs, hard-to-place class codes, prior losses, multi-state operations, or those currently in assigned risk pools. New ventures are also considered when documentation is provided. Can I submit accounts with lapsed or canceled coverage?Yes. Distressed accounts, including those with lapsed or canceled policies, are within the program’s appetite when underwriting requirements are met and loss explanations are provided. What documents are required to get a quote?Provide a completed ACORD 130, 3–4 years of loss runs, details and reserves for any large losses, and a completed supplemental questionnaire if requested by underwriting. Is this program available in all states?The program is available in most states, including major paving markets such as CA, TX, FL, NY, and IL. We routinely handle multi-state exposures; list all jurisdictions on the submission. What is the minimum premium for eligible accounts?The minimum premium requirement is $10,000. Final pricing depends on payroll, loss history, class mix, and underwriting evaluation. Need help placing an account? Connect with a market specialist.

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