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Agriculture Workers Comp Insurancecan often be hard to write. Empire has partnered with an "A" rated carreir in order to bring an Agriculture Workers Comp Insurance market to independent insurance agents. Empire Agriculture solutions covers a wide range of farm and agriculture industries. We also specialize in high hazard and tough to write accounts. If you are looking for a fast reponse and experience account handling, look no further than Empire Underwriters. Each of our brokers have over 20 years experience with workers comp accounts, there are not many situations that we have seen and not many situations where we cannot find a solution. Please contact us at 800-758-8113 to speak to our experienced brokers about your Agriculture Workers Comp Insurance accounts. Appetite: MOD 1.30 or Greater High Hazard or Tough Classes Blue, Gray and White Collar Accounts Accounts in State Pools or Funds Distressed Accounts or Lapsed No Prior, Cancelled, Non-Renewed New Ventures ... OK Multi-State Exposure our Specialty Hard To Place Workers Compensation Insurance Program Features: Quick Turnaround Many "A" Rated Carriers Stand Alone Workers Comp Guaranteed Cost Solutions Integrated Work Comp Solutions Dividend and Retro Plans High Deductible Programs Custom Account Handling Requirements: ACORD 130 3-4 Years Loss Runs Details on Large Losses Supplemental Questionnaire Do you need a Agriculture Workers Compensation Insurance Quote? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately.

... Adoption agencies Agricultural co-ops Chambers of commerce ...cal clubs Quasi-governmental organizations Select homeowner and condo associations Senior care organizations Social service providers ...

A Vital Workers Compensation Loss Control and Cost Cutting Tool for Companies Nationwide What a Professional Employer Organization Can Do for Your Policyholders A Professional Employer Organization (PEO) enables small and mid-sized companies to cost-effectively outsource the management of Human Resource, Employee Benefits, Payroll and Workers' Compensation. Working with a PEO allows companies to focus on their core competencies rather than complicated, time-consuming and non-revenue producing functions-to maintain and grow their bottom line. A PEO gives your clients a complete Human Resource solutions that lets them, as business owners, limit their liability. PEO's provide business owners with a team of professionals that provide their employees with the benefits they expect from a top rated company. Small and large businesses are seeing how they can benefit from working with a Professional Employer Organization: Eliminate high premium deposits and audits Remove tedious HR tasks and focus on money making facets of the company Save money by outsourcing their HR, employee benefits, and payroll Get the reassurance that their company is always under compliance with professional HR management Reduce risks by having proper employment practices Attract quality employees by having top notch benefits. A PEO Will Save Your Company Time and Money Highlights and Key Features of the Empire PEO Programs Pay As you Go Workers Compensation at reduced costs! NO PREMIUM DEPOSIT NO PREMIUM AUDITS HUGE CASH FLOW ADVANTAGES Loss Control and Risk Management Expert and Fair Claims Management HR Services -support: Unemployment Claims Administration, Garnishments, Cobra etc... Full Compliance to ACA (Affordable Care Act) Requirements Full Payroll service including full tax remittance and compliance, 941's, W-2's Very little if any customer service for your Agency Very high retention product - continuous until cancelled Commissions Great Commissions – ranges from 6 to 10% of Workers Compensation premiums (commissions vary by risk, governing code and size of account) Target Classes of Business For PEO Quotes (Just a Sampling) Manufacturing Artisan Contractors Heavy Construction Property Management Staffing USL&H Roofing Landscaping Demolition Excavation, Grading and Equipment Masonry and Concrete Painting Swimming Pool Contractors Pool Plastering Gunite Contractors Framing and Carpentry Janitorial Residential Cleaning Residential Care Transportation Freight Handlers Warehouses In Home Care and Assisted Living Farming We Handle Risks for All States Except Monopolistic 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 Specific State Submission Requirements New York - Click Here New Jersey - Click Here Connecticut - Click Here Pennsylvania - Click Here California - Click Here PEO and Custom Made Solutions – Tailored to your Clients Needs Unlike “standalone policies” where the policies are mainly the same, the main features of our PEO products is that we can tailor make a program individualized for the account by adding and moving features and parts around that together work to fit make a whole. Examples of some of these features are: Special deductible plans, (according to the clients individual risk appetite) Dividend and return of premium plans Custom discounts and credits for implementation of the service providers Loss Control procedures Some Software Special Options Job Costing Software The ability to Run P & L and balance sheet reports Accounting software interface Multiple office report configuration Some Payroll Delivery Options Overnight checks mailed to client Direct deposit into client's accounts Money loaded onto employees bank check-cards, Client writes net checks in house off of the service providers account, Client write checks out of their own account (subject to approval) All of these factors and preferences are considered in assessing the clients operations and needs and to design a tailored made individual solution, program and pricing for your client. Eligibility and Target Market For PEO Quotes Your PEO Target Accounts are:: Accounts that are seeking to get out of a State Workers Comp fund, a state “assign risk pool” or “insurer of last resort” Accounts are being Non-Renewed or cancelled by the “standard market” due to losses or exposure Any account that is headed to a State Insurance fund, “assign risk pool” or “insurer of last resort” Accounts that have X-Mods between 1.30 and 3.0, but will also look at Mods under 1.30 and even Credit Mods Accounts that have a credit mod but being Non-Renewed by current carrier due to heavy losses the prior year Lapse in coverages Accounts with No Prior coverage, tough class code, multi-state exposure or adverse underwriting criteria Any combination of the above that makes the account impossible or unlikely for the standard market to handle Tough Class Codes with some or all of the above criteria We will look at virtually any range of Class Codes from Clerical, to Manufacturers, Contractors, Health and Medical fields to name few Top Carriers We have over 12 Carriers to work with including some of the highest rated AM Best Carriers in the country, including Hartford, AIG, Zurich, Argonaut, Amtrust, State National, Lumberman’s and many more.. Empire Submission Requirements For PEO Acord 130 3 Years loss history Loss History Affidavit for accounts with Lapse in coverage or No Prior Explanation of claims over $20,000 Experience Mod-Sheet The Supplemental for the Class of Work pertaining to the risk being submitted (Click here for Supplementals)