Standalone Workers Comp Insurance for Mainstreet Classes
Novatae Risk Group offers a competitive, flexible Standalone Workers Compensation program tailored for mainstreet businesses. With broad carrier access and an appetite for more than 1,000 class codes, this program gives agents placement options for hard-to-place accounts and for clients who need standalone workers' compensation coverage across many industries.
Ideal Accounts and Appetite
This program targets a wide range of low- to medium-hazard classes. Whether you represent contractors, healthcare service providers, manufacturers, or retail businesses, Novatae can support your clients’ workers compensation needs. Example classes include:
- In-home nursing and assisted living facilities
- Contractors such as HVAC, electrical, and excavation
- Auto service and body repair shops
- Restaurants, retail grocery stores, and theaters
- Warehouse and wholesale operations
You might have a client with a small landscaping firm or a regional trucking operation — both could be a strong fit for this program depending on loss history and payroll size.
Program Features
- Minimum premium of $7,500
- Over 1,000 eligible class codes
- 10% commission offered to producers
- Fast quote turnaround once a complete application is submitted
- Coverage available in more than 20 states
Submission Requirements
- Completed ACORD 130 application
- Three years of currently valued loss runs
- Supplemental questionnaire (if applicable)
- Details on any large losses
Sampling of Classes
- Agriculture
- Alarms & Sound
- Assisted Living
- Auto Body
- Auto Service
- Barbers
- Cabinet Makers
- Carpenters
- Clubs
- Contractors
- Country Clubs - Golf
- Driver Training
- Electrical Mfg.
- Electrical Contractors
- Excavation
- Furniture Mfg.
- Furniture Upholstering
- Hardware Mfg.
- HVAC Contractors
- Hotel
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- In-Home Care, Nursing
- Landscape Contractor
- Machine Facilities
- Manufacturers
- Mineral Milling
- Non-Emergency AMBU
- Office Machine Install
- Oil & Gas Production
- Oil Refining
- Para Transit
- Plumber
- Residential Care Facility
- Restaurant
- Retail Grocery Store
- Theaters
- Tool Mfg.
- Trucker & Transportation
- Wallboard Install
- Warehouse Workers
- Wholesale Hardware
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Territories and Market Access
This program is available in over 45 states, including major markets such as CA, FL, TX, NY, and IL. Novatae leverages broad carrier access to place business in both admitted and non-admitted markets depending on state requirements and class specifics.
Why Work With Novatae Risk Group
As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group provides responsive underwriting, broad market access, and experience placing complex or underserved classes. Agents benefit from fast turnarounds, a wide appetite, and support when standard markets are constrained.
Do you need a Workers Compensation Insurance Quote?
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 accounts are a good fit for this program?
This program is designed for mainstreet businesses such as contractors, assisted living and residential care facilities, auto repair shops, restaurants, and retail stores. It accommodates more than 1,000 class codes.
What are the submission requirements for a quote?
Submit a completed ACORD 130, three years of currently valued loss runs, any applicable supplemental questionnaires, and details on significant losses.
Is this program available in my state?
The program is available in over 45 states, including CA, FL, TX, NY, and others. Contact Novatae to confirm availability for a particular risk and state.
How quickly can I expect a quote?
Novatae aims for fast turnaround once a complete submission is received. In many cases, quotes are provided within a few business days.
Are both admitted and non-admitted markets used?
Yes. Novatae places business in admitted and non-admitted markets depending on the class, state, and availability.
Need help placing an account? Connect with a market specialist.