Janitorial and cleaning businesses face unique and elevated risks due to the nature of their off-site operations. Employees often travel to multiple job locations, increasing exposure to injuries, illnesses, and liability claims. For agents working with janitorial clients who are ineligible for standard workers' compensation markets, Novatae Risk Group offers a tailored Non-Standard Workers Comp Insurance program designed to meet the specific needs of this challenging class.
This program is an excellent solution for cleaning and janitorial companies that have been declined, non-renewed, or priced out of the standard market. With flexible underwriting and access to multiple carriers across all available markets, Novatae helps agents place tough accounts while delivering real value to clients.
Program Highlights:
- “Pay-As-You-Go” Non-Standard Workers Comp with reduced costs
- No premium deposit required
- No premium audits
- Significant cash flow advantages
- Loss control and risk management support
- Fair and aggressive claims management
- HR services including unemployment claims, garnishments, COBRA, and more
- Full payroll services with tax remittance, 941s, and W-2s
- Client option to process payroll in-house
- ASO (Administrative Services Only) and PEO (Professional Employer Organization) options
- High retention product—continues until cancelled
Ideal Accounts and Submission Appetite:
- Accounts exiting a state fund or assigned risk pool
- Accounts non-renewed or cancelled due to high exposure or loss history
- Accounts with X-Mods between 1.3 and 3.0
- New ventures or operations with no prior coverage but in tough classes
- Accounts with lapses in coverage and adverse loss experience
- Businesses with manual rates of $8 to $50 or more and other risk factors
You might have a janitorial client with a lapse in coverage and a history of claims exceeding $20,000. Or, perhaps you’re working with a new cleaning business struggling to find coverage due to interstate exposure or classification issues. These are the types of accounts this program is purpose-built to serve.
Not a Fit For:
- Accounts that qualify for standard market workers comp
- Accounts just shopping for a better rate
- Accounts with credit X-Mods and little to no loss history
- Accounts not meeting any of the eligibility criteria
Submission Requirements:
- Completed Acord 130
- Class-specific supplemental application (available on the program page)
- Three years of loss history
- Loss history affidavit for accounts with lapse or no prior coverage
- Explanation for claims exceeding $20,000
- Experience Mod worksheet
Territories and Market Access:
This program is available in all 50 states plus Washington, D.C. Admitted and non-admitted options are available depending on the state and carrier. Novatae Risk Group works with a variety of markets to place the right fit for your client.
Why Work With Novatae Risk Group?
As a Managing General Underwriter and E&S Broker with deep expertise in hard-to-place workers comp risks, Novatae provides agents with a reliable partner for tough janitorial accounts. From responsive underwriting to full-service HR and payroll capabilities, Novatae is committed to helping agents deliver value, efficiency, and client satisfaction.
Need a Non-Standard Workers Comp Quote for a Janitorial Account?
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 ideal for janitorial and cleaning companies with high X-Mods, lapses in coverage, prior cancellations, or tough classification issues that make them ineligible for standard workers comp markets.
Is this a PEO-only program?
No. Novatae offers both PEO and ASO (Administrative Services Only) options, along with payroll services. Clients can also choose to cut checks in-house if preferred.
Are new ventures eligible for coverage?
Yes, new janitorial businesses with no prior coverage can be considered, especially if they face tough underwriting criteria or operate across state lines.
What documentation is needed to get a quote?
Submissions require an Acord 130, a class-specific supplemental application, three years of loss history (or affidavit if not available), explanation of large claims, and an Experience Mod sheet.
In which states is this program available?
This program is available in all U.S. states and Washington, D.C., with access to both admitted and non-admitted markets depending on the state.
Need help placing an account? Connect with a market specialist.