Empire Core Underwriting Metrics

CORE Underwriting Criteria Unlikely Moderate Good Excellent
Expiring and/or “Anticipated” Renewal Workers Comp Premiums Under
$50,000
$50,000 –
$60,000
$61,000 –
$80,000
$80,000 –
$500,000
Experience Modifier (X-Mod) < 129 130 to 169 170 to 199 200 to 300
Governing Class Coed Base Rate Before Applying X-Mod <$8.50/$100 >$9.00/$100 >$10.00/$100 >$11.00/$100
Use of Part-Time Labor (Must Show FT & PT on Acord) > 30% <30% <20% <10%
Use of Seasonable Labor (Audited Using Acord & Supplemental Info) > 20% <20% <15% <10%
Median Annual Wage for Governing Class Code (None Trucking / Transportation)

  • Must average 30 hours per week, 50 weeks per year
  • Audited using Acord 130 Gross Wages & Employee Counts
< $22,000 / yr $24,000 / yr $26,000 / yr $28,000 / yr
Median Wage for Governing Class Code (Trucking / Transportation)

  • Must average 30 hours per week 50 weeks per year
  • Audited using Acord 130 Gross Wages & Employee Counts
<$33,000 / yr $34,000 / yr $36,000 / yr $42,000 / yr
Use of Low Rate Class Codes (Use of 8810 / 8742 etc.)

  • As % of Gross Payroll
  • Audited using Acord 130 wage distribution information
> 30% 30% 25% < 25%
Total # of Standard Markets Competing and Releasing Quotes for the submitted risk 4 or More (Including SCIF) 3 (Including SCIF) 2 (Including SCIF) SCIF Only