EMPIRE CORE UNDERWRITING METRICS

CORE Underwriting Criteria	Unlikely	Moderate	Good	Excellent
Expiring and/or “Anticipated” Renewal Workers Comp Premiums	Under $50,000	$50,000 – $60,000	$61,000 – $80,000	$80,000 – $500,000
Experience Modifier (X-Mod)	< 129	130 to 169	170 to 199	200 to 300
Governing Class Coed Base Rate Before Applying X-Mod	<$8.50/$100	>$9.00/$100	>$10.00/$100	>$11.00/$100
Use of Part-Time Labor (Must Show FT & PT on Acord)	> 30%	<30%	<20%	<10%
Use of Seasonable Labor (Audited Using Acord & Supplemental Info)	> 20%	<20%	<15%	<10%
Median Annual Wage for Governing Class Code (None Trucking / Transportation) Must average 30 hours per week, 50 weeks per year Audited using Acord 130 Gross Wages & Employee Counts	< $22,000 / yr	$24,000 / yr	$26,000 / yr	$28,000 / yr
Median Wage for Governing Class Code (Trucking / Transportation) Must average 30 hours per week 50 weeks per year Audited using Acord 130 Gross Wages & Employee Counts	<$33,000 / yr	$34,000 / yr	$36,000 / yr	$42,000 / yr
Use of Low Rate Class Codes (Use of 8810 / 8742 etc.) As % of Gross Payroll Audited using Acord 130 wage distribution information	> 30%	30%	25%	< 25%
Total # of Standard Markets Competing and Releasing Quotes for the submitted risk	4 or More (Including SCIF)	3 (Including SCIF)	2 (Including SCIF)	SCIF Only