Workers Comp Insurance for Assisted Living Facilities & Nursing Homes

Novatae Risk Group offers a specialized workers' compensation placement program for assisted living facilities and nursing homes. With deep program expertise placing hard-to-place workers comp business, this program is built to handle complex payrolls, multi-state exposures, accounts with elevated loss histories, and a mix of blue-, gray- and white-collar staffing. You can rely on direct underwriting attention, multiple market options and flexible plan designs to keep these accounts placed and competitive.

Appetite:

• MOD 1.30 or greater
• High-hazard or difficult classes typical of long-term care
• Blue-, gray- and white-collar mixes
• Accounts in state workers’ comp pools or funds
• Distressed, lapsed, cancelled or non-renewed accounts
• No-prior or limited history / new ventures — acceptable
• Multi-state operations and payroll exposure — a specialty
• Hard-to-place workers’ compensation risks

Program Features:

• Quick turnaround on submissions and referrals
• Access to many "A"–rated admitted carriers and E&S capacity varies by state
• Stand-alone workers’ compensation placements
• Guaranteed cost and integrated work comp solutions
• Dividend, retrospective and high-deductible plan options
• Custom account handling with underwriter-level attention

Underwriting Requirements & Notes:

• Completed ACORD 130
• 3–4 years of loss runs (detailed history helps for elevated MODs)
• Provide full details on any large or catastrophic losses
• Supplemental questionnaire when requested

Minimum Premium: Typical minimums start around $10,000, subject to carrier and state guidelines.

Territories & Admitted Positioning:

This program is available in the following states: 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. Placement options include admitted and non-admitted/E&S markets as appropriate; capacity and carrier availability vary by state.

Why Place This Business With Novatae Risk Group

As a managing general underwriter and E&S broker, Novatae Risk Group focuses on placing workers’ compensation for long-term care operators where standard markets often struggle. You’ll get:

• Underwriter-level responsiveness and fast binding when terms are available
• Multiple market options—carriers vary by state to maximize placement chances
• Flexible program structures (guaranteed cost, retropay/dividend, high-deductible)
• Experience handling multi-state payrolls, state funds participation and accounts with complex loss histories

Example Accounts That Fit This Program

• A 120-bed assisted living facility with a MOD of 1.45, mixed staffing and recent large medical-only claims — you can submit full loss runs and supplemental details for review.
• A small chain of three nursing homes operating in three neighboring states with payroll split across facilities — multi-state placement options are available.

Ready to submit? Send your completed ACORD 130, current loss runs and any supplemental information to [email protected] or call 800-758-8113 to discuss placement and appetite with an underwriter.