Providing cost-effective Workers’ Compensation Insurance for in-home care providers can be complex without the right underwriting partner. The unique nature of caregiving work—often involving physical labor, travel between client homes, and exposure to various patient needs—presents elevated risks. That's why Novatae Risk Group offers a specialized In Home Care Workers Compensation Insurance program designed to help brokers and agents secure the right coverage for these challenging classes.
Through our relationship with Empire Underwriters and access to multiple “A” rated carriers, this program is built to serve tough-to-place accounts and those with high exposure. Whether your client is a new venture, has a high MOD, or has been turned down by standard markets, we can help you find a solution tailored to their needs.
If you're working with clients who operate in the home healthcare sector—ranging from personal care aides to skilled nursing providers—our program offers flexible solutions, even for distressed accounts or multi-state exposures. We specialize in helping agents place business that doesn’t fit the mold.
Call us at 800-758-8113 to speak with an experienced broker about your In Home Care Workers Compensation Insurance submissions.
Ideal Accounts and Appetite:
- Experience MOD of 1.30 or higher
- High-hazard or tough-to-place classes
- Blue, gray, and white collar in-home care operations
- Accounts currently in state pools or funds
- Distressed, lapsed, or non-renewed policies
- No prior coverage or newly established businesses
- Multi-state operations welcome
Coverage Highlights and Advantages:
- Quick turnaround on quotes
- Access to multiple “A” rated national carriers
- Stand-alone Workers’ Compensation policies
- Guaranteed cost and high-deductible options
- Integrated solutions and custom account handling
- Dividend and retrospective rating plans available
Underwriting Requirements:
- Completed ACORD 130 application
- 3–4 years of currently valued loss runs
- Details on any large losses
- Completed supplemental questionnaire
Minimum Premium and Market Access:
This program has a minimum premium of $10,000. Market availability varies by state, but we offer solutions through both admitted and non-admitted carriers depending on the risk profile and location.
States Available:
We place Workers Comp coverage for in-home care operations in nearly all states, including but not limited to CA, FL, TX, NY, IL, NJ, and PA. Multi-state exposures are a specialty. Coverage is available in all listed 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.
Why Work With Novatae Risk Group?
As a trusted Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group has the tools, markets, and expertise to help you succeed in placing difficult Workers Comp business. We understand the real-world challenges of insuring in-home care operations and offer responsive service, smart underwriting, and flexible carrier access. Send your submission today and let us help you deliver results for your clients.
Need a quote for In Home Care Workers Compensation Insurance?
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 in-home care providers with higher MODs, new ventures, or those with prior coverage challenges. Multi-state operators and distressed accounts are welcome.
Is this program available in all states?
Yes, the program is available in most states, including CA, FL, TX, NY, NJ, and others. Multi-state exposures are a specialty.
What is the minimum premium for this Workers Comp program?
The minimum premium for this program is $10,000, depending on the risk profile and underwriting criteria.
Do you accept accounts with no prior coverage or lapsed policies?
Yes, we can consider accounts with no prior coverage, cancellations, or non-renewals. Each submission is reviewed individually.
What information is required for a submission?
We require a completed ACORD 130 form, 3–4 years of loss runs, a supplemental questionnaire, and details on any large losses.
Need help placing an account? Connect with a market specialist.