Search CompleteMarkets

...at imports and re-labels kitchen appliances for distribution in the U.S., or a...

Furniture upholstery businesses provide an essential service, helping customers restore and refresh their furniture instead of replacing it. However, upholstery work often involves physical labor, tools, and exposure to injury risks, making Workers Compensation coverage a critical part of protecting your clients’ operations and staff. Novatae Risk Group, through Empire Underwriters, offers a specialized Workers Compensation Insurance program tailored for furniture upholstery operations. This program is designed to give insurance agents and brokers access to competitive solutions for this niche industry. Whether your client operates a small custom shop or a larger upholstery business, our program helps you address their unique risk exposures with confidence. Ideal Accounts and Appetite Furniture upholstery shops with employees performing hands-on restoration, repair, and reupholstery work Independent and family-owned businesses looking for stable Workers Comp markets Accounts with prior coverage and manageable loss histories You might have a client with a small team of upholsterers who work in-house on custom furniture pieces. They’ve had a few minor injuries in the past, and now they’re looking for more reliable coverage options—this program could be a fit. Program Highlights and Benefits Minimum premium starting at just $7,500 10% commission for producers Fast quote turnaround with complete submissions Access to multiple carriers—coverage available in over 20 states Expert underwriters with experience in niche industries like upholstery This Workers Compensation program helps protect against workplace injuries, covering medical expenses, lost wages, and employer liability exposures. It’s a valuable tool in helping your clients stay compliant and protect their workforce. Submission Requirements Completed Acord 130 application 3 years of loss runs Supplemental questionnaire specific to upholstery operations Details on any large losses Send your submissions to [email protected] or call 800-758-8113 to speak with an underwriter directly. Territory and Market Access This program is available in over 25 states, including but not limited to: 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. We work with both admitted and non-admitted markets depending on state availability and specific risk characteristics. Why Work With Novatae Risk Group? Novatae Risk Group is a trusted Managing General Underwriter and Excess & Surplus Lines Broker with access to diverse markets and programs. Our partnership with Empire Underwriters allows us to offer targeted Workers Compensation solutions for industries that may be underserved by standard carriers. We’re committed to helping agents grow their business while protecting their clients with tailored coverage and responsive service. Need a quote for a Furniture Upholstery Workers Compensation account? Call 800-758-8113 or email [email protected] to get started today. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for furniture upholstery businesses with employees performing reupholstery, refinishing, or repair work. Accounts with stable operations and manageable loss history are preferred. In which states is this Workers Compensation program available?The program is available in over 25 states, including CA, FL, TX, NY, and others. Contact us to confirm eligibility in your client’s location. What is the minimum premium for this program?The minimum premium starts at $7,500, depending on the risk profile and underwriting details. What submission documents are required?We require a completed Acord 130, 3 years of loss runs, a supplemental questionnaire, and details on any large losses. How quickly can I get a quote?Quotes are typically turned around quickly once a complete submission is received. Our underwriters work efficiently to support fast-moving opportunities. Need help placing an account? Connect with a market specialist.