High Hazard Programs

Empire Underwriter’s High Hazard Workers Comp product is built for tough or high hazard class codes, multi-state exposures, or clients with adverse underwriting criteria.

Program Features

Standalone Workers Compensation

Guaranteed Cost Options

Large Deductible Programs Options

Dividend Plans

Return of Premium Plans

Loss Control Assistance

Zero Premium Deposit & Pay As You Go Premium Deposit Options

Optional Payroll Service Including Full Tax Remittance & Compliance

Expert and Fair Claims Management

HR Services / Support

Optional Benefits Admin

PEO Available

appetite & focus

High Hazard or Tough Classes, X MOD of 1.30 or Greater, State Pool or Fund accounts, we can help your clients get the coverage they need. Send us your Blue, Gray & White Collar, Distressed or Lapsed Accounts. We work with No Prior, Cancelled, and Non-Renewed accounts regularly. Need coverage for a New Venture? No problem. Contact us and get appointed today. 

Submission Requirements


X-Mod Worksheet

3 Year Loss Runs


Click to View Target 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

Click to View 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

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