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 Comp

Description

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

Details

$10K Minimum Limit

Carrier Information

Varies Per State

Admitted

Listing Contact

Greg Brittain VP Workers Comp & Alternative

Offered By

Empire Underwriters

19 listings in 50 states + DC

View Company

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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