Imagine your agency has an account with 500 employees and a workers’ comp premium approaching $2.5 million. What if their workers’ comp carrier terminates coverage or issues a notice of non-renewal? What if the account has tough class codes and multi-state exposure? Are your only options the state “assign risk pool” or “insurer of last resort?” Instead, you find them a tailored alternative workers comp program that delivers superior loss-control services; aggressive claims management and a 20 percent savings on their premium. In this case, Empire helped you save your client several hundred thousands dollars a year. Empire Underwriters LLC, of Tampa, is a wholesaler and Managing General Agent dedicated to the success of agents, brokers and their insureds. The human element is evident at Empire with brokers taking inbound calls in real-time and a “no voice mail allowed” policy. With these efforts, Empire’s staff is able to have an indication for a “difficult” account, within 48 hours on average. “No account is too large or too small,” notes Greg Brittain, Senior Underwriter, “we have dedicated departments to handle accounts from 2 employees to 5,000.” Success Starts With Great People Empire Underwriters may only be five years old, but over 100 years of experience from its core executives has lead it to become a nationwide leader in alternative workers comp. The CEO has served on the board for several regional agencies, while consulting on marketing and distribution systems for agencies and carriers. Senior Underwriter, Greg Brittain, has experience at major firms such as Liberty Mutual and Willis and particular expertise in working with large books of workers’ comp business and aptly, large and complex accounts. Tough Accounts … No Problem Empire Underwriters can handle a wide array of coverages, from property and casualty to excess and surplus, with particular success in alternative workers’ compensation. “We can really place the toughest of accounts in workers’ comp,” CEO says. “Very few companies have the latitude or capacity to underwrite an employer with multiple risk factors, including high X-Mod and tougher class codes.” Other Risk Factors Include:

  • Non-renewal or cancellation
  • Lapses in coverage or no prior coverage
  • A High Experience Modification
  • Tough class codes, multi-state exposure or adverse underwriting criteria
  • Being in a state fund, assigned risk pools or insurers of last resort
  • Combinations of the above factors

Agents with accounts such as these can expect Empire to tailor an alternative workers comp product to help their clients save money, and in some extreme cases, stay in business. Empire works with facilities providing coverage from more than a dozen highly rated, brand name carriers such as Hartford, AIG and Zurich. Creative Distinction “It is all about the policyholder. What are their strengths and deficiencies? Where can we step in to shore up loss control and reduce their workers comp? The strength of our programs is the collaboration between all parties,” assures Brittain. “Empire’s difference is our ability to provide our agents and the policyholder with a plan that truly helps to improve their bottom line.” Alternative workers’ comp products may provide solutions including the assistance of a professional employer organization (PEO). Empire has special contracts with top PEOs due to volume and proficiency. With these greater underwriting boxes, Empire has the ability to take more risk. Whether through standalone carriers, PEOs, high-deductible programs, retro or other features, Empire can deliver superior savings and service in the alternative workers’ compensation arena. “Such capabilities is what our agents are looking for,” CEO says. “They don’t want a cookie-cutter approach. Whether standalone, retro or bundled services, it has to benefit the policyholder by reducing their risk and saving them money. But they need answers and they need them quickly. That’s what our goal is on each and every account.”