We aim to answer your calls live, be more responsive, give you quick and thorough answers you can rely on, and to get you your quotes as quickly as possible so that you can compete. We realize that we will only grow as we help you grow. We are commitment to our producers and are committed to making our processes easier to work with and more efficient to make your experience with us more profitable for you.
Our management and Tech staff are diligently working on this to bring this to availability for our producers. We will send out announcements to our producers letting them know as soon as our ability activate this part of our portal is available.
At Empire, we will do the best we can not to keep it a secret of any new Products, Programs, Carriers or offerings. We will be aggressively adding programs to meet the needs of our Independent Agents and Brokers. It is for this reason it is to your advantage to provide us with your email address and that of your key staff so that we may keep you constantly informed of our ever increasing product line.
On General Liability accounts, we require an executed premium finance agreement unless the premium is paid in full. We will usually provide you with a quote with a premium finance agreement included unless you request otherwise. On Workers Compensation, all of our programs are direct bill with payment plans varying by premium size & program. When a quote is issued, the payment options are listed clearly on the quote.
Minimum premiums vary by carrier, by state and by program. Some Classes have particular minimums as well. Until all carrier information is posted on the website, it is best to discuss your particular risk with an underwriter.
Typically, the answer for this is yes. For Contractors risks, our in-house underwriters look for a way to say “yes” and for this reason, we feature General Liability carriers which can frequently help us accommodate the most difficult of risks. For Workers’ Compensation, our Alternative Risk Department has the creative resources to make even the most difficult risks work, whether High Hazard, High Mod, Shock Loss or Multi-State exposures.
Yes. Several of our Workers Comp programs can and will include a Loss Control component, predicated on the terms of provided or on tailored to the needs of particular risk and insured. Discuss this feature with your Underwriter the time of your submission and let he/she know what your insured is looking for.
Our Alternative Risk department is the one-stop specialist in dealing with adverse risk accounts. As PEOs typically combine Workers Compensation with Payroll and Loss Control, and as PEO is typically something that is new to your client, a knee-jerk reaction will usually follow. And that reaction is typically “NO”. People are usually not immediately receptive to something new. Further, a PEO may also contain a maze of other moving pieces or options and these, if not explained properly may add to the confusion for the client. We have listened to our producers and we know this not what you want. At Empire, have over 50 years combined experience in matching clients with the write Alternative Risk product, whether PEO, ASO or ESO. We won’t just “through numbers at you”. What sets us apart from others is our experience and expertise. Count on us to help your client see through the confusion as our Underwriters will spend the needed time with you and your client to assist them understand the what a PEO can do for them and how it can help them solve their risk management problems, time and most importantly, their hard earned money.