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Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

https://novatae.com/midatlantic-insurance-group

Mid Atlantic Insurance Group, LLC, 1912 E Broad Street, Richmond, VA (2026)

04/28/2025

Spotlight Coverage Solutions for Businesses of all Types

Check out our Novatae Hit List, where we feature recently bound policies for all types of businesses across the country. Make sure your clients are fully covered, no matter the size of their business, what project they’re working on, or where the job site is located.

Do you see any of your clients on this Hit List?! 👀

Submit to [email protected] or submit through your Appulate portal at https://lnkd.in/dMjvMxY .

04/28/2025

Workers’ Compensation for Temporary Staffing Firms

This program, with an A+ (Superior) credit rating by A.M. Best, leverages workers’ compensation expertise to develop both product and service offerings specific to the needs of temporary staffing employers who operate in the industries including, but not limited to:

• Healthcare & Medical

• Light Industrial & Manufacturing

• Office, Sales & Clerical

• Service

• Technology

• Wholesale & Retail

• Skilled Trade & Construction

PROGRAM ELIGIBILITY

The following minimum reservation requirements must be met:

$50,000 minimum premium, or $30,000 minimum premium for medical, IT, clerical or any mix of the three

Established business, 3+ years

Currently promulgated experience modification factor

No more than 25% of operations in transportation class codes

SUBMISSION REQUIREMENTS

Minimum Reservation Requirements

Complete Acord Application

Loss Runs - minimum 3 years of historical loss runs plus the current term valued within 120 days

Complete Temporary Staffing Supplemental Application

Prior to quoting, underwriting will also require the following:

3-5 years of verified payroll history (experience modification worksheets or

prior carrier audits)

Last 4 quarters of 941s for each named insured

Completed Class Code Referral Form for restricted code clients

Ineligible Risk includes: Day Laborers; Employee Leasing: Construction class codes in the state of California

PROGRAM HIGHLIGHTS

Risk management

Streaming video library, self-led training modules and printed resources

Safety program development and written program samples

Facility safety inspections, hazard identifications and accident investigations

Flexible Payment Options

Pay-as-go-solution for fluctuating payrolls and cash-flow management

Multiple installment options available

Online payment and auto-pay are available

TeleMed Solutions

Connect injured workers to an emergency trained physician within minutes

Quick and accurate claim reporting

Considerable cost savings compared to traditional emergency care facilities

Submit to [email protected] or submit through your Appulate portal at https://lnkd.in/dMjvMxY

04/25/2025

CNA Life Sciences Insurance Solutions

Earn up to 17% Commission*

Life sciences companies face complex challenges that require extensive industry knowledge, valuable insight and customized coverage. Whether an organization specializes in clinical research and development, or manufacturers medical devices and pharmaceuticals, we have a suite of coverages to meet their needs.

Novatae wants your life sciences accounts! We have AM Best A+ admitted markets that can insure all your needs for life science risks.

Target classes:

Biological, medical device and pharmaceutical research and development

Biological/tissue products manufacturing and/or distribution

Contract medical device and pharmaceutical manufacturing

Contract research organization

Laboratories – research, development/testing – excluding medical, dental, x-ray

Medical Dental and Laboratory equipment distributor

Medical dental hospital/surgical equipment/supplies manufacturing – expendable – excluding drugs

Pharmaceuticals, nutraceutical & vitamin manufacturing and/or distribution

Lines of Business:

BOP

Commercial Package Policy

Products and Professional Liability (admitted and surplus lines)

Cyber

Auto

WC

Umbrella

Coverage Highlights:

Punitive Damages

Automatic separation of insured language included in the policy

Mitigation expenses, class 1 recall and clinical trial medical expenses included

Includes blanket clinical trials coverage

Submission Requirements:

Fully Completed Acord Applications

4 Year Currently Valued Loss Runs

Send us your submissions today!

04/07/2025

Insurance Solutions for Your Pest Control Industry Clients

Discover How We Can Help Today!

Pest control operators help keep unhealthy little critters out of people’s lives.

We’re here to help keep their business healthy with our insurance offerings.

