Workers Comp for Contractors & Artisans

By | Construction | No Comments

Program Highlights:

  • Excellent Rates
  • “A” Rated by A.M. Best
  • Instant Online Indications
  • Credits Available Up to 40%
  • Dividend Programs
  • Standalone Workers Comp
  • Monthly Self-Reporting
  • No Change of Payroll Systems
  • New Ventures Okay
  • Tough Classes Okay

Available States:

39 States, including CA, NY, FL, IL, and TX

Commission:

Up To 1o%

Submission Requirements:

  • ACORD 130
  • 3-4 Year Loss History
  • Details on Large Losses
  • Contractor Supplemental

Target Classes:

  • Air Conditioning
  • Building Operations
  • Carpentry
  • Concrete Construction
  • Door / Window Install
  • Drywall Install
  • Electricians
  • Excavation
  • HVAC Contractors
  • Janitorial
  • Landscaping
  • Masonry
  • Painters & Waterproofing
  • Plastering
  • Plumbing
  • Sewer Construction
  • Sheet Metal
  • Sprinkler Install
  • Street / Road Construction

Building Materials Manufacturers and Distributors Program

By | Construction | No Comments

Available States:

CA, TX, NV

Carrier Rating:

AVI Admitted

Commission:

10%

Program Highlights:

Empire has a new Program – General Liability insurance for manufacturers and distributors of building materials and products. This program is available to accounts that manufacture or distribute products or services utilized in Home or Building Construction. Contractors’ licenses are not required for eligibility for this program.

Eligible Classes Include: (Many More Available)

  • Appliance Distributors and Manufacturers
  • Building Material Distributors
  • Door and Window Manufacturers
  • Electrical Equipment Distributors and Manufacturers
  • Heating and Air Conditioning Equipment
  • Locksmiths
  • Lumberyards
  • Manufacturers
  • Metal Goods Dealers
  • Paint Manufacturers
  • Plumbing Suppliers
  • Wood Products Manufacturers
  • And Many More . . . .

Concrete Contractors Program

By | Construction | No Comments

Target Classes

  • Concrete Foundation
  • Foundation Repair
  • Tilt-up
  • Paving
  • Flat-work
  • Masonry
  • House Movers
  • Demolition

STATES

CA, TX, NV, OR, MN, WA

COMMISSIONS

• 10% to 15%

SUBMISSION REQUIREMENTS

  • ACORD 125 & 126
  • Contractor Supplemental

Program Highlights

  • AVII by AM Best
  • Admitted Carrier
  • GL Limit: Up to $2 Million
  • Blanket AI Available
  • Completed Ops Endorsement
  • Condo Work with Buy-back Okay
  • CG201185 Equivalent

Appetite

  • Open Claims
  • Tough Classes
  • Cancelled – Lapsed
  • New Ventures
  • New Construction
  • Repair Work Okay
  • Residential
  • Commercial & Industrial
  • Paper Contractors OK

Contractor GL and Property Package

By | Construction | No Comments

Highlights

  • Fast Quotes – Same Day Bind & Issue
  • New Construction OK
  • Town Home, Apartment & Condo OK
  • Residential & Tract Home OK
  • Blanket Additional Insured
  • Completed Operations Endorsements
  • Excess Liability up to 5M
  • Primary & Non-Contributory Blanket
  • Roofers OK – Hot Tar – Open Roof Endorsement

Program Features

  • A.M. Best Rated AXV Carrier
  • $2000 Minimum Premium
  • $500 Minimum Deductible
  • ISO Form GL
  • 1Mil -2Mil Limits
  • In-House Authority

Available States:

Available in Most States

Commission:

13%

Submission Requirements:

  • Acords for GL
  • Acords for Equipment
  • Acords for Property
  • Supplemental

Featured Carrier

Endurance

Target Classes

  • Liability Classes
  • Carpentry
  • Concrete & Asphalt
  • Developer – Builder
  • Drywallers
  • Excavation & Grading
  • General Contractors
  • Metal Erectors
  • Masonry
  • Paving
  • Pipeline & Plumbers
  • Pool Contractors
  • Road & Bridge Contractors
  • Roofing Contractors
  • Septic & Sewer Contractors
  • Sheet Metal
  • Property Classes
  • Office or Commercial Buildings
  • Warehouse / Shop
  • Equipment / Inland Marine
  • Equipment Yards
  • Office Contents / BPP
  • Tools / Equipment Floater
  • Contractor Equipment
  • Miscellaneous Property

