Overview — Workers Compensation Insurance for Maid Services
Novatae Risk Group offers a dedicated workers compensation program tailored for maid and cleaning services — including house cleaning, laundry, carpet cleaning, and similar operations. Cleaning businesses face frequent employee exposures and occasional third-party property damage; appropriate workers comp coverages help control the financial impact of workplace injuries and keep clients' operations stable. This program combines underwriting flexibility with access to admitted and non-admitted markets to place hard-to-bind accounts.
Novatae Risk Group leverages deep experience placing workers compensation for the maid industry. We support agents with quick turnarounds, multiple carrier options (varies by state), and tailored account handling for complex or multi-state exposures. Submit your Workers Compensation Insurance for Maid Services submissions and let us demonstrate solutions for tough classes, high hazard accounts, and new ventures.
Appetite:
- MOD 1.30 or greater
- High-hazard or difficult classes
- Blue-, gray- and white-collar accounts
- Accounts currently in state pools or funds
- Distressed, lapsed, cancelled, or non-renewed accounts
- New ventures are acceptable
- Multi-state exposure is a specialty
- Hard-to-place workers compensation risks
Program Features:
- Quick turnaround on submissions
- Access to many "A"-rated carriers (varies by state)
- Stand-alone workers compensation placement
- Guaranteed-cost options and integrated work comp solutions
- Dividend and retrospective (retro) plans
- High-deductible programs and alternative funding
- Custom account handling and claims coordination
Requirements:
- ACORD 130
- 3–4 years of loss runs
- Details on any large claims or subrogation issues
- Completed supplemental questionnaire (when requested)
Underwriting Notes and Minimum Premiums
Underwriting focuses on exposure management: payroll mix by class code, employee training, safety programs, and loss trends. Large or recent losses should be explained in detail and any corrective actions documented. The program typically requires a minimum premium; the current program minimum is $10,000, though final placement depends on carrier appetite and state rules.
Territories and Market Positioning
Availability: All Available Markets. We place business across many admitted and non-admitted markets; carriers vary by state. The program is available in the following states and territories: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, WI. For multi-state exposures we can coordinate quotes and binding across territories.
Why Work With Novatae Risk Group
As a Managing General Underwriter and Excess & Surplus Lines broker, Novatae Risk Group offers specialized underwriting for cleaning and maid operations, with flexibility to place complex or non-standard accounts. Our strengths include responsive underwriting, broad carrier access, and experience structuring high-deductible, dividend, and retro arrangements for cost containment. We work with agents to package underwriting submissions so accounts get reviewed efficiently and accurately.
Example fits: You might have a large residential cleaning business with multi-state crews and a MOD over 1.30 — this program can help you find admitted or E&S capacity. Or an account that was recently non-renewed due to a poor loss history may qualify for specialty markets and alternative funding options.
Ready to submit? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter about placement through Novatae Risk Group.
Frequently Asked Questions
What types of maid and cleaning accounts fit this program?
We target house cleaning, laundry, carpet cleaning, and similar janitorial operations — including single-state and multi-state crews, accounts with elevated MODs, accounts in state funds, distressed or lapsed risks, and new ventures.
What submission materials should I include to get a quick review?
Provide ACORD 130, 3–4 years of loss runs, details on any large losses, and the supplemental questionnaire when requested. Clear payroll by class code and any written safety or training programs speed underwriting.
Is this program admitted or non-admitted?
Novatae Risk Group places business through admitted and non-admitted markets. Availability depends on state and carrier — carriers vary by state. We can discuss admitted options where required and E&S solutions when accounts are hard to place.
What is the minimum premium and how are alternative funding options handled?
The program generally requires a minimum premium of $10,000. We also place dividend plans, retro plans, and high-deductible programs depending on carrier appetite and the account’s size and loss history.
How do I submit a risk for consideration?
Email submission materials to [email protected] or call 800-758-8113 to speak with an underwriter. Provide complete loss runs and any supporting risk control documentation to accelerate review.
Need help placing an account? Connect with a market specialist.