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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.

...in Colorado that manages framing, roofing, and finish trades and requires comb...

Blue Collar Workers' Compensation Insurance Overview of the Program From Insential, Inc. Insential, Inc. offers a targeted Workers' Compensation program for blue collar trades and transportation-related businesses. This program is placed through Insential as an Excess & Surplus Lines broker and is designed for accounts with $600,000 or less in annual payroll. With long-standing wholesale relationships across regional and national carriers, Insential provides agents with access to markets that specialize in higher-risk manual-labor classes where admitted markets may be limited. Ideal Accounts and Appetite This program is a fit for small to mid-sized blue collar operations. Typical target classes include: Tree trimming and arborists Trucking (note: travel radius up to 500 miles) Logging & sawmills Welding and metal trades Concrete workers, pavers, carpentry, drywall Iron & steel, glaziers, sign installation Street & road construction, delivery & mail haulers (e.g., FedEx-type drivers) Junk dealers, moving & storage, farmers Accounts should generally have payroll totals at or below $600k. The program is aimed at businesses where manual labor and on-site operations create workers’ comp exposures that require specialized underwriting and market access. Coverage Highlights and Advantages Access to multiple E&S carriers that write higher-risk blue collar classes. Solutions for operations that have difficulty placing with standard markets. Underwriters experienced with construction, transportation, and trade exposures. Flexibility in structure and policy terms compared with narrow admitted-market options. Insential's brokerage strength and carrier relationships are leveraged to advocate for competitive terms and timely placements. Underwriting Notes and Minimum Premiums Key underwriting considerations: Payroll cap: the program is intended for accounts with $600,000 or less in annual payroll. Trucking appetite generally allows operations with typical travel up to a 500-mile radius; specialized hauling or higher-risk operations may require separate review. Class-specific exposures (e.g., logging, paving, welding) will be underwritten according to carrier appetite and loss history. Minimum premium: varies by carrier and state—Insential will confirm minimums during quote submission. Territories and Availability The program is available in most states. Specific availability includes: AL, AK, AZ, CA, CO, DE, FL, HI, IN, KY, LA, MD, MA, MI, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, PA, RI, TX, UT, VA, DC, WY. As an E&S placement broker, Insential can often access markets where admitted options are restricted. Why Work With Insential on Blue Collar Workers' Compensation Insential focuses on connecting agents to carriers that understand blue collar exposures. With more than three decades of wholesale experience, Insential's team negotiates terms, places difficult classes, and supports renewals and mid-term adjustments. For agents managing accounts that require tailored Workers' Compensation solutions—especially those close to the payroll threshold or operating in higher-risk trades—Insential provides market access and underwriting advocacy. To discuss specific submissions or appetite questions, agents should contact their Insential wholesale representative. For program-level inquiries about this Blue Collar Workers' Compensation offering, reference Tony Pulgine at Insential. Frequently Asked Questions What types of accounts are a good fit for this program?Small to mid-sized blue collar businesses with manual-labor exposures and annual payroll up to $600,000. Common fits include tree trimming, trucking (within a 500-mile radius), welding, concrete, carpentry, and similar trades. Is this an admitted program or E&S placement?Insential places this program through the Excess & Surplus Lines market. Availability spans most states; specific admitted vs. non-admitted options depend on the state and carrier. What is the minimum premium?Minimum premiums vary by carrier and by state. Insential will confirm applicable minimums during the quoting process based on the class codes and payroll provided. How should I submit a risk for consideration?Submit the usual underwriting package for Workers' Compensation: current payroll breakdown by class, loss runs (preferably 3–5 years), and a description of operations. Insential's underwriters will review and advise on appetite and documentation needs. Are multi-state operations eligible?Multi-state exposures can be considered. State-by-state filings, class codes, and payroll allocation will affect placement—provide detailed payroll and operations information up front for the most accurate response. Need help placing an account? Connect with a market specialist.