HIGHLIGHTS

· All available states are admitted

· Job site pollution - up to policy limits

· Transit pollution up to policy limits

· Care, custody, and control

· GL and property enhancements available

COVERAGES

· General liability

· Excess liability-Catastrophic losses can cost more than the typical policy limit

· Property- Building and business personal property

· Inland marine: Termite rig, Lawn care equipment and Tools and equipment

· Professional liability- Coverage for your employees is included at no additional cost with your general liability policy

Coverage enhancements

· Limited mold coverage available

· Inspection for termites, wood -

· destroying insects and organisms - up to policy limits with unlimited tail

· Fumigation coverage available

· Medical payments – increased limits

· Fire legal liability – increased limits

· Blanket additional insured, including completed ops, waiver of subrogation, per project aggregate, and primary noncontributory

· Business income

· Tools and equipment – under $2,500

Target Classes

· General pest control spraying

· Lawn spraying

· Mosquito spraying / misting

· Structural fumigation

· Termite operators

· Termite / WDI-O inspectors

· Wildlife and critter control

Ineligible classes

· Crop spraying

· Home inspectors

· Heat treatment

· Snow and ice removal

·

Risk management and loss control

· Access to safety guides and risk management tips

· Access to safety guides and risk management tips

· Discounted background checks, online driver education courses, and online program training courses

Minimum premium

· $450 - $850

Capacity

· Up to $2m occurrence/$4m aggregate on primary

· Up to $5m via excess

State availability

Eligible in all states except Alabama, Alaska, and Hawaii

Related coverages

· Lawn care

· Janitorial services

· Workers’ compensation

Submit to [email protected] or submit through your Appulate portal at https://lnkd.in/dMjvMxY .

At Novatae, we understand insurance is a relationship business, so if you are already working with a Novatae office, please reach out to them for details.

03/27/2025

Tailored Workers’ Comp Solutions for the Specialty Construction Industry

Discover How We Can Help Today!

INDUSTRY APPETITE

Leveraging workers compensation expertise to develop both product and service offerings specific to the needs of commercial & industrial contractors who operate in industries including, but not limited to:

Bridge Contractors
Concrete Construction
Iron or Steel Fabrication & Er****on
Industrial Painting
Machinery Er****on
Masonry
Mobile Crane & Hoisting
Pile Driving
Pipeline, Sewer & Gas Main Construction
Plumbing, Electrical & HVAC
Street & Road Construction
Scaffolding Contractors
Site Prep & Excavation
Telephone & Powerline Construction
Welding & Cutting

PROGRAM ELIGIBILITY

The following requirements must be met:

No minimum premium
In business and have had continuous workers’ compensation coverage for a minimum of three complete years
Sound and viable financial condition, as determined by financial statements and/or credit review
Comprehensive safety program promoting safe work culture
No E-mod restrictions

SUBMISSION REQUIREMENTS

The following minimum reservation requirements must be met:

Complete Acord Application

Loss Runs - minimum 3 years of historical loss runs plus the current term valued within 120 days

Reach out today to discuss how Novatae can help you insure your commercial & industrial contractor clients.

͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌

Submit submissions to [email protected] or through your Appulate portal at https://midatlantic.appulate.com/signin .

͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏ ‌ ͏

03/27/2025

Trouble Placing Contractors, Framers, Home Builders, or Other Trade Risks?

Do you have any Contractor, Framer, Home Building or Trade Contractor risks including Concrete or Masonry accounts you are having trouble placing? Send us your commercial and residential General Contractors. We can consider new ventures with experience and up to 100% subcontractors on admitted paper!

Novatae has multiple competitive "A" General Liability Rated carriers that can really give you a competitive edge in writing these accounts. Whether it’s new construction, tract or condo work, prior losses, or any other challenges, we have the markets and programs to quote and bind this business.

COVERAGE HIGHLIGHTS
• Fast Quotes
• Multiple “A” Rated Carriers
• Admitted and Non-Admitted
• General Liability Limit: Up to $2 Mil
• Blanket AI Included*
• Blanket WOS per written contract
• Cancelled / Lapsed Welcome
• New Ventures Welcome
• Completed Ops Endorsement
• Condo Work with Buy-back Okay
• Tough Classes Welcome
• Multi-State Welcome
• CG20101185 Equivalent

*Ongoing/completed operations per written contract

LINES OF BUSINESS
• General Liability
• Property
• Crime
• Inland Marine
• Auto
• Workers Comp
• Umbrella

TARGET CLASSES
• Paper General Contractors
• Excavation
• Commercial Contractors
• Concrete & Masonry
• Drywall
• Electricians
• Insulation
• Foundation Contractors
• Plumbing
• Framing & Carpentry
• Handyman
• General Contractors
• Tile
• HVAC
• Heavy Construction
• Home Builders
• Landscaping
• Electrical
• Painters
• Grading
• Siding
• Pool Contractors
• Roofers
• Steel or Iron Work
• Tract Home Builders

SUBMISSION REQUIREMENTS
• Acord 125 & 126
• Contractors Supplemental
• Loss Runs Upon Binding

COMMISSION 10%

STATES
NC, SC, VA, MD, DC, MS, TN, DE

We have 11 "A" rated carriers to provide Workers’ Comp for your Contractors as well.

