Alternative Workers Compensation Programs
Introducing Empire Underwriters Complete Alternative Workers Compensation Program. This program is designed for Distressed, High X-Mod, and High Hazard accounts. Do you have clients that are unable to receive affordable Workers Comp from standard programs?
We want to assist you with your distressed accounts – contact us and get appointed today!
Program Features
AM Best Rated "A" Carrier
No Premium Deposit
Up to 30% Cheaper than SCIF
Pay As You Go WC Taxes
No Annual Premium Audit
Accepts X-Mods from 130 - 300
Considers Risks with Gap, Cancelled, & Non-Renewed Accounts
Pay As You Go Payroll & HR
Aggressive Claims Management
Our Carriers
Target Classes (Many More Available)
- Manufacturing
- Artisan Contractors
- Heavy Construction
- Property Management
- Staffing
- USL&H
- Roofing
- Landscaping
- Demolition
- Excavation, Grading and Equipment
- Masonry and Concrete
- Painting
- Swimming Pool Contractors
- Pool Plastering
- Gunite Contractors
- Framing and Carpentry
- Janitorial
- Residential Cleaning
- Residential Care
- Transportation
- Freight Handlers
- Warehouses
- In Home Care and Assisted Living
- Farming
Appetite
- Accounts that wish to get out of a State Work Comp fund, a state “assign risk pool” or “insurer of last resort”
- Accounts are being Non-Renewed or cancelled by the “standard market” due to losses or exposure
- Any account that is headed to a State Insurance fund, “assign risk pool” or “insurer of last resort”
- Accounts that have X-Mods between 1.30 and 3.0
- Accounts with a credit mod but being Non-Renewed by current carrier due to heavy losses the prior year
- Lapse in coverages or accounts with No Prior coverage
- Tough or High Hazard class codes, multi-state exposure or adverse underwriting criteria
- Any combination of the above that makes the account difficult for the standard market to handle
- Tough and High Hazard Class Codes with some or all of the above criteria
- We will look at most any Class Codes from Clerical, to Manufacturers, Contractors, Health and Service to name few
Submission Requirements
Acord 130
3 Years Loss History
Loss History Affidavit for Lapse in Coverage or No Prior
Explanation of Claims Over $20,000
Experience Mod-Sheet
Supplemental for Class of Work
Forms & Applications
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