Workers Compensation Insurance is a critical coverage line for hotels, motels, and resort operations due to the high frequency of workplace injuries such as slips, falls, strains, and repetitive motion injuries. The hospitality industry often involves physically demanding tasks, shift work, and fast-paced environments, all of which contribute to elevated risk levels for employees. Proper coverage helps protect your clients from costly claims and ensures compliance with state requirements.
Novatae Risk Group, through its Empire Underwriters division, offers a specialized Workers Compensation program designed specifically for the hospitality sector. This program is backed by “A” rated carriers and includes expert underwriting support to help you place accounts efficiently and effectively. Whether you’re working with a boutique hotel or a multi-location resort, our team acts as an extension of your agency to help you navigate complex risks and identify the right solutions for your insureds.
Call us today at 800-758-8113 to speak with an experienced broker about your Hotel, Motel, or Resort Workers Compensation accounts.
Ideal Accounts and Appetite
- Independent hotels and motels
- Franchised hospitality chains
- Destination resorts and spa retreats
- Properties with food service, housekeeping, and maintenance operations
You might have a client who owns a mid-sized resort in Florida with a full-service restaurant and spa. Or perhaps a privately-owned motel in California with 25 employees. These are the types of accounts this program is built to handle.
Coverage Highlights and Advantages
- Access to “A” rated carriers for financial stability and reliability
- Competitive 10% commission
- Fast turnaround on quotes with complete submissions
- Coverage available across 25+ states
Underwriting Requirements and Minimum Premium
- Minimum premium of $7,500
- Completed Acord 130 application
- 3 years of currently valued loss runs
- Supplemental hospitality questionnaire
- Details on any large or unusual losses
Applications with complete, organized documentation receive faster underwriting turnaround, helping you deliver timely quotes to your clients.
Territories and Market Access
This Workers Compensation program is available in over 25 states, including 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, and WV. Admitted and non-admitted markets are available depending on the state and risk profile.
Why Work With Novatae Risk Group?
As a Managing General Underwriter and E&S Broker, Novatae Risk Group brings deep experience in hospitality risk management and access to a wide array of markets. Our in-house experts help simplify the placement process and provide tailored support that helps you win and retain accounts. We’re here to help you grow your Workers Comp book with reliable markets and responsive service.
Need a quote for your hotel, motel, or resort client?
Email your submission to [email protected] or call 800-758-8113 to speak with an underwriter today.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for hotels, motels, and resorts with standard operations, including housekeeping, food service, and maintenance staff. Both independent and franchised properties are eligible.
Is there a minimum premium requirement?
Yes, the program requires a minimum premium of $7,500.
What documents are needed to submit an account?
Submissions should include a completed Acord 130, three years of loss runs, a supplemental hospitality questionnaire, and any details of large losses.
How quickly can I get a quote?
Quotes are typically provided quickly once a complete submission is received. The turnaround time depends on the complexity of the risk.
In which states is this program available?
The program is available in over 25 states, including CA, FL, TX, NY, GA, and others. Contact us for specific state availability.
Need help placing an account? Connect with a market specialist.