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