Tower Group

States

AL, AZ, CA, FL, GA, IL, IN, KY, MS, MO, NC, NJ, NV, NY, PA, SC, TN, TX, VA, WV

Commissions

  • 6 to 10% Depending on Class, State and Experience

Premium Range

  • $750 Minimum – up to $10,000 Maximum

Submission Requirements

  • Completed Acord 130
  • Complete Description of Operations
  • 4 Years Loss Runs
  • Experience Mod-Sheet

Program Highlights

  • Rated “A-”by A.M. Best
  • Available in 28 States
  • More than 60 classes of business are acceptable for WC underwriting
  • Preferred WC Business: Restaurants, delis, supermarkets, retail establishments, private schools, dry cleaners, hotels, country clubs, and office workers, light manufacturing
  • Pricing: Scheduled Rating Plans and deviations vary by state. Guaranteed Cost

Program Applications

Target Classes (Many More Available)

  • Restaurants
  • Delis
  • Supermarkets
  • Retail
  • Private Schools
  • Dry Cleaners
  • Hotels
  • Country Clubs
  • Light Manufacturing

Excluded Exposures

  • Contracting Exposure
  • 24 hour business operations
  • Seasonal operations business
  • Sole proprietor, or solely executive officers
  • Risks with only family members as employee
  • Businesses with live entertainment
  • Risks above 25th floor

DOCUMENT SUBMISSION

Empire Submit Documents






 

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