Workers Compensation

High Risk, High X-Mod, Multi-State – Empire Underwriters Can Help Cover Almost Any Client

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Cover Your High-Risk Clients

Empire Underwriters Can Help You Cover Your High-Risk Clients – Roofers, Contractors, Staffing Agencies – Contact Our Knowledgable Staff Today To Get Started

High X-Mod? No Problem

At Empire Underwriters, We Can Help You Provide Coverage Almost Any Case – We Have Programs & Coverages That Can Provide The Coverage Your Clients Need Even in Most High X-Mod Cases

High Risk & High Hazard Coverage

High Hazard or Tough Class clients? Distressed or Lapsed Accounts? New Ventures or Multi-State? Empire Underwriters can help you provide coverage in most cases. From Stand Alone Workers Comp to HR Services & Support, contact our knowledgeable and resourceful staff and start doing more for your clients today!

High X-Mods? No Problem

With the ability to cover X-Mod ratings of 1.30 to over 5.00, Empire Underwriters wants to assist you with your High X-Mod accounts. Our program features many “A” rated carriers, large deductible, and dividend plans, expert loss control, and much more. Contact us today to start providing more for your clients.

Our Carriers

Agent Success Story

Providing The Proper Worker’s Compensation Program Saved A Client $200,000
Agent Challenge – An agency from Illinois contacted us with a Workers Compensation difficulty. The agent was working with a client in the roofing business who was paying astronomical premium costs due to being classified as a High-Risk Workers Comp business.

Empire Solution – Through Empire’s flexibility and influence, we were able to provide a customized Workers Compensation Program. Through this new program, we were able to properly classify those employees that fell outside of the High-Risk classification codes.

Results – Through working with Empire, the agent was able to provide the proper Workers Compensation Program. This new program more accurately reflected employee exposure and reduced the client’s cost by over $200,000 per year.

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