leaf graphicEmpire 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)

EXCLUSIONS

Trucking / Transportation / Furniture Movers

Janitorial / Property Management / Residential Cleaning

Hospitality

Cold Storage

Manufacturing

Food Processing / Bakeries

Retail / Wholesale

Drivers

Warehouse Operations

Construction

Hazardous Material Handling

Armed Guards

Temporary Staffing

Seasonal Operations

USL&H Exposure

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

MINIMUM PREMIUM

$75,000

$100,000 Trucking Exposures

PEO BENEFITS:

Workers Compensation:

Admitted “A” Excellent (VIII) Rated Carrier by A.M. Best Company

Insured’s Retain Their X-Mod

Payroll Administration:

Payroll Taxes

Cost Analysis

Payroll Processing

Government Reporting

Record Keeping

Vacation, Holiday & Sick Pay

Management Reporting

Salary History

Paperwork Reduction

Risk Management:

Workers Comp Claims Management

Record Keeping

Post Accident & Reasonable Suspicion

Safety Surveys

Unemployment Insurance Controls

Drug Testing

Employer Protection Policies & Services

SUBMISSION REQUIREMENTS:

Acord 130
3 Years Loss Runs (Fully Valued)
Copy of X-Mod from NYCIRB
Industry Specific Supplemental for Towing, Trucking, Landscaping etc.

Cutting Edge Submission Technology Powerd by Appulate

3 Easy Steps to Get Started

  1. Not Appointed with Empire Underwriters? Click Here to get started.
  2. Not Registered with Empire Submit or Appulate? IT'S FREE! There are no obligations or submission requirements. Sign Up Here
  3. Upload an ACORD form, OR NOT! Empire Submit allows you to enter submission data directly.

Already a Member of Empire Submit or Appulate? Select Your Submission Option Below.