High Risk & X-Mod Workers Comp – California

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)

Trucking / Transportation / Furniture Movers

Janitorial / Property Management / Residential Cleaning

Hospitality

Food Processing / Bakeries

Retail / Wholesale

Drivers

Cold Storage

Manufacturing

Warehouse Operations

EXCLUSIONS:

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

UPLOAD & SEND SUBMISSION

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

Industry Specific Supplemental for Towing, Trucking, Landscaping etc.

3 Years Loss Runs (Fully Valued)

Copy of X-Mod from NYCIRB

 

© 2018 Empire Underwriters. The data appearing on this website is provided for                        informational use only and is in no way intended to assert or imply types of relationships                     with any carriers, or the like.