Empire Underwriters, LLC
Contact Us
contact_phone Click to call
Empire Underwriters, LLC
Contact Us
contact_phone Click to call
High Risk & High X-Mod Workers Comp

Empire Underwriters recommends our Alternative Workers Compensation program for insured's that have high risk governing codes and high experience modifiers. If you have clients that have no option other than the State Compensation Insurance Fund, then we have the best solution for you.

This tailored program is designed specifically for risks that have operations and employees entirely in the state of New York. This program gives your clients "low price with significant hard dollars saved." This program also offers your clients low start up fees as well as a pay-as-you-go options.

Help your clients find the best Workers Compensation option for their company while helping them free up immediate cash flow. Send us your High Risk and High X-Mod Workers Compensation submissions.

Broad Eligible Class Codes (Not a Complete List):

  • Trucking / Transportation / Furniture Movers
  • Food Processing / Bakeries
  • Cold Storage
  • Janitorial / Property Management / Residentail Cleaning
  • Retail / Wholesale
  • Manufacturing
  • Hospitality
  • Drivers
  • Warehouse Operations


  • Construction
  • Temporary Staffing
  • USL&H Exposure
  • Hazardous Material Handling
  • Seasonal Operations
  • Greater than 25% Use of Part-Time Labor
  • Armed Guards

Experience Modifiers Considered:

  • Ideal Risk's Have X-Mod at 1.30 and Above
  • Will Consider Risk's with X-Mod's Between 1.0 and 3.0

Minimum Premium:

  • $75,000
  • $100,000 Trucking Exposures

PEO Benefits:

Workers Compensation:

  • Admitted "A" Excellent (VIII) Rated Carrier by A.M. Best Company
  • Insured's Retain Their X-Mod

Pay Roll Administration:

  • Payroll Taxes
  • Government Reporting
  • Management Reporting
  • Cost Analysis
  • Record Keeping
  • Salary History
  • Payroll Processing
  • Vacation, Holiday & Sick Pay
  • Paperwork Reduction

Risk Management:

  • Workers Comp Claims Management
  • Safety Surveys
  • Drug Testing
  • Record Keeping
  • Unemployment Insurance Controls
  • Employer Protection Policies & Services
  • Post Accident & Reasonable Suspicion

Submission Requirements:

  • Acord 130
  • 3 Years Loss Runs (Fully Valued)
  • Copy of X-Mod from NYCIRB
  • Industry Specific Supplemental for Towing, Trucking, Landscaping etc.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Underwriter and Excess & Surplus Lines Broker
  • Admitted:
    All Available Markets
  • Carriers:
  • Carrier Ratings:
    Admitted A Rated Carrier
  • Commission:
    Up To 10%
  • Min Premium:


Request a Quote Now!



There are no locations attached to this storefront.
CompleteMarkets is The Insurance Industry's Professional Network
Please Register for FREE or Sign In to contact
Not an Insurance Agent? No problem, we help hundreds of people find the right agent/advisor every day!
Visit our dedicated Insurance Consumer section and we will recommend the right agent for your specific needs.

Empire Underwriters, LLC has other insurance programs like “Tough” or Difficult to Place Risks Program.