Hard to Place Workers Compensation
Offered by Empire Underwriters
Roofers Hard To Place Street And Road Excavation Workers Comp Hard To Place Workers Comp Tough Class Codes High Risk High Hazard High Mod Work CompDescription
Sampling of Classes: (Many More Available)
• Asbestos Abatement
• Bridge Painting
• Chemical Mixing and Manufacturing
• Crane Operations
• Demolition
• Exterminators
• Framing / Construction
• Furniture Movers
• Garbage Collection
• Janitorial with Wax Exposures
• Logging
• Paratransit
• Right of Way Cleaning
• Sign Installations
• Steel Erectors
• Tower Climbers
• Transportation
• Tree Pruning
• Truckers
• USL&H
• Window Cleaners
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 Benefits Administration - Obamacare
• 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
• Asbestos Abatement
• Bridge Painting
• Chemical Mixing and Manufacturing
• Crane Operations
• Demolition
• Exterminators
• Framing / Construction
• Furniture Movers
• Garbage Collection
• Janitorial with Wax Exposures
• Logging
• Paratransit
• Right of Way Cleaning
• Sign Installations
• Steel Erectors
• Tower Climbers
• Transportation
• Tree Pruning
• Truckers
• USL&H
• Window Cleaners
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 Benefits Administration - Obamacare
• 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
Details
$10K Minimum Limit
Carrier Information
Varies Per State
Admitted
Listing Contact
Greg Brittain VP Workers Comp & Alternative
Offered By
Availability 47 states
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Covered
Not Covered
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