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Barber shops and beauty salons face distinct workers’ compensation exposures that benefit from a focused underwriting approach. Novatae Risk Group, working with an “A”-rated carrier panel, offers a streamlined and affordable Workers Compensation program built specifically for barber and beauty salon operations. The program is designed to simplify placement, satisfy compliance, and control cost for typical salon exposures. This program is designed for agents and brokers who need competitive pricing and dependable service for salon clients. Whether you represent a single-location barbershop, a suite-style salon, or a multi-location salon group, Novatae’s program provides fast turnarounds and flexible underwriting to help you close business. Program Highlights: Only $7,500 minimum premium 10% commission for agents and brokers Quick quote turnaround with complete submissions Coverage available in over 20 states Appetite and Eligible Accounts: Independent barber shops and hair salons Beauty salons offering hair, nails, waxing, skincare and related services Salon suites with multiple professionals operating under one roof New ventures accepted with complete submissions and a supplemental questionnaire You may have a client who operates a small chain of full-service salons across multiple states or an established barbershop expanding its staff. Those accounts often fit well — they can benefit from Novatae’s fast quoting process, multiple market access, and competitive pricing. Submission Requirements: Completed Acord 130 Three years of loss runs Supplemental questionnaire describing services and operations Details on any large or unusual losses Contact us today at 800-758-8113 to speak with an experienced underwriter about your barber or salon accounts. You can also send your submission or coverage questions to [email protected] for fast review. Territories and Market Access: The program is available in these 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. Novatae leverages multiple admitted and non-admitted markets and can offer the appropriate placement depending on the client’s location and risk profile. Why Work with Novatae Risk Group? Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines broker with deep experience placing niche workers’ compensation accounts. Our underwriters know the operational risks of beauty and grooming professionals and focus on responsive service, practical underwriting, and broad market access so you can place business faster. Frequently Asked Questions What types of accounts are a good fit for this program?Independent barber shops, beauty salons, and salon suites that provide services such as hair styling, nails, waxing, and skincare are ideal candidates. Is this program available for new businesses?Yes. New ventures are considered when you provide a complete submission, including the supplemental questionnaire and business details. What is the minimum premium for this program?The program’s minimum premium starts at $7,500, which suits many small- to mid-sized salon operations. How quickly can I get a quote?Quotes are typically returned quickly once all required documents—such as the Acord 130 and loss runs—are submitted. Which states is this program available in?Coverage is available in over 20 states, including CA, FL, TX, and NY, as listed above. Need help placing an account? Connect with a market specialist.

Novatae Risk Group offers a dedicated Plumbers Workers Compensation Insurance program designed for independent agents and brokers placing plumbing contractors, service plumbers, and small plumbing firms. Our program pairs targeted underwriting with broad state availability to help you secure workers compensation solutions for your plumbing clients quickly and competitively. To discuss a specific account or get a quote, call 800-758-8113 or email [email protected] to reach an experienced underwriter. Overview of the Program This plumbers workers compensation program is underwritten for plumbing contractors and related trades. It is intended for accounts that benefit from disciplined underwriting, risk-management support, and flexible placement options across multiple jurisdictions. Novatae Risk Group administers this program to streamline placement, provide fast turnarounds on completed submissions, and help you deliver stable, market-appropriate coverage to your clients. Ideal Accounts and Appetite Target: plumbing contractors, service plumbers, multi-trade contractors where plumbing is the primary exposure, and small to mid-size plumbing shops. Preferred: accounts with standard payrolls and predictable loss histories, contractors with established safety programs. May consider: accounts with moderate-large single losses if adequately documented and mitigated. Not a fit: highly volatile or non-compliant operations, accounts with unresolved catastrophic exposure without corrective plans. Coverage Highlights and Advantages Program tailored specifically for plumbing exposures and related classifications. Competitive pricing and broad market access — carriers vary by state and account characteristics. Fast quote turnaround when you provide a completed submission package. Dedicated underwriting support for placement and loss-control recommendations. Commission structure and other producer terms are available on request; see program highlights for current guidance. Underwriting Notes and Minimum Premiums The program has a minimum premium requirement of $7,500. Underwriting decisions are based on payroll, class codes, loss history, safety practices, and occupational exposures typical to plumbing work. Provide full details on any large or unusual losses to avoid delays. The program offers admitted and non-admitted placement options depending on the state and account profile. Territories and Availability 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, WV. Availability and market options can vary by state and account characteristics. Submissions Acord 130 3 Years Loss Runs Supplemental Questionnaire Details on Large Losses Why Work With Novatae Risk Group on Plumbers WC Novatae Risk Group combines program underwriting expertise with E&S broking capabilities to place plumbing workers compensation accounts that need specialized attention. You benefit from a focused appetite for plumbing trades, rapid response on completed submissions, and access to multiple carriers to fit different risk profiles. Our team works with you to identify loss-control improvements and to present clean, well-documented submissions that improve placement outcomes. Ready to submit? Send your complete submission to [email protected] or call 800-758-8113 to speak to an underwriter about coverage options and turnaround expectations. Frequently Asked Questions What types of plumbing accounts are a good fit for this program?Service plumbers, residential and commercial plumbing contractors, and small-to-mid-size plumbing shops with documented payrolls and standard loss histories fit best. Multi-trade contractors where plumbing is the primary exposure are also appropriate. What is the minimum premium and are there placement restrictions?The program's minimum premium is $7,500. Placement options and admitted vs. non-admitted availability depend on the state and the account profile; contact underwriting for specific state guidance. What information speeds the quoting process?Provide a completed Acord 130, three years of loss runs, the supplemental questionnaire, and details on any large losses. Complete submissions receive faster turnarounds. Which states are available through this program?Coverage is available in 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. Market options may vary by state. Who do I contact with questions or to submit?Send submissions or questions to [email protected] or call 800-758-8113 to speak with an underwriter about your plumbers workers compensation accounts. Need help placing an account? Connect with a market specialist.

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... Civil, structural, mechanical, electrical and HVAC engineers Construc...