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Access To Top Carriers

Empire provides you the access to a wide variety of top rated carriers for handle the simplest to most complex risks.

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Commitment to Service

Live brokers answering your calls with straight answers, fast quotes and helping you help your agency grow.

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Online Quotes

Get indications and track your submissions on our online portal (for Workers Comp, coming soon)

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Products and Programs

Workers Compensation Insurance

Your customers are looking for affordable Workers Comp coverage that keeps them compliant and covered. Empire has a broad carrier selection enabling you to provide coverage for established, new, and even hard to write companies. ONLINE RATERS COMING SOON!

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Finding a Workers Compensation program for Staffing companies can be a daunting task. Empires program features coverage in 46 states and has a broad class code acceptance.

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Empire Underwriters is the National Leