Commercial Insurance Lines

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. New Coverage Loop Online Raters!

Standalone Workers Comp for Staffing Companies

Finding a Workers Compensation program for Staffing companies can be a daunting task. Empires program features coverage in 46 states and has 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 Risk

Empire Underwriters is the National Leader in “Tough” or Difficult to Place Risks. Our difficult to place 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 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 the customer the right coverage for the right price. PEO Stands for Professional Employer 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.

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.

Contractors General Liability – Monoline 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”, a lapse in coverage, canceled 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 canceled 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.

Tract Home Builder Program – AXV

AXV Rated Carrier by AM Best. For builders 10 Homes or more. Same day indications with full submission.

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 and 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.

Business Owners Policy (BOP)

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.