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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.

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Normandy Harbor Insurance Company offers a specialized Workers' Compensation program designed for Florida-based hotel and motel operations. As an admitted carrier with deep underwriting experience in the hospitality industry, Normandy Harbor delivers both flexible coverage options and strong service support to help agents place solid business for their hospitality clients. Ideal Accounts and Appetite This program is built for hotel and motel businesses operating in Florida that meet the following criteria: Minimum premium of $1,000 At least three years of operating experience in the hospitality industry Whether your client operates a boutique inn, a mid-size motel, or a full-service hotel, this program is a strong fit for well-managed operations with stable claims history. Coverage Highlights and Advantages Normandy Harbor understands the unique risks associated with hospitality industry employees, from front desk staff to housekeeping and maintenance crews. Their workers' compensation program includes: Flexible payment options to support cash flow, including: Pay-as-you-go 10% down with monthly payments 10% down with 9 installments 12 equal installments Proactive in-house loss control services targeted to hospitality risks Fast and responsive claims handling to reduce downtime and improve outcomes Dividend potential for qualifying insureds, rewarding safe operations Normandy Harbor is backed by "A" rated reinsurance and has a 100% dividend payment track record, further demonstrating their commitment to long-term partnerships. Underwriting Notes and Minimum Premiums To be eligible, risks must be Florida-based and have a minimum premium of $1,000. Underwriters look for accounts with at least three years of hospitality experience and a solid loss history. New ventures or operations with frequent claims may not be a fit for this program. Territories and Availability This workers' compensation program is currently available in Florida only. As an admitted carrier in the state, Normandy Harbor ensures regulatory compliance and strong local market knowledge. Why Work With Normandy Harbor Insurance Company Normandy Harbor is not just another carrier—they are a dedicated workers' compensation partner focused on Florida businesses. Their hospitality program combines deep underwriting expertise, industry-specific loss control, and flexible billing solutions to help agents write and retain quality business. With a consistent dividend history and responsive service, Normandy Harbor stands out as a strong choice for agents placing hotel and motel accounts. Frequently Asked Questions What types of accounts are a good fit for this program?Hotels and motels in Florida with at least three years of operating experience and a minimum premium of $1,000 are ideal candidates. Is coverage available outside of Florida?No, this program is available exclusively for Florida-based hotel and motel operations. What payment options are available for insureds?Normandy Harbor offers several payment plans, including pay-as-you-go, 10% down with monthly or 9-installment options, and 12 equal installments. Does Normandy Harbor offer loss control services?Yes, they provide proactive, in-house loss control tailored to the unique risks of the hospitality industry. Can new ventures apply for this program?Generally, at least three years of industry experience is required. New ventures may not meet underwriting guidelines. Need help placing an account? Connect with a market specialist.

Advanced E&S Group - Southeast Region offers a dedicated Hotel/Motel Insurance Coverage program designed for limited-service, short-term lodging operations—particularly properties that serve business travelers. Built for independent agents and brokers, this non-admitted program provides access to a broad set of property and casualty coverages to address the common risks faced by motels and limited-service hotels. Ideal Accounts and Appetite This program targets limited-service hotels and motels that primarily host short-term guests. Typical accounts include: Franchise and independent limited-service hotels with no on-site full-service restaurants Properties offering limited amenities such as a pool or fitness center Urban, suburban, and highway-corridor locations Underwriting favors properties with documented maintenance, clear safety protocols, and a responsible management history. Clean loss records and recent property updates improve placement prospects. Coverage Highlights and Advantages The program packages core property and casualty protections tailored to hotel and motel operations, including: Property — building and business income, plus optional wind, ordinance & law, and equipment breakdown coverages General Liability — including liquor liability where alcohol service is provided Innkeepers Legal Liability — protection for guest property loss or damage Hired & Non-Owned Auto Liability — for rented or employee-owned vehicle exposures Employee Benefits Liability — coverage for administrative errors in employee benefits Umbrella/Excess — to extend liability limits where needed These components are arranged to address guest-related incidents, premises exposures, and business interruption risks common to limited-service lodging. Underwriting Notes and Minimum Premiums Policies are placed on a non-admitted basis through various carrier partners. Minimum premiums vary by property size, location, and risk profile. Underwriting emphasis is placed on operational quality, maintenance history, security and safety protocols, and loss history. Provide recent inspection reports, risk control measures, and claims history to speed submissions. Territories and Availability This Hotel/Motel Insurance Coverage program is available in most U.S. states, including but not limited to FL, GA, TX, CA, NY, and NC. Eligible states include: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC. Why Work With Advanced E&S Group - Southeast Region? As a Managing General Agency, Advanced E&S Group - Southeast Region combines hospitality risk expertise with access to multiple non-admitted carriers. Their underwriting approach is practical and focused on placing accounts that meet safety and maintenance standards. The program is well suited for single locations or small chains and aims to help you place business that may be challenging in admitted markets. Example scenarios that frequently fit: a recently renovated 60-room limited-service property with a strong housekeeping program and minimal liability exposures; or a small franchise motel on a highway corridor that needs inland and liability coverage but does not offer on-site dining. Frequently Asked Questions What types of accounts are a good fit for this program?Limited-service hotels and motels that cater to short-term guests, especially business travelers. Preference is given to properties with clean loss histories and documented safety procedures. Are franchise hotels eligible for coverage?Yes. Both franchise and independent limited-service hotels are considered; eligibility depends on the property’s operations and risk profile. Is this program admitted in any states?No. Policies are placed on a non-admitted basis through various carriers. What coverages are included in the package?The package typically includes property, general liability (with liquor liability where applicable), innkeepers legal liability, hired & non-owned auto, employee benefits liability, and umbrella/excess options. Which states is the program available in?The program is available in most U.S. states, including FL, TX, CA, NY, GA, and many others listed above. Need help placing an account? Connect with a market specialist.

