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FLSA (Fair Labor Standards Act) Wage and Hour Sub Limit Brown & Riding p...e workforce, payroll practices, prior wage-and-hour claims, and the insured’s ...

...for potential sexual harassment or wage & hour claims. Coverage Highlights a...sizes and needs. Can coverage include wage and hour claims?Yes, our EPLI program can include wage and hour coverage, subject to under...

Overview of the Program From PMC Insurance Group PMC Insurance Group writes Carpentry Workers Compensation Insurance with programs that can begin as low as $2,000. This wholesale-broker program is designed for agents and brokers placing artisan and carpentry exposures across a broad range of classes. Carriers and terms vary by risk and state, and PMC provides underwriting access and placement support for eligible accounts. Ideal Accounts and Appetite Small to mid-sized carpentry and finish-trade contractors Typical classes: Carpentry, Framers, Flooring, Cabinetry, Drywall & Wallboard Installation, Painting and Paper Hanging, Interior Painting (residential & commercial) Artisan contractors with at least 1 full-time employee and a minimum payroll of $25,000 Accounts with elevated experience modification factors (high mods) are considered — underwriting review required Coverage Highlights and Advantages Workers compensation capacity for a wide set of carpentry and interior-trade classes Multiple carrier options — PMC works with varying markets to secure competitive terms Pay-as-you-go premium payment solutions available to help insureds manage cash flow and audit exposure Program suitable for both residential and light commercial interior work Underwriting Notes and Submission Requirements Underwriters typically look for clear payroll documentation and recent loss history. Key program qualifiers and restrictions: Qualification: minimum of 1 full-time employee and at least $25,000 in payroll Starting premium: policies can be written starting at $2,000; final minimum premium varies by carrier and state Ineligible risks: work with height exposures over two stories and roofing risks are not accepted High experience mods are accepted on a case-by-case basis — provide loss history and explanatory notes Required submission items: Completed ACORD application 3–5 years of loss runs Experience Mod (Mod) sheet Example Accounts That Fit This Program A cabinetry contractor with $40,000 payroll, primarily performing residential installations and light commercial millwork — lower height exposures, steady loss history. An interior finishing crew specializing in drywall and painting for multi-unit residential projects (under two stories) with a recent high mod — underwriting review for acceptance with tailored terms and pay-as-you-go available. Territories and Availability Availability: All Available States. This program currently writes accounts in the following jurisdictions: AL, 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, ND, OH, OK, OR, PA, RI, SC, TN, TX, UT, VT, VA, WA, DC, WV, WI. Final placement and admitted/non-admitted options depend on carrier appetite and state rules. Why Work With PMC Insurance Group on Carpentry Workers Compensation Wholesale broker placement expertise across multiple carriers for carpentry and artisan trades Flexible solutions for small contractors, including pay-as-you-go and consideration of higher-mod accounts Clear submission requirements that speed underwriting decisions when provided in full Access to markets that understand construction-aligned exposures and payroll dynamics for interior trades For more information about this Carpentry Workers Compensation Insurance program and placement options, please visit pmcinsurance.com or submit the required underwriting documentation through your usual wholesale channel. Frequently Asked Questions What types of carpentry exposures does PMC accept?PMC accepts a broad range of interior carpentry and finish-trade classes including carpentry, flooring, framers, cabinetry, drywall & wallboard installation, and painting. Roofing and work over two-story height exposures are not eligible. What are the minimum qualifications to submit an account?Accounts generally need at least one full-time employee and a minimum payroll of $25,000. Provide a completed ACORD, 3–5 years of loss runs, and the current Mod sheet for best consideration. Can accounts with high experience modification factors be placed?Yes. High-mod accounts are considered on a case-by-case basis. Include loss runs and any risk-control measures taken to improve underwriting outcomes. Are pay-as-you-go options available?Yes. PMC offers pay-as-you-go premium payment solutions through participating carriers to help insureds manage cash flow and reduce audit volatility. Which states and carriers are available?The program is available in all listed states (see storefront for full list). Carriers vary by state and risk profile; final admitted/non-admitted placement depends on carrier appetite and regulatory requirements. Need help placing an account? Connect with a market specialist.

