Workers Compensation for Contractors
  • Several “A” Rated Carriers
  • Broad Class Code Acceptance
  • Guaranteed Cost
  • First Dollar Coverage Options
  • Large Deductible Options
  • High X-Mod, Prior Claims & Lapse
  • Monthly Payroll Reporting
  • Top Commissions
National Leader in High Hazard & Tough to Place Risks
  • Several “A” Rated Carriers
  • Multi-State Operations
  • Guaranteed Cost
  • First Dollar Coverage Options
  • Large Deductible Options
  • Blue, Grey, or White Collar
  • High X-Mod, Prior Claims & Lapse
  • Top Commissions
Mom & Pop Small Business workers comp Program
  • Instant Online Indications
  • As Few As 1-5 Employees
  • Minimum Premium $500
  • Same Day Quote and Bind
  • No Loss Runs Required
  • No Prior Coverage Okay
  • No Mod Restrictions
  • 12% Commissions
Large Deductible Workers Comp
  • Aggressive Pricing
  • Broad Class Code Acceptance
  • Multi-State Operations OK
  • AXV Rated Carrier
  • Loss Sensitive Rating Plans
  • Available in Most States
  • Top Commissions
  • High X-Mod Okay
Roofers General Liability
  • Fast Online Indications
  • Access “A+” Rated Carriers
  • New Residential & Tract Home Roofer Okay
  • Commercial & Industrial Features
  • Rating Basis Is Gross Receipts and/or Payroll
  • Products/Completed Operations Included
  • New Ventures And Lapse In Coverage Okay
  • Coverage Available In Most States
Workers Comp For Staffing Companies
  • Several “A” Rated Carriers
  • Broad Class Code Acceptance
  • Guaranteed Cost
  • First Dollar Coverage Options
  • Large Deductible Options
  • Blue, Grey, or White Collar
  • High X-Mod, Prior Claims & Lapse
  • Top Commissions

Testimonials

What Top Agents & Agencies Think of Empire Underwriters

“I continue to be very impressed with your responsiveness, outstanding customer service, and attention to detail. Thanks so much!”

Janet Elliot 

Winter Group LLC

“Empire was successful and we got the insured out of SCIF while saving tens of thousands. Thank you so much for getting us in touch in Hugo!”

Michael Mahan 

Mahan Insurance Brokers, Inc

“I was very happy with how nice, professional, and efficient Empire staff to have been with my account. I couldn’t believe how fast they were able to get us bound to our services and coverage and I’m very thankful.”

Anthony Scibelli 

Randy Steen Aluminum Products, Inc

“I appreciate your help and professional approach to the account. I have enjoyed working with you and your team and hope to have the opportunity to do so again in the future. Thanks again!”