Policy Highlights for Home Health Care Insurance: Colonial General Insurance Agency, Inc. offers a dedicated Home Health Care Insurance program tailored for agencies that deliver professional and non-professional services in residential settings. Whether your client operates a small local service or a growing multi-location agency, this program gives agents access to competitive coverage options on a mono-line or package basis and flexible placement through admitted and surplus markets. Ideal Accounts and Appetite This program is designed for independent agents placing coverage for: Home health care agencies providing nursing, physical therapy, skilled or unskilled personal care Non-medical caregivers offering companionship, housekeeping, meal preparation, or transportation Small to mid-sized operations serving individual homes (not institutional facilities) Preferred accounts have documented safety protocols, staff screening and training, incident reporting, and HIPAA/compliance practices. Agencies that serve high-risk patients (e.g., complex wound care, high-acuity respiratory support) or operate in non-residential/institutional settings may require enhanced underwriting review or be considered outside the appetite. Example accounts you might place: a two-branch caregiver service that provides companion care, medication reminders and light ADL assistance; or a licensed home health agency offering skilled nursing and outpatient PT for post-surgical patients with established training and quality control programs. Coverage Highlights and Advantages Commercial General Liability Primary limits: up to $1,000,000 per occurrence / $3,000,000 aggregate Excess/umbrella limits: capacity up to $25,000,000 Included and available coverages: Medical payments — $5,000 limit Errors & Omissions (professional liability) — available up to policy limits Sexual and/or physical abuse coverage — $50,000 per claim / $100,000 aggregate (higher limits available) No deductible required for standard GL placements Crime Inside the premises — theft of money and securities Inside the premises — robbery or safe burglary of other property Outside the premises coverage available Property Building and contents Business income and extra expense Computer equipment and equipment breakdown Accounts receivable and valuable papers Inland marine, outside signs Basic, broad, or special form; replacement cost or ACV options Underwriting Notes and Market Access Colonial General places accounts in admitted territories where available and uses surplus lines when appropriate. Underwriters evaluate operational history, staff hiring and training practices, written policies and procedures, loss history, and the specific services provided when structuring coverage. There are no blanket minimum premium rules — quotes are customized to the size and exposures of the account. Territories and Availability This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted markets exist in some states; when admitted capacity is not available, Colonial General can access E&S carriers to secure coverage. Why Work With Colonial General? As a Managing General Agency and E&S broker with focused expertise in niche health care and service-based risks, Colonial General offers agents responsive underwriting, broad market access, and personalized placement support. Agents benefit from underwriters who understand common home health exposures and can structure combined GL, E&O and property solutions for growing agencies. Frequently Asked Questions What types of accounts are a good fit for this program?Home health care agencies that provide professional or non-professional services in residential settings — for example, licensed home health agencies, private duty nursing, and non-medical caregiver services — are core fits for this program. Is this program available on an admitted basis?Some markets are admitted depending on the state and the account profile. Colonial General also places business with surplus lines carriers when admitted capacity is limited or unavailable. Are package options available, or is it mono-line only?You can place coverage on a mono-line basis or bundle GL, E&O, property, and crime into a package to fit the client’s needs and exposures. What states is this program offered in?This program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Can I get higher limits for abuse or professional liability coverage?Yes. Higher optional limits for sexual/physical abuse and professional liability are available — contact Colonial General underwriting to discuss limits and terms for your specific account. Need help placing an account? Connect with a market specialist.