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Behind every successful nonprofit organization is a team of dedicated employees and volunteers working hard to make a difference in their communities. Whether it’s a daycare center caring for children, a food bank serving families in need, or a cultural nonprofit managing public events, these organizations rely on their people to achieve their mission. That’s why protecting your nonprofit clients with the right Workers’ Compensation Insurance is essential to their continued operation and financial stability. Novatae Risk Group offers a specialized Workers’ Compensation Insurance program tailored to the unique needs of nonprofit and social service organizations. Through our partnership with an "A" rated carrier, we provide reliable coverage solutions for accounts that may be considered tough to place in standard markets. From new ventures to distressed risks or businesses with a high experience MOD, we help agents find appropriate coverage for their nonprofit clients. Ideal Accounts and Appetite MOD 1.30 or greater High-hazard or tough classes Blue, gray, and white collar nonprofit organizations Accounts currently in state pools or assigned risk funds Clients with prior cancellations, lapses, or non-renewals New ventures with no prior coverage Multi-state operations Hard-to-place Workers’ Comp risks You might have a client operating a transitional housing nonprofit with multiple locations and a history of claims. Or perhaps a small arts nonprofit is launching in multiple states. These are the types of accounts Novatae Risk Group can help you place quickly and efficiently. Coverage Highlights and Advantages Fast turnaround on submissions Access to multiple "A" rated carriers Stand-alone Workers’ Comp policies Guaranteed cost solutions Integrated workers’ comp solutions Dividend and retro-rated plans High deductible options Custom account handling for complex risks Underwriting Notes and Minimum Premiums Minimum premium: $10,000 Required documents: ACORD 130, 3–4 years of loss runs, large loss details, and a supplemental questionnaire Territories and Availability This program is available in most states, including 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, and WI. Coverage is offered through all available markets, and carrier options vary by state. Why Work With Novatae Risk Group? Novatae Risk Group is a trusted Managing General Underwriter and E&S Broker with deep expertise in placing challenging workers' compensation accounts. Our specialized nonprofit Workers’ Comp program is backed by years of underwriting experience and access to strong carrier partners. Whether your client is a new nonprofit venture or a well-established organization with complex exposures, we’re here to help you find market solutions that work. Do you need a Workers’ Compensation Insurance Quote for Non-Profit Organizations? 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 nonprofit organizations are eligible for this Workers’ Comp program?This program targets a wide range of nonprofits, including social services, daycare centers, housing programs, community outreach groups, and other charitable organizations with blue, gray, or white collar operations. Can I submit a new nonprofit venture with no prior Workers’ Comp coverage?Yes, new ventures are accepted. The program is designed to accommodate accounts with no prior coverage, including startups and recently formed nonprofits. What documentation is required to submit an account?You’ll need to provide an ACORD 130 form, 3–4 years of loss runs, any large loss details, and a completed supplemental questionnaire. Is this program available for nonprofits operating in multiple states?Yes, multi-state exposures are a specialty of Novatae Risk Group. We can help place coverage for nonprofits with operations across several states. What is the minimum premium for this program?The minimum premium starts at $10,000, and pricing may vary depending on risk characteristics and state. Need help placing an account? Connect with a market specialist.

... exterior cleaning operations — residential and commercial — and can include p...gram?Routine exterior cleaning for residential and commercial properties—drive...