...ds coverage for discrimination and wage disputes. This program is designed to ... trustees, and committee members. Are wage and hour claims covered?Yes, wage and hour (FLSA) coverage is availab...

...rotection for partner disputes and wage & hour exposures. Or an employment law...overage Highlights and Advantages Wage & hour defense sublimit Fair ...

...p to $2,000 reimbursement for lost wages due to time off work Coverage for c...reimbursement for legal defense, lost wages, and administrative costs associat...

...1,000,000 expense/limit framework, wage-and-hour sublimits, workplace incident...,000,000 with a $100,000 sublimit for wage-and-hour exposures and a $100,000 w...

... Fair Labor Standards Act (FLSA) wage and hour claims – $100,000 sub-limit ...t, retaliation, wrongful termination, wage and hour claims (with sub-limits), ...

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.

Novatae Risk Group offers a focused workers compensation program designed for drywall contractors who need reliable coverage and fast service. Drywall businesses — whether focused on residential remodels, new home construction, or commercial interiors — face consistent on-the-job exposures such as falls, repetitive strain, scaffolding incidents, and jobsite property damage. This program is structured to help agents place accounts where quality underwriting and market access matter. Novatae partners with A-rated and specialty markets to deliver comprehensive workers compensation solutions. Our underwriting team emphasizes quick turnaround on submissions and practical, field-tested coverage options so your clients spend less time handling risk and more time on the job. Program Features Minimum premium: $7,500 Available through admitted and non-admitted markets where necessary Program available in over 20 states (see Territories below) Ideal Accounts and Appetite Small to mid-sized drywall contractors and subcontractors Companies performing residential finish work, interior commercial drywall, and tenant improvements Accounts with organized payroll reporting, formal safety practices, and routine use of fall protection Not a good fit: accounts with extensive high-hazard exposures beyond typical drywall operations (e.g., blasting, structural steel erection), multiple, recent large claims without mitigation, or contractors with significant uninsured subcontractor use. Coverage Highlights and Advantages Workers compensation coverage tailored to drywall trades and related classifications Access to both admitted and excess & surplus markets for flexible placement options Underwriting focused on fast quote turnaround when a completed application is provided Dedicated underwriting for drywall contractors — streamlined review of loss history and payroll composition Underwriting Notes and Submission Requirements Required: ACORD 130 application Required: Last 3 years of loss runs Required: Supplemental questionnaire (trade-specific underwriting form) Required: Details on any large or recent losses Minimum premium threshold: $7,500 — tiered quoting available above this level Provide completed submissions to receive the fastest turnaround. Clear documentation of safety programs, payroll breakouts by classification, and any safety training will help secure more favorable terms. Territories and Availability 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, WV. Coverage may be placed in admitted or non-admitted markets depending on state availability and account characteristics. Why Place Drywall Business with Novatae Risk Group? Specialized underwriting knowledge of drywall trades and common jobsite exposures Access to multiple markets — including A-rated carriers and E&S capacity — to find the best fit Fast, practical quoting process when submissions are complete Responsive underwriting team that works with agents to clarify exposures and loss details Example accounts that fit well: A 12-employee drywall subcontractor that installs drywall and tape/finish for residential developments, with documented safety training and modest loss history. A commercial interiors contractor doing tenant improvements for retail and office spaces, seeking a workers comp placement that can handle mixed payroll and occasional subcontractors. Do you need a Workers Compensation Insurance quote for your drywall contractor 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 drywall accounts are a good fit for this program?This program targets small to mid-sized drywall contractors performing residential finish work, commercial interiors, and tenant improvements. Accounts with documented safety programs, clear payroll breakouts, and stable loss histories are the best fit. Which states are supported and is coverage admitted?Coverage is available in the listed states and can be placed in admitted or non-admitted markets depending on state rules and the specific account. Availability varies by carrier; submit the complete package for a definitive response. What do you need to submit for a fast quote?Submit a completed ACORD 130, three years of loss runs, the supplemental questionnaire, and details on any large losses. Complete submissions receive the quickest underwriting turnaround. Are larger or higher-risk drywall contractors eligible?Some larger accounts may be eligible, but they are evaluated case-by-case. Significant recent losses, high-hazard operations beyond typical drywall work, or heavy uninsured subcontractor usage can limit placement options. Need help placing an account? Connect with a market specialist.