Workers Comp for Contractors & Artisans

By | Construction | No Comments

Program Highlights:

  • Excellent Rates
  • “A” Rated by A.M. Best
  • Instant Online Indications
  • Credits Available Up to 40%
  • Dividend Programs
  • Standalone Workers Comp
  • Monthly Self-Reporting
  • No Change of Payroll Systems
  • New Ventures Okay
  • Tough Classes Okay

Available States:

39 States, including CA, NY, FL, IL, and TX

Commission:

Up To 1o%

Submission Requirements:

  • ACORD 130
  • 3-4 Year Loss History
  • Details on Large Losses
  • Contractor Supplemental

Target Classes:

  • Air Conditioning
  • Building Operations
  • Carpentry
  • Concrete Construction
  • Door / Window Install
  • Drywall Install
  • Electricians
  • Excavation
  • HVAC Contractors
  • Janitorial
  • Landscaping
  • Masonry
  • Painters & Waterproofing
  • Plastering
  • Plumbing
  • Sewer Construction
  • Sheet Metal
  • Sprinkler Install
  • Street / Road Construction

Special Texas Standalone Workers Comp

By | Construction | No Comments

Program Features:

  • Rated AM Best A- VI
  • Guaranteed Cost
  • Large Deductibvle Options
  • Monthly Payroll Reporting
  • Aggressive Claims
  • Only in the state of Texas
  • Minimum Premium is 5,000
  • Lower than State Pool

Appetite:

  • Contractors & Construction
  • Trucking & Hauling
  • Oil & Gas
  • Machine Shops
  • Restaurants & Hospitality
  • Warehouse & Storage

Available States:

Texas Only

Commission:

Up To 1o% first year, 8% each year thereafter

Program Features:

  • ACORD 130
  • 3 Year Loss History
  • X-Mod Sheet
  • WC Supplemental

Target Classes:

  • Automotive Lube
  • Building Material Dealers
  • Concrete or Cement Work
  • Clearing and Grading of Land
  • Carpentry– Interior
  • Drywall Installation
  • Electrical Apparatus Instal
  • Electricians
  • Garbage Collection
  • Hotels/Motels
  • Hospitals & Surgical Facilities
  • HVAC– Heating and Cooling
  • Landscaping
  • Lawn Maintenance
  • Mail Delivery by Contractors
  • Medical Centers
  • Metal Goods Manufacturing
  • Millwright
  • Machine Shop
  • Oil or Gas Lease Work
  • Oil or Gas Well Equip. Rental
  • Plumbers & Supply Dealers
  • Propane Dealers and Drivers
  • Pipe Cutting and Welding
  • Restaurants
  • Repair Shops
  • Retail Stores
  • Sand & Gravel Haulers
  • Sheet Metal Work
  • Supermarket
  • Trucking & Transportation
  • Wholesale Stores

AIG Workers Comp Program

By | Automotive / Dealer, Construction | No Comments

Program Features:

  • Rated AXV by A.M. Best
  • 338 Classes
  • Guaranteed Cost
  • First Dollar Coverage
  • New Ventures Considered
  • X-Mod Up To 1.79
  • Direct Billing
  • Monthly Reporting
  • Fast Quotes
  • On-line Payment System

Appetite:

• Small businesses with
premiums ranging from
$7500 to $250,000
• New Ventures – Okay!

Available States:

Almost All States

Commission:

Up To 8%

Submission Requirements:

  • ACORD 130
  • 3 Years Loss Runs
  • Supplemental
  • X-Mod Worksheet

Target Classes:

  • Architect or Engineer Firms
  • Automobile Service or Repair Centers
  • Buildings Operation NOC
  • Carpentry Work
  • Ceramic Tile, Indoor Stone Work, etc
  • Colleges
  • Concrete or Cement Work
  • Door and Window Installation
  • Electrical Wiring
  • Excavation (Including Drivers)
  • Executive Officers
  • Homemaker Services
  • Hospital – Professional Employees
  • Inspection of Risks
  • Janitorial Services
  • Landscaping (Including Drivers)
  • Machinery or Equipment Erection
  • Nursing Home Health
  • Outside Salespersons, Collectors, etc
  • Painting & Shop Operations
  • Plumbing (Including Drivers)
  • Social Service Organization – All
  • Security Guards
  • Employees & Salespersons Store