Submit submissions to [email protected] or through your Appulate portal at https://midatlantic.appulate.com/signin .

10/03/2024

A++ Worker’s Comp for Security Guards

Security guards provide a valuable service. These people put themselves on the line every day. They need protection and peace of mind. That’s why it’s important to provide them with the best possible workers’ compensation coverage available.

PROGRAM DETAILS:

Secured Coverage - Provided by National Liability and Fire Insurance Company rated AA+ “Superior” by A.M. BEST.

Broad Scope - Available in 50 states. “New in Business” operations and debit mods are considered.

Expert Service - Novatae’s experienced underwriting team understands the unique insurance needs of the security guard industry.

Quick & Easy Quote/Bind - Novatae makes the submission process seamless and offers same-day coverage for most submissions.

Competitive Pricing - Premium discounts are available.

Loss Control Resourcing & 24/7 Claims Reporting

FOCUS CLASSES:

Armed/Unarmed security guards hired to protect the following businesses:

Banks and Other Financial Institutions

Condo & Homeowner Associations/Gated Communities (high-end)

Events (low-hazard such as weddings, meetings, etc.)

Hotels

Museums

Office Buildings

Retail Stores (inside surveillance in low crime areas)

Theaters

and More!

INELIGIBLE EXPOSURES:

Not interested in new venture Armed guards, but can consider new venture Unarmed

Following operations / services are declines (both Armed and Unarmed):

Private Investigation

Es**rt / Bodyguard

Strike / Picket Lines

Fast Food Restaurants

Liquor establishments (bars, restaurants, clubs)

Sporting / Concert events

Traffic Control

Low Income housing

ATM or Armored Car services

Nuclear Power Plants

Oil & Gas Sites

Ma*****na related operations

Apprehending or Detaining Suspects

Correctional Facilities

Reach out today to discuss how Novatae can help you insure your security guard clients

Submit to [email protected] or submit through your Appulate portal at https://lnkd.in/dMjvMxY .

At Novatae, we understand insurance is a relationship business, so if you are already working with a Novatae office, please reach out to them for details.

06/21/2024

Coverage for New Ventures

No Minimum Premium

That’s right. Novatae offers policies for businesses just getting started with no minimum premium. Contact your Novatae agent and get your new venture clients the coverage they need.

PROGRAM DETAILS:

• New Ventures Accepted with Experience

• No Minimum Premium

• All Lines of Business Considered

• Additional Insured and Completed Operations Coverage Available

• Blanket Waiver of Subrogation Coverage Available

FOCUS CLASSES:

• Carpentry

• Electrical

• Painting

• Cable Installation

• Excavation

• Paving

• Concrete Work

• Fencing

• Plumbing

• Countertop Installation

• Flooring Installation

• Fiber Optics Installation

• Drywall

• Garage Door Installation

• Septic Tank Installation

• Door & Window Installation

• Gutter Installation

• Septic Tank Servicing

• Driveway

• HVAC Contractor

• Water Well Drilling

• Landscaping

• Janitorial

• Window Installation

• Masonry

• Siding Installation

• Lawn Care

• Tile/Stonework

• Sign Er****on

• Metal Er****on - Decorative

• Water & Sewer Main

• Handyman

• Home Building & Remodeling

Reach out today to discuss how Novatae can help you with your new venture clients. We will look at everything.

Submit to [email protected] or submit through your Appulate portal at https://lnkd.in/dMjvMxY .

At Novatae, we understand insurance is a relationship business, so if you are already working with a Novatae office, please reach out to them for details.

06/13/2024

AIG Private Client Group
Underwriting for High and Ultra High Net Worth Individuals

AIG’s approach to underwriting is centered around a thorough evaluation of risk and client exposure, ensuring that your client receives coverage that not only meets but exceeds their expectations. To provide you with a clearer understanding of AIG’s ideal account criteria, here are the characteristics they look for:

MINIMUM COVERAGE REQUIREMENTS:
• $1,500,000 Minimum Coverage A for Homes or Dwellings or 3500 sq. ft.*
• $500,000 Minimum Coverage C for Tenants/Condos
• Secondary Homes are Except from Minimum A or C Requirements*

ALARM REUIREMENTS:
• Central Reporting Alarms are Strongly Recommended*
• Fire Sprinkler Activation Alarm Required for all Homes with Sprinklers*

PROPERTY SPECIFICATIONS:
• Properties should be built or substantially updated in the prior 20 years
• Elevation Certificate Required in Flood Zone A & V*
• Roofs should be 20 Years or Newer*

LOSS EXPERIENCE:
• Risks with 2 or more losses in the last 3 years may not be eligible!
• Risks with one or more prior water losses in the last 5 years may not be eligible~

*Additional restrictions may apply
~Contact your Novatae agent for details

Partnering with AIG Private Client Group with Novatae means gaining access to comprehensive insurance solutions tailored to protect your client’s high-value properties effectively. Their dedicated team is committed to providing you with unparalleled service and support to ensure your peace of mind.

Reach out to us today to discuss how we can customize a coverage plan that aligns perfectly with your unique needs and exceeds your expectations.

Submit to [email protected] or submit through your Appulate portal at https://lnkd.in/dMjvMxY .

At Novatae, we understand insurance is a relationship business, so if you are already working with a Novatae office, please reach out to them for details.

06/06/2024

Spotlight Coverage Solutions for Businesses of all Types

Check out our Novatae Hit List, where we feature recently bound policies for all types of businesses across the country. Make sure your clients are fully covered, no matter the size of their business, what project they’re working on, or where the job site is located.

Do you see any of your clients on this Hit List?! 👀

Submit to [email protected] or submit through your Appulate portal at https://lnkd.in/dMjvMxY .

At Novatae, we understand insurance is a relationship business, so if you are already working with a Novatae office, please reach out to them for details.

05/07/2024

Narraganset Bay: Important Announcement

Personal lines insurance carrier, Narraganset Bay, shares important updates to coverage requirements, ineligible risks, state coverage and more.

COVERAGE REQUIREMENTS:

Coverage A minimum between 250K-300K

Roof Eligibility:Wood and Metal Roofs must be 30 years or younger

Asphalt/Fiberglass Shingles must be 20 years or younger

Writes Protection Class 1-9

STATES:

Currently open for new business in: RI, MA, NJ, MD, DE, CT, VA

Not writing in VA Beach currently

IMPORTANT UPDATES:

Even though NBIC does not offer auto at this time, we can obtain a 5% discount if we write the auto policy in-house.

Can schedule personal property on the homeowners policy.

Can endorse the policy to include an umbrella.

Equipment Breakdown included on all policy forms.

Can write a monoline secondary home.

INELIGIBLE RISKS:

Protection Class 10

Risks with any open claims

Lapse in coverage, currently not insured, non-pay cancellation or had been non-renewed

Any liability paid claim in the past 5 years

04/26/2024

Get Your Manufacturing Classes Covered!

The standard market is covering less in the manufacturing world, but we can help you get excess and surplus market access for your clients. Whether they specialize in the development, manufacturing, and/or distribution of consumer goods, machinery, or even pharmaceuticals, our team will tailor a program that covers everything from inland marine and equipment breakdown to product and professional liability. You can count on our expertise in this ever-evolving industry.

MANUFACTURING CLASSES:

Auto Parts & Accessories

Concrete or Plaster Products

Craft Breweries

Door & Window

Machinery Parts

Paper Goods

Printing

Sheet Metal Work

Tools & Accessories

Electrical Parts & Components

Food & Beverage

Machine Shops

Machinery

Metal Goods

Plastic Products

Pumps & Compressors

Stone & Stone Products

Wood Products

Requirements:

Minimum 3 Years in Business

3 Year Loss History

30-45 Day Lead Time

$30K Minimum Premium for All Lines

If you have any questions please email [email protected] or call 888-232-2509.

Mid Atlantic Insurance Group, LLC

04/28/2025

04/28/2025

04/25/2025

04/07/2025

03/27/2025

03/27/2025

10/03/2024

06/21/2024

06/13/2024

06/06/2024

05/07/2024

04/26/2024

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Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm