Driving schools face a unique set of risks, especially when instructors are on the road with students. Novatae Risk Group offers a specialized Driving School Workers Compensation Insurance program designed to meet the needs of driving schools of all sizes and types—from those teaching new teen drivers to operations focused on commercial trucking instruction.
As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae connects agents and brokers with competitive Workers Compensation solutions across a wide range of markets. Whether your client runs a small independent driving school or a multi-location commercial training facility, Novatae can help you place this business efficiently and effectively.
Ideal Accounts and Appetite:
- Private driving instruction schools (teen and adult education)
- Commercial driver training programs (CDL schools)
- Fleet driver training programs
- Accounts with clean to moderate loss history
You might have a client with a small fleet of training vehicles and four instructor employees. Or perhaps a regional trucking school expanding into new states. Novatae is equipped to evaluate and quote these types of placements quickly with the right underwriting information.
Coverage Highlights and Advantages:
- Minimum premium starting at $7,500
- 10% commission for appointed producers
- Fast turnaround on quotes with completed submissions
- Markets available in over 20 states
- Access to both admitted and non-admitted markets, depending on risk
This program ensures employees are protected for injuries sustained during driving lessons, in-vehicle training, or while performing duties on behalf of the business. Prompt claims handling and tailored coverage help your clients stay compliant and protected.
Submission Requirements:
- Completed Acord 130 application
- Three years of currently valued loss runs
- Supplemental questionnaire
- Details on any large losses, if applicable
Having a complete and accurate submission helps speed up the quoting process and improves placement success.
Territories and Availability:
This program is currently 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 availability may vary by state and risk profile.
Why Work With Novatae Risk Group?
Novatae brings deep underwriting expertise and market access to niche industries like driving schools. Their dedicated brokers understand the exposures and regulatory environment that impact these businesses, allowing you to deliver tailored solutions to your clients. With responsive service, a strong carrier network, and flexible underwriting, Novatae makes it easy for agents and brokers to write and retain Workers Compensation business in the transportation education sector.
To discuss a Driving School Workers Compensation account, contact us at 800-758-8113 and speak with one of our experienced brokers today.
Send submissions to [email protected] or call 800-758-8113 to speak to an underwriter immediately.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for private or commercial driving schools, including those offering CDL instruction or fleet driver training. Accounts with stable operations and moderate loss histories are preferred.
What states is this program available in?
Coverage is available in over 20 states including CA, FL, TX, NY, GA, and more. Check with Novatae for specific state eligibility.
What is the minimum premium for this Workers Compensation program?
The program starts at a minimum premium of $7,500, depending on the risk profile and underwriting review.
What documents are required to submit an account?
Submissions should include a completed Acord 130, three years of loss runs, a supplemental questionnaire, and details on any large losses.
How quickly can I expect a quote?
Novatae provides fast turnaround times for complete submissions. Response times may vary based on the complexity of the account.
Need help placing an account? Connect with a market specialist.