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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.

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.

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