HIGH RISK & X-MOD WORKERS COMP – CALIFORNIA
Professional Employer Organization
Empire Underwriters recommends our Alternative Workers Compensation program for insured’s that have high risk governing codes and high experience modifiers. If you have clients that have no option other than the State Compensation Insurance Fund, then we have the best solution for you.
This tailored program is designed specifically for risks that have operations and employees entirely in the state of California. This program gives your clients “low price with significant hard dollars saved.” This program also offers your clients low start-up fees as well as a pay-as-you-go option.
Help your clients find the best Workers Compensation option for their company while helping them free up immediate cash flow. Send us your High Risk and High X-Mod Workers Compensation submissions.
BROAD ELIGIBLE CLASS CODES: (MANY MORE AVAILABLE)
Trucking / Transportation / Furniture Movers
Janitorial / Property Management / Residential Cleaning
Food Processing / Bakeries
Retail / Wholesale
Hazardous Material Handling
Greater than 25% Use of Part-Time Labor
EXPERIENCE MODIFIERS CONSIDERED:
Ideal Risk’s Have X-Mod at 1.30 and Above
Will Consider Risk’s with X-Mod’s Between 1.0 and 3.0
$100,000 Trucking Exposures
UPLOAD & SEND SUBMISSION
Admitted “A” Excellent (VIII) Rated Carrier by A.M. Best Company
Insured’s Retain Their X-Mod
Vacation, Holiday & Sick Pay
Workers Comp Claims Management
Post Accident & Reasonable Suspicion
Unemployment Insurance Controls
Employer Protection Policies & Services
Industry Specific Supplemental for Towing, Trucking, Landscaping etc.
3 Years Loss Runs (Fully Valued)
Copy of X-Mod from NYCIRB