Empire features 5 General Liability Carriers with AM Best Ratings ranging from A 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”, a lapse in coverage, canceled or with prior claims.
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.
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.
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 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 Manufacturers & Distributors 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.