The National Leader in High Hazard Risks

SAMPLING OF CLASSES:

(Many More Available)

  • Artisan Contractors
  • Butane, Propane, LPG Dealers / Install
  • Clearing, Grading or Land, Excavation
  • Demolition
  • Electrical Apparatus Installation
  • Electricians NOC
  • Excavation, Grading and Equipment
  • Farming
  • Framing and Carpentry
  • Freight Handlers
  • Gunite Contractors
  • Heavy Construction
  • In Home Care and Assisted Living
  • Janitorial
  • Landscaping
  • Limousine Services
  • Manufacturing
  • Masonry and Concrete
  • Millwright Work
  • Oil or Gas Lease Work
  • Oil or Gas Well Supplies Dealer
  • Painting
  • Pipe or Tube Manufacturing
  • Pipe Reconditioning
  • Pool Plastering
  • Property Management
  • Residential Care
  • Residential Cleaning
  • Roofing
  • Staffing
  • Steel or Iron Fabrication or Erection
  • Swimming Pool Contractors
  • Towing
  • Transportation
  • USL&H
  • Warehouses

TARGET RISKS FOR THIS MARKET:

  • Tough or High Hazard class codes, multi-state exposure or adverse underwriting criteria
  • Accounts that have X-Mods between 1.30 and 3.0 or higher
  • Accounts are being Non-Renewed or cancelled by the “standard market” due to losses or exposure
  • Accounts that wish to get out of a State Work Comp fund, a state “assign risk pool” or “insurer of last resort”
  • Any account that is headed to a State Insurance fund, “assign risk pool” or “insurer of last resort”
  • Lapse in coverages or accounts with No Prior coverage
  • Accounts that are distressed or are running out of coverage
  • Any combination of the above that makes the account difficult for the standard market to handle
  • Any account you are having difficulty placing

APPETITE:

  • High Hazard or Tough Classes
  • MOD 1.30 or Greater
  • Accounts in State Pools or Funds
  • Blue, Gray and White Collar
  • Distressed Accounts or Lapsed
  • No Prior, Cancelled, Non-Renewed
  • New Ventures – Ok
  • Multi-State Accounts our Specialty
  • Minimum Premium: $10,000
  • Minimum Payroll: $250,000

PROGRAM FEATURES:

  • Guaranteed Cost Options
  • Retroactive / Retro Options
  • High Deductible Programs Options
  • Dividend of “Return of Premium” Plans
  • PEO Options
  • Loss Control Assistance
  • Pay As You Go Options
  • Zero Premium Deposits Options
  • Expert and Fair Claims Management
  • HR Services / Support
  • Optional Payroll Service Including Full Tax Remittance and Compliance, 941’s, W-2’s

COMMISSIONS:

Great Commissions – ranges from 6 to 10% of Workers Compensation premiums (commissions vary by risk, governing code and size of account)

STATES:

AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WV, WI

SUBMISSION REQUIREMENTS:

  • ACORD 130
  • 3-4 Years Loss Runs
  • Details on Large Losses
  • Supplemental Questionnaire

FORMS AND APPLICATIONS:

UPLOAD & SEND SUBMISSION

 

© 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.