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


  • 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

Do More for your clients

Toll Free