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...rs the Communications Equipment Contractors Program—Residential Insurance to h... excess/umbrella up to $25,000,000. Property, equipment, and crime coverages a...

... Cold Storage Janitorial / Property Management / Residential Cleaning ...

...ty Insurance program for Bridge Contractors through Empire Underwriters, built...cepts new ventures and multi-state contractors. Is this program available in a...

Painting contractors may not be responsible for a build...unique needs of high-risk painting contractors. Need help placing an account...

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. Frequently Asked Questions What types of assisted living and nursing home accounts are a good fit?Accounts with elevated MODs, multi-state payrolls, mixed staffing (clinical and non-clinical), state fund participation, or recent lapses/cancellations are good fits. The program is designed for risks that standard admitted markets find difficult to place. What documents should I include with a submission?Start with a completed ACORD 130, the last 3–4 years of loss runs, payroll breakdown by class and location, and details on any large losses. A supplemental questionnaire may be requested for complex losses or multi-state exposure. Is this program available on an admitted basis?Yes — Novatae works with a mix of admitted carriers and excess & surplus capacity. Availability depends on state and the account’s profile; some placements may require non-admitted solutions. What is the minimum premium I should expect?Minimum premiums typically begin around $10,000, though the final minimum will depend on carrier, state, and program structure. How quickly can I expect a response on a submission?Novatae emphasizes quick turnaround and underwriter attention. Response times vary by complexity, but straightforward submissions with complete paperwork receive faster review and decisioning. Need help placing an account? Connect with a market specialist.

...e: Boat service and repair contractors Fishermen and fishing tour ope...ted businesses such as boat repair contractors, marina operators, offshore oil workers, and artisan contractors who work on or adjacent to navi...

...am for Line Maintenance Service contractors. With focused underwriting experti...

Workers Compensation Insurance is a critical coverage line for hotels, motels, and resort operations due to the high frequency of workplace injuries such as slips, falls, strains, and repetitive motion injuries. The hospitality industry often involves physically demanding tasks, shift work, and fast-paced environments, all of which contribute to elevated risk levels for employees. Proper coverage helps protect your clients from costly claims and ensures compliance with state requirements. Novatae Risk Group, through its Empire Underwriters division, offers a specialized Workers Compensation program designed specifically for the hospitality sector. This program is backed by “A” rated carriers and includes expert underwriting support to help you place accounts efficiently and effectively. Whether you’re working with a boutique hotel or a multi-location resort, our team acts as an extension of your agency to help you navigate complex risks and identify the right solutions for your insureds. Call us today at 800-758-8113 to speak with an experienced broker about your Hotel, Motel, or Resort Workers Compensation accounts. Ideal Accounts and Appetite Independent hotels and motels Franchised hospitality chains Destination resorts and spa retreats Properties with food service, housekeeping, and maintenance operations You might have a client who owns a mid-sized resort in Florida with a full-service restaurant and spa. Or perhaps a privately-owned motel in California with 25 employees. These are the types of accounts this program is built to handle. Coverage Highlights and Advantages Access to “A” rated carriers for financial stability and reliability Competitive 10% commission Fast turnaround on quotes with complete submissions Coverage available across 25+ states Underwriting Requirements and Minimum Premium Minimum premium of $7,500 Completed Acord 130 application 3 years of currently valued loss runs Supplemental hospitality questionnaire Details on any large or unusual losses Applications with complete, organized documentation receive faster underwriting turnaround, helping you deliver timely quotes to your clients. Territories and Market Access This Workers Compensation program is available in over 25 states, including 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 markets are available depending on the state and risk profile. Why Work With Novatae Risk Group? As a Managing General Underwriter and E&S Broker, Novatae Risk Group brings deep experience in hospitality risk management and access to a wide array of markets. Our in-house experts help simplify the placement process and provide tailored support that helps you win and retain accounts. We’re here to help you grow your Workers Comp book with reliable markets and responsive service. Need a quote for your hotel, motel, or resort client? Email your submission to [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for hotels, motels, and resorts with standard operations, including housekeeping, food service, and maintenance staff. Both independent and franchised properties are eligible. Is there a minimum premium requirement?Yes, the program requires a minimum premium of $7,500. What documents are needed to submit an account?Submissions should include a completed Acord 130, three years of loss runs, a supplemental hospitality questionnaire, and any details of large losses. How quickly can I get a quote?Quotes are typically provided quickly once a complete submission is received. The turnaround time depends on the complexity of the risk. In which states is this program available?The program is available in over 25 states, including CA, FL, TX, NY, GA, and others. Contact us for specific state availability. Need help placing an account? Connect with a market specialist.

...ed specifically for sheet metal contractors, addressing both common and comple...s program is ideal for sheet metal contractors with high MODs, prior losses, m...

...sures and occasional third-party property damage; appropriate workers comp cov...