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Mom & Pop Small Business workers comp Program- Instant Online Indications
- As Few As 1-5 Employees
- Minimum Premium $500
- Same Day Quote and Bind
learn more- No Loss Runs Required
- No Prior Coverage Okay
- No Mod Restrictions
- 12% Commissions
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Large Deductible Workers Comp- Aggressive Pricing
- Broad Class Code Acceptance
- Multi-State Operations OK
- AXV Rated Carrier
learn more- Loss Sensitive Rating Plans
- Available in Most States
- Top Commissions
- High X-Mod Okay
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Roofers General Liability- Fast Online Indications
- Access "A+" Rated Carriers
- New Residential & Tract Home Roofer Okay
- Commercial & Industrial Features
learn more- Rating Basis Is Gross Receipts and/or Payroll
- Products/Completed Operations Included
- New Ventures And Lapse In Coverage Okay
- Coverage Available In Most States
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Workers Comp For Staffing Companies- Several "A" Rated Carriers
- Broad Class Code Acceptance
- Guaranteed Cost
- First Dollar Coverage Options
learn more- Large Deductible Options
- Blue, Grey, or White Collar
- High X-Mod, Prior Claims & Lapse
- Top Commissions
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Workers Compensation for Contractors- Several "A" Rated Carriers
- Broad Class Code Acceptance
- Guaranteed Cost
- First Dollar Coverage Options
learn more- Large Deductible Options
- High X-Mod, Prior Claims & Lapse
- Monthly Payroll Reporting
- Top Commissions
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National Leader in High Hazard & Tough to Place Risks- Several "A" Rated Carriers
- Multi-State Operations
- Guaranteed Cost
- First Dollar Coverage Options
learn more- Large Deductible Options
- Blue, Grey, or White Collar
- High X-Mod, Prior Claims & Lapse
- Top Commissions
Testimonials
What Top Agents & Agencies Think of Empire Underwriters
Our Programs & Products
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All Products
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All Workers Comp
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Alternative Markets
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General Liability
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General Liability & Property
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Property Markets
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Wind Program
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Earthquake DIC & Flood
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Tools
Inland Marine
BPP -
Excess & Umbrella
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Contractors Pollution
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Environmental
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Liquor Liability
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Tank Liability
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E&O / D&O
Professional -
Restaurant & Hospitality
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Garages, Dealers / GKLL
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Truckers & Transportation
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USL&H
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PEO
Selected State
Change State
MGA Binding Authority - Agent
Wholesale Brokerage Facility
Access To Top Carriers
Empire provides you the access to a wide variety of top rated carriers for handle the simplest to most complex risks.
Commitment to Service
Live brokers answering your calls with straight answers, fast quotes and helping you help your agency grow.
New Online Rater
Get your Online Workers Comp and General Liability indications and track your submissions on our new Online Rater!
Top Products
Standalone Workers Comp
(including AIG, AmTrust, Benchmark, Employers, Guard, National Liability & Fire, Normandy, RTW)
- Small Business Workers Comp
- AIG Workers Comp
- National Liability and Fire Company
- Benchmark Workers Comp – 180 Classes (CA Only)
Alternative Market Workers Comp
(including carriers such as Ace, Zurich, AIG, Argonaut, Amtrust, Lion, Sunz and more)
- High Deductible Plans
- Retrospective Plans
- Administrative Service Organization/ASO
- Professional Employer Organization/PEO
General Liability
(including Century Surety, Hannover, United Specialty, Endurance, Starr, Benchmark, others)
- General Liability Programs – CGL Broad Classes
- Contractors & Artisans General Liability
- Roofers General Liability
- Paper Contractors &/or General Contractors GL
Commercial Excess
- RLI
- StarStone
- United Specialty Insurance Company
- Lloyds of London
Specialty Market
- Tank Liability – Pollution – ACE Insurance
- Contractors Pollution Liability – ACE Insurance
- Cyber Liability – ACE Insurance
Commercial Property
- Century Surety
- Berkshire Hathaway
- United Specialty Insurance Company
- Steadfast (Zurich)
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A Few of Our Products & Programs
Workers Compensation Insurance
Your customers are looking for affordable Workers Comp coverage that keeps them compliant and covered. Empire has a broad carrier selection enabling you to provide coverage for established, new, and even hard to write companies. Try CoverageLoop our online rater.
Standalone Workers Compensation for Staffing Companies
Finding a Workers Compensation program for Staffing companies can be a daunting task. Empire’s programs feature coverage in 46 states and have a broad class code acceptance.
Alternative Workers Comp
Empire Underwriters is the National Leader in Alternative Workers Comp insurance. Our Alternative Workers Comp program has flexible options and great commissions. Send us your submissions for review.
Tough or Difficult to Place Risks
Empire Underwriters is the National Leader in “Tough” or Difficult to Place Risks. Our High Hazard risks program is tailored for those clients who have distress or hard-to-write workers comp needs. Send us your submissions for review.
High Hazard Risks
Empire Underwriters is the National Leader in High Hazard Risks. Our High Hazard risks program is tailored for those clients who have distress or hard-to-write workers comp needs. Send us your submissions for review.
USL&H/Marine Insurance Coverage
Are you looking for Workers Compensation coverage for clients that work “on, above, near or around water?Empire Underwriters has an in-depth understanding of the USL&H marketplace and provides you and your clients with considered advice, exceptional service, and creative solutions.
Professional Employer Organization - PEO
Whether High-Mod, High Hazard, Multi-State Exposure, we have the capacity, access and expertise to get customer the right coverage for the right price. PEO Stands for Professional Employee Organization (PEO) and ASO stands for Administrative Service Organization. Employee Leasing gives your clients the chance to outsource some of the more tedious business burdens and non-income producing functions such as payroll, HR management, benefits administration, and will most importantly enable them to obtain Workers Compensation at significantly reduced rates. Empire partners with the largest and most reputable Employee Leasing companies nationally to provide your clients with affordable solutions and exceptional service.
PEO for Staffing Companies
Empire Underwriters PEO for Staffing Companies program has tailored made solutions for each risk. The program also offers flexible payment options and aggressive commissions.
Tract Home Builder Program - AXV
AXV Rated Carrier by AM Best. For builders 10 Homes or more. Same day indications with full submission.
Commercial GL and Property Package
Are you looking for a property and general liability package to fit your commercial classes? Our new package program from Endurance helps you to better handle the needs of your commercial clients.
Commercial General Liability Monoline 300+ Classes
Our new Commercial General Liability program from Endurance offers coverage to over 300 different commercial classes.
Contractor General Liability - Monline AXV
Empire features 5 General Liability Carriers with AM Best Ratings ranging from B+ to AXV. We can provide coverage to Artisan Contractors, Builders, Developers as well as Construction Managers and Supervisors. Empire has carriers that can provide General Liability Insurance for your customers that are new ventures, “have no-prior”, lapse in coverage, cancelled or with prior claims.
Contractor BOP/GL and Property Package
We can provide coverage to Artisan Contractors, Builders, Developers as well as Construction Managers and Supervisors. Empire’s new partnership provides General Liability and Property coverage for your new ventures, no prior, lapse in coverage, or cancelled clients.
Contractors General Liability - Brokerage Markets
Our Brokerage Department is available to assist your agency in placing your middle market, larger or more difficult commercial risks. With over a dozen highly rated carriers to choose from, and decades of combined experience in the brokerage sector and surplus lines marketplace, we provide you with the markets, expertise and support you need in placing the account.
Commercial Excess Program
Empire’s Commercial Excess Liability Program gives your clients an added layer of liability protection over and above your commercial policies. We have partnerships with multiple national “A” rated carriers to provide your clients with the coverage they need.
Roofer's General LIability Programs
Get your Online Roofer GL Indications and track your submissions on our new 
Online Rater!
Online Rater!
Concrete Contractor General Liability Program
Concrete is often the foundation construction projects, and correct usage requires a lot of planning and precise execution on a regular basis. For a concrete contractors the last thing they want to be worrying about is how to manage their insurance risks. As an agent we want to make it convenient for you to get the right coverage that why we have products and programs great for Concrete Contractors.
Wrap Up Coverage - AXV
Wrap Up programs are a comprehensive General Liability Insurance project-specific policy that combines coverage normally provided separately by different parties. In WRAP policies all participating contractors and subcontractors avoid having multiple carriers at odds in a claim settlement situation and allow for tighter, more consistent safety procedures. The 3 key elements of a Wrap Up Policy are Coverage, Control and Cost Savings..
Contractors Pollution Liability
Contractors Pollution Liability provides coverage to general contractors, construction managers, and various trade contractors who could potentially have both pollution and professional claims. CPL/Professional provides coverage for E&O exposures for contractors.
Building Materials Distributors & Manufacturers Program
Empire has a new 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.
Commercial & Personal Property Coverage
We are now offering Commercial and Personal Insurance Lines. Empire offers a wide range of specialties when it comes to Property Insurance..
Builders Risk Insurance & Course of Construction
Whether your customer is a Contractors or Owner Builder, you are in need to Builders Risk Insurance or “Course of Construction” Insurance Policy. Quotes usually same day with Admitted company Rated AXV by AM Best.
Business Owners Package - BOPs
A business owners policy, also known as BOP insurance, combines property insurance, liability insurance, crime coverage and additional protection into one convenient package. Empire offers a wide range of solutions to help your clients.