Robert Matthews 

Starr-Matthews Agency

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OUR PROGRAMS & PRODUCTS

  • All Products
  • All Workers Comp
  • Alternative Markets
  • General Liability
  • General Liability & Property
  • Property Markets
  • Wind Program
  • Earthquake DIC & Flood
  • Tools
    Inland Marine
    BPP
  • Excess & Umbrella
  • Contractors Pollution
  • Environmental
  • Liquor Liability
  • Tank Liability
  • E&O / D&O
    Professional
  • Restaurant & Hospitality
  • Garages, Dealers / GKLL
  • Truckers & Transportation
  • USL&H
  • PEO
  • Clear Results
Selected State
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MGA Binding Authority - Agent
Arch Insurance Group
General Liability & Property Package
A+ Rated Apartment Building Programs
Commercial General Liability Monoline 300+ Classes
Commercial GL and Property Package
Contractor General Liability – A Rated Carriers
GL and Property Package
Commercial Package Program
Roofers General Liability
Restaurant & Hospitality
"A" Rated Liquor Liability Program
Berkshire Hathaway Guard
Workers Compensation Insurance
General Liability
BOP General Liability
Restaurant & Hospitality
Guide One
Small Business Workers Compensation
Hallmark Specialty Insurance Company
General Liability & Property Package
A+ Rated Apartment Building Programs
Commercial General Liability Monoline 300+ Classes
Commercial GL and Property Package
Contractor General Liability – A Rated Carriers
GL and Property Package
Commercial Package Program
Roofers General Liability
Restaurant & Hospitality
National Fire and Marine (Berkshire Hathaway)
Commercial Property
Normandy Insurance Company
Workers Compensation
RLI - Mt. Hawley Insurance Company
A+ Rated Commercial Excess & Umbrella
RTW
Mom & Pop – Small Business Workers Compensation Program
StarStone (Torus)
A+ Rated Commercial Excess & Umbrella
Inland Marine, Contractor’s Equipment and Misc. Property Coverage
Texas Mutual
Workers Compensation
United Specialty Insurance Company
Environmental Liability Program
Contractor General Liability – A Rated Carriers
Rated A-VIII Non-Admitted by AM Best Rating
Commercial Property
General Liability
Inland Marine
Restaurant & Hospitality
A Rated Contractors' Pollution
General Liability Contractors 467 Classes
A Rated Tank Liability Insurance Policy – Pollution
Westchester
Express Motor Truck Cargo
Environmental Liability Program
General Liability
Professional E&O D&O
Employment Practices Liability Insurance
"A" Rated Liquor Liability Program
"A" Rated Bars & Taverns Liability Program
A Rated Tank Liability Insurance Policy – Pollution
A+ Rated Apartment Building Programs
Contractor General Liability – A Rated Carriers
Contractors Pollution Liability
Cyber Liability Insurance
Restaurant & Hospitality
Founders Insurance Company
"A" Rated Liquor Liability Program
"A" Rated Bars & Taverns Liability Program
Westchester Inland Marine
Express Motor Truck Cargo
Wholesale Brokerage Facility
AIG
AXV Workers Compensation from AIG
Contractor General Liability – A Rated Carriers
Contractors General Liability – Brokerage
Workers Compensation
Tract Home Builder Program
USL&H – Marine Workers Compensation
Wrap Up Coverage – OCIP/CCIP
A+ Rated Commercial Excess & Umbrella
Alaska National Insurance
USL&H – Marine Workers Compensation
Benchmark - Insurance Company
A Rated Admitted Program for Roofers, Developers, GCs
Contractors Workers Compensation Program
Building Materials Manufacturers and Distributors Program
California Standalone Workers Compensation
California WC – New Ventures – Lapse Okay
Contractor General Liability – A Rated Carriers
Roofers General Liability
Standalone Workers Compensation for Contractors
Alternative Market Workers Compensation
Falls Lake
“A” Rated Workers Compensation from Falls Lake
Frank Winston Crum Insurance
Alternative Market Workers Compensation
Hudson Specialty Insurance Company
Bars & Taverns Liquor Liability Program
Restaurant & Hospitality
Lexington (AIG)
Contractors General Liability – Brokerage
Tract Home Builder Program
Wrap Up Coverage – OCIP/CCIP
Lion Insurance Company
Alternative Market Workers Compensation
Lloyds of London
A+ Rated Apartment Building Programs
A+ Rated Commercial Excess & Umbrella
Brokerage General Liability Markets
Builders Risk Insurance and Course of Construction
Commercial Earthquake – DIC Coverage, Flood
Commercial Wind Coverage
Difficult to Place Commercial Property Coverage
Difficult/Tough Personal Lines Coverage – High Value and Lower Values
Earthquake – DIC Coverage, Flood
High Value, Coastal and Tough Homeowners Program
Lloyds of London Inland Marine & Misc. Property Coverage
Difficult to Place Property Coverage
Tract Home Builder Program
Wind Coverage
Wind insurance with Lloyd’s
Wrap Up Coverage – OCIP/CCIP
Roofers General Liability
National Liability & Fire
Workers Compensation
Contractors Workers Compensation
Seneca
A+ Rated Apartment Building Programs
Restaurant & Hospitality
State National Companies
Roofers General Liability
Alternative Workers Compensation
Tract Home Builder Program
Wrap Up Coverage – OCIP/CCIP
Sunz
Alternative Market Workers Compensation
Synergy Insurance Company
Alternative Market Workers Compensation
WR Berkley Group
Roofers General Liability
Brokerage General Liability Markets
Contractor General Liability – A Rated Carriers
Contractors General Liability – Brokerage
Tract Home Builder Program
Wrap Up Coverage – OCIP/CCIP
A+ Rated Garage, GKLL & Dealer Program
A+ Rated Commercial Excess & Umbrella
Kinsale Insurance Company
Roofers General Liability
Brokerage General Liability Markets
Contractor General Liability – A Rated Carriers
Contractors General Liability – Brokerage
Tract Home Builder Program
Wrap Up Coverage – OCIP/CCIP
A+ Rated Garage, GKLL & Dealer Program
A+ Rated Commercial Excess & Umbrella
WKFC
Property Program
Zurich
Builders Risk Insurance and Course of Construction
Workers Compensation for Staffing Companies
USL&H – Marine Workers Compensation
Zurich Inland Marine & Misc. Property Coverage
Alternative Market Workers Compensation
Selected Product Type
Change Product Type

COMMITMENT TO SERVICE

Live brokers answering your calls with straight answers, fast quotes and helping you help your agency grow.

NEW ONLINE RATER

Get your Online Workers Comp and General Liability indications and track your submissions on our new Online Rater!

ACCESS TO TOP CARRIERS

Empire provides you the access to a wide variety of top rated carriers for handle the simplest to most complex risks.

TOP PRODUCTS

STANDALONE WORKERS COMP

(including AIG, Benchmark, Guard, National Liability & Fire, Normandy, RTW
  • Small Business Workers Comp
  • AIG Workers Comp
  • National Liability and Fire Company
  • Benchmark Workers Comp – 180 Classes (CA Only)

ALTERNATIVE MARKET WORKERS COMP

(including carriers such as Ace, Zurich, AIG, Argonaut, Lion, Sunz and more)
  • High Deductible Plans
  • Retrospective Plans
  • Administrative Service Organization/ASO
  • Professional Employer Organization/PEO

GENERAL LIABILITY

(including Century Surety, Hannover, United Specialty, Starr, Benchmark, others)
  • General Liability Programs – CGL Broad Classes
  • Contractors & Artisans General Liability
  • Roofers General Liability
  • Paper Contractors &/or General Contractors GL

COMMERCIAL EXCESS

  • RLI
  • StarStone
  • United Specialty Insurance Company
  • Lloyds of London

SPECIALTY MARKET

  • Tank Liability – Pollution – ACE Insurance
  • Contractors Pollution Liability – ACE Insurance
  • Cyber Liability – ACE Insurance

COMMERCIAL PROPERTY

  • Century Surety
  • United Specialty Insurance Company
  • Steadfast (Zurich)

A FEW OF OUR PRODUCTS & PROGRAMS

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. Try CoverageLoop our online rater.

PRODUCT / PROGRAM DETAILS

Standalone Workers Compensation for Staffing Companies

Finding a Workers Compensation program for Staffing companies can be a daunting task. Empire’s programs feature coverage in 46 states and have a broad class code acceptance.

PRODUCT / PROGRAM DETAILS

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.

PRODUCT / PROGRAM DETAILS

Tough or Difficult to Place Risks

Empire Underwriters is the National Leader in “Tough” or Difficult to Place Risks. Our High Hazard risks program is tailored for those clients who have distress or hard-to-write workers comp needs. Send us your submissions for review.

PRODUCT / PROGRAM DETAILS

High Hazard Risks

Empire Underwriters is the National Leader in High Hazard Risks. Our High Hazard risks program is tailored for those clients who have distress or hard-to-write workers comp needs. Send us your submissions for review.

PRODUCT / PROGRAM DETAILS

USL&H/Marine 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.

PRODUCT / PROGRAM DETAILS

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.

PRODUCT / PROGRAM DETAILS

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.

PRODUCT / PROGRAM DETAILS

Tract Home Builder Program - AXV

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

PRODUCT / PROGRAM DETAILS

Contractor 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.

PRODUCT / PROGRAM DETAILS

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.

PRODUCT / PROGRAM DETAILS

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.

PRODUCT / PROGRAM DETAILS

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.

PRODUCT / PROGRAM DETAILS

Roofer's General Liability Programs
Get your Online Roofer GL Indications and track your submissions on our new  Online Rater!

PRODUCT / PROGRAM DETAILS

Concrete Contractor General Liability Program

Concrete is often the foundation of construction projects, and correct usage requires a lot of planning and precise execution on a regular basis. For concrete contractors, the last thing they want to be worrying about is how to manage their insurance risks. As an agent, we want to make it convenient for you to get the right coverage that why we have products and programs great for Concrete Contractors.

PRODUCT / PROGRAM DETAILS

Wrap Up Coverage

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.

PRODUCT / PROGRAM DETAILS

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.

PRODUCT / PROGRAM DETAILS

Building Materials Distributors & 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.

PRODUCT / PROGRAM DETAILS

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.

PRODUCT / PROGRAM DETAILS

Builders Risk Insurance & Course of Construction

Whether your customer is a Contractors or Owner Builder, you are in need of Builders Risk Insurance or “Course of Construction” Insurance Policy. Quotes usually same day with Admitted company Rated AXV by AM Best.

PRODUCT / PROGRAM DETAILS

Builders Owners Package-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.

PRODUCT / PROGRAM DETAILS