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.