If you would like for us to work on a submission for you, send us your submission.  Simultaneously, go to “Get Appointed” on site and fill out the producer agreements along with a copy of your current agency license, current E&O Dec Page, W9 and where required (such as California) your Broker Bond. This information can be faxed to your Underwriter at (813) 448-9310 or emailed to your Underwriters email box.

Empire does not require any premium or volume commitments from producers.  We charge no monthly access fees.  As an Insurance Producer, your expirations belong to you.

Empire is licensed in approximately 40 states nationwide and is able to also write on a non-admitted or Surplus Lines basis in numerous states including FL, CA, TX, AZ, NJ, and CO.  Before we opened our doors in 2005, we surveyed retailers across the country asking them what did they want in a wholesaler. The answer was the same everywhere; knowledgeable people, quick turnaround on quotes and fast service.

Commissions vary from program to program or carrier to carrier and state to state.  Most workers’ compensation programs paying on average 5-8%.  Most Employee Leasing/PEO commissions are 7-10% and most General Liability commissions are 10-15%.  You may retain your commissions on General Liability policies. Workers Compensation commissions are paid as earned.   Each quote sent to you will have the commission for that product noted clearly on the quote.  Higher commissions are available to higher volume producers. Empire pays commissions as we are paid from our carriers and we generate our commission checks usually within 15 days from receipt of carrier.

Yes, have several carriers that can provide same day quotes with a complete submission and we are typically able to bind the same day.

Yes we do.  The best way to complete a submission for a “no prior” or “new venture” is to provide the reason for no prior coverage in the submission and if a new venture, provide a resume on the owners.

We aim to answer your calls live, be more responsive, give you quick and thorough answers you can rely on, and to get you your quotes as quickly as possible so that you can compete.  We realize that we will only grow as we help you grow.   We are committed to our producers and are committed to making our processes easier to work with and more efficient to make your experience with us more profitable for you.

Our management and Tech staff are diligently working on this to bring this to availability for our producers.   We will send out announcements to our producers letting them know as soon as our ability activate this part of our portal is available.

At Empire, we will do the best we cannot to keep it a secret of any new Products, Programs, Carriers or offerings.  We will be aggressively adding programs to meet the needs of our Independent Agents and Brokers.  It is, for this reason, to your advantage to provide us with your email address and that of your key staff so that we may keep you constantly informed of our ever increasing product line.

On General Liability accounts, we require an executed premium finance agreement unless the premium is paid in full.  We will usually provide you with a quote with a premium finance agreement included unless you request otherwise. On Workers Compensation, all of our programs are a direct bill with payment plans varying by premium size & program.  When a quote is issued, the payment options are listed clearly in the quote.

Minimum premiums vary by carrier, by the state, and by the program.  Some Classes have particular minimums as well.  Until all carrier information is posted on the website, it is best to discuss your particular risk with an underwriter.

Typically, the answer for this is yes.  For Contractors risks, our in-house underwriters look for a way to say “yes” and for this reason, we feature General Liability carriers which can frequently help us accommodate the most difficult of risks.  For Workers’ Compensation, our Alternative Risk Department has the creative resources to make even the most difficult risks work, whether High Hazard, High Mod, Shock Loss or Multi-State exposures.

Yes. Several of our Workers Comp programs can and will include a Loss Control component, predicated on the terms of provided or on tailored to the needs of particular risk and insured.  Discuss this feature with your Underwriter the time of your submission and let he/she know what your insured is looking for.