Roofers General Liability

By | Construction | No Comments

Featured Carriers

  • W.R. Berkley Corporation
  • Starr Companies
  • Endurance
  • State National Companies
  • Benchmark Insurance Company
  • Lloyd’s

STATES

Most States

COMMISSIONS

• Up to 15%

SUBMISSION REQUIREMENTS

  • ACORD 125 & 126
  • Roofers Supplemental

Program Highlights

  • A” Rate Carriers up to AXV
  • No Open Roof Exclusion with Some Pgms
  • Torch Down Without Sub-Limit
  • Hot Tar Okay
  • Completed Operations Endorsement
  • Minimum Premium $2,500
  • Very competitive from $5000 to $250,000
  • Admitted Carriers
  • Non-Admitted Carriers
  • Fast Quotes

Appetite

  • New Residential – Okay
  • Tract Home – Okay
  • Commercial and Industrial – Okay
  • No Prior, Lapsed or New In Business Okay
  • Tear-Off Roofers Okay
  • Sheet Metal, Solar Panel or Skylight Operations Okay

Alternative Workers Comp

By | Construction, High Hazard, Truckers & Transportation, USL&H | No Comments

PROGRAM FEATURES

AM Best Rated “A” Carrier
No Premium Deposit
10-30% Lower than State Pools

Large Deductible Options

  • No Annual premium Audit
  • Aggressive Dividends
  • X-Mods from 1.30-5.00 or higher
  • Gaps, cancelled, & non-renewed OK!
  • Aggressive Claims Management
  • Pay Go with Payroll & HR Available

STATES

All States, except Monopolistic

COMMISSIONS

Up to 10%

SUBMISSION REQUIREMENTS

  • ACORD 130
  • 3 Year Loss History
  • X-Mod Sheet
  • WC Supplemental

WHO WE HELP

  • High Hazard class codes
  • Multi State Accounts
  • High X-Mod
  • Distressed Accounts
  • Non-renewed
  • Cancelled
  • Gap in coverage
  • Accounts in State Pools

TARGET CLASSES

  • Contractors
  • Staffing / Temp Agencies
  • Manufacturers / Fabrication
  • Logging / Woodworking
  • Truckers & Transportation
  • Warehouse Workers
  • Assisted Living / Nursing
  • Tower Work / Cell Sites
  • Farming / Agriculture
  • Energy / Oil & Gas
  • Moving & Storage
  • Tow Truck Operations
  • Roofing
  • Demolition
  • Limousine Services
  • USL&H – Marine Workers Comp

special-texas-standalone-workers-comp

By | Construction | No Comments

Appetite:

  • Contractors & Construction
  • Trucking & Hauling
  • Oil & Gas
  • Machine Shops
  • Restaurants & Hospitality
  • Warehouse & Storage

Program Features:

  • Rated AM Best A-VI
  • Guaranteed Cost
  • Large Deductible Options
  • Monthly Payroll Reporting
  • Aggressive Claims Handling
  • Only in the state of Texas
  • Minimum Premium is $5,000
  • Lower than State Pools

Commission:

  • 10% first year, 8% each year thereafter

Submission Requirements:

  • 3 Year Loss History
  • X-Mod Sheet
  • WC Supplemental

Sampling of Classes: (Many More Available)

  • Mail Delivery by Contractors
  • Trucking & Transportation
  • Sand & Gravel Haulers
  • Restaurants
  • Hotels/Motels
  • Millwright
  • Electrical Apparatus Instal
  • Electricians
  • Automotive Lube
  • Repair Shops
  • HVAC– Heating and Cooling
  • Plumbers & Supply Dealers
  • Supermarket
  • Concrete or Cement Work
  • Medical Centers
  • Hospitals & Surgical Facilities
  • Propane Dealers and Drivers
  • Metal Goods Manufacturing
  • Sheet Metal Work
  • Clearing and Grading of Land
  • Landscaping
  • Lawn Maintenance
  • Pipe Cutting and Welding
  • Machine Shop
  • Retail Stores
  • Wholesale Stores
  • Building Material Dealers
  • Garbage Collection
  • Carpentry– Interior
  • Drywall Installation
  • Oil or Gas Lease Work
  • Oil or Gas Well Equip. Rental