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Running a sound and audio installation business requires more than technical skill — it also requires effective risk management. Workers Compensation Insurance protects employees and businesses from workplace injuries in an industry where hands-on work, ladders, tools, and frequent site visits are part of the daily routine. Novatae Risk Group, through its Empire Underwriters division, offers a specialized Workers Compensation Insurance program tailored for sound and audio installation contractors. Built for the exposures common to this niche, the program helps agents and brokers place difficult or underserved workers comp accounts across more than 20 states. Ideal Accounts and Appetite This program targets businesses that install sound systems, AV components, intercoms, security audio, and related equipment in commercial and residential settings. Typical fits include commercial AV integrators, home theater installers, intercom and paging system contractors, and specialty audio subcontractors. You might use this program for a small but growing crew of technicians who travel to client sites and perform hands-on installation, cable routing, equipment mounting, and system testing—accounts that often face difficulty finding competitive workers comp coverage in standard markets. Coverage Highlights and Advantages Minimum premium starting at $7,500 10% commission for appointed agents Fast quote turnaround when submissions are complete Access to a broad network of admitted and non-admitted carriers (varies by account) Underwriting Requirements Completed ACORD 130 application Three years of currently valued loss runs A supplemental questionnaire specific to sound/audio operations Details on any large or unusual losses Territories and Availability The program is available in more than 20 states, including CA, FL, TX, NY, NJ, IL, GA and others. Novatae can place business in both admitted and non-admitted markets depending on the state and the risk profile. For a full list of states, reference the program territory guide or contact underwriting. Why Work With Novatae Risk Group? Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines Broker with focused programs for niche contractors. Our underwriting team understands the operational risks of sound and audio installers and provides responsive service, market access, and pragmatic placing strategies for tougher accounts. When you need speed and accuracy to place a challenging workers comp risk, Novatae offers practical solutions and carrier relationships to get business bound. Need a Workers Compensation Insurance quote for your Sound and Audio Installation 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 program?This program is ideal for businesses involved in sound and audio system installation, including commercial AV companies, home theater installers, and intercom system contractors. What is the minimum premium for this Workers Compensation program?The minimum premium starts at $7,500, making it suitable for larger or more active installation operations. Which states is this program available in?This program is available in over 20 states, including CA, FL, TX, NY, NJ, GA, IL, and others. What documents are needed to get a quote?A complete submission includes an ACORD 130, three 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, thanks to Novatae's streamlined underwriting approach. Need help placing an account? Connect with a market specialist.

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.

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