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Overview — Workers Compensation Insurance for Maid Services Novatae Risk Group offers a dedicated workers compensation program tailored for maid and cleaning services — including house cleaning, laundry, carpet cleaning, and similar operations. Cleaning businesses face frequent employee exposures and occasional third-party property damage; appropriate workers comp coverages help control the financial impact of workplace injuries and keep clients' operations stable. This program combines underwriting flexibility with access to admitted and non-admitted markets to place hard-to-bind accounts. Novatae Risk Group leverages deep experience placing workers compensation for the maid industry. We support agents with quick turnarounds, multiple carrier options (varies by state), and tailored account handling for complex or multi-state exposures. Submit your Workers Compensation Insurance for Maid Services submissions and let us demonstrate solutions for tough classes, high hazard accounts, and new ventures. Appetite: MOD 1.30 or greater High-hazard or difficult classes Blue-, gray- and white-collar accounts Accounts currently in state pools or funds Distressed, lapsed, cancelled, or non-renewed accounts New ventures are acceptable Multi-state exposure is a specialty Hard-to-place workers compensation risks Program Features: Quick turnaround on submissions Access to many "A"-rated carriers (varies by state) Stand-alone workers compensation placement Guaranteed-cost options and integrated work comp solutions Dividend and retrospective (retro) plans High-deductible programs and alternative funding Custom account handling and claims coordination Requirements: ACORD 130 3–4 years of loss runs Details on any large claims or subrogation issues Completed supplemental questionnaire (when requested) Underwriting Notes and Minimum Premiums Underwriting focuses on exposure management: payroll mix by class code, employee training, safety programs, and loss trends. Large or recent losses should be explained in detail and any corrective actions documented. The program typically requires a minimum premium; the current program minimum is $10,000, though final placement depends on carrier appetite and state rules. Territories and Market Positioning Availability: All Available Markets. We place business across many admitted and non-admitted markets; carriers vary by state. The program is available in the following states and 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. For multi-state exposures we can coordinate quotes and binding across territories. Why Work With Novatae Risk Group As a Managing General Underwriter and Excess & Surplus Lines broker, Novatae Risk Group offers specialized underwriting for cleaning and maid operations, with flexibility to place complex or non-standard accounts. Our strengths include responsive underwriting, broad carrier access, and experience structuring high-deductible, dividend, and retro arrangements for cost containment. We work with agents to package underwriting submissions so accounts get reviewed efficiently and accurately. Example fits: You might have a large residential cleaning business with multi-state crews and a MOD over 1.30 — this program can help you find admitted or E&S capacity. Or an account that was recently non-renewed due to a poor loss history may qualify for specialty markets and alternative funding options. Ready to submit? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter about placement through Novatae Risk Group. Frequently Asked Questions What types of maid and cleaning accounts fit this program?We target house cleaning, laundry, carpet cleaning, and similar janitorial operations — including single-state and multi-state crews, accounts with elevated MODs, accounts in state funds, distressed or lapsed risks, and new ventures. What submission materials should I include to get a quick review?Provide ACORD 130, 3–4 years of loss runs, details on any large losses, and the supplemental questionnaire when requested. Clear payroll by class code and any written safety or training programs speed underwriting. Is this program admitted or non-admitted?Novatae Risk Group places business through admitted and non-admitted markets. Availability depends on state and carrier — carriers vary by state. We can discuss admitted options where required and E&S solutions when accounts are hard to place. What is the minimum premium and how are alternative funding options handled?The program generally requires a minimum premium of $10,000. We also place dividend plans, retro plans, and high-deductible programs depending on carrier appetite and the account’s size and loss history. How do I submit a risk for consideration?Email submission materials to [email protected] or call 800-758-8113 to speak with an underwriter. Provide complete loss runs and any supporting risk control documentation to accelerate review. Need help placing an account? Connect with a market specialist.

Workers Compensation Insurance for Theaters Novatae Risk Group offers a specialized Workers Compensation Insurance program tailored for theater operations across more than 20 states. Whether your client runs a small community playhouse or a larger performing arts venue, this program helps agents place coverage for a unique and often underserved segment of the entertainment industry. With competitive pricing, a low minimum premium, and responsive underwriting, this program is built to support agents seeking reliable workers comp solutions for theater clients. Ideal Accounts and Appetite This program targets live theater venues and related operations, including: Community and regional theaters Touring theater groups Performing arts centers Theatrical production companies Accounts with active safety protocols, organized management structures, and a history of limited workers comp claims are typically strong fits. You might have a client who runs a nonprofit playhouse with part-time staff or a touring company with seasonal performers—both can be considered under this program. Coverage Highlights and Advantages Only $7,500 minimum premium 10% commission for appointed producers Quick quote turnaround with completed submissions Coverage available in over 20 states The program is supported by a range of admitted and non-admitted carriers, allowing flexibility across jurisdictions and risk profiles. Underwriting Requirements and Submissions To receive a quote quickly, submit a complete application package including: ACORD 130 Three years of currently valued loss runs Supplemental questionnaire specific to theater operations Details on any large losses The more complete your submission, the faster the underwriting team can respond. Novatae Risk Group prioritizes efficiency and communication throughout the quoting process. Availability and Territories Workers compensation coverage is available in the following states: 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 options are available depending on the state and risk characteristics. Why Work With Novatae Risk Group? As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group brings specialized expertise and market access for niche industries like live theater. Their underwriting team understands the operational risks involved in stage production, set construction, and live performances, helping you place business that might not fit standard markets. With competitive commissions, fast service, and broad state availability, Novatae is a reliable partner for writing workers compensation for theater clients. Do you need a Workers Compensation Insurance Quote for your Theater client? 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 theater workers comp program?This program is ideal for live performance venues such as community theaters, regional theaters, touring production companies, and performing arts centers with staff involved in stage operations, production, and administration. What documentation is required to submit for a quote?Submissions must include ACORD 130, three years of loss runs, a supplemental questionnaire, and details on any large losses. What is the minimum premium for this program?The program has a $7,500 minimum premium requirement. Is this program available in all states?No, but it is available in over 20 states including CA, TX, NY, FL, and others. Contact underwriting to confirm availability in your client’s state. How quickly can I get a quote?Quotes are typically turned around quickly once a complete submission is received. Incomplete applications may delay processing. Need help placing an account? Connect with a market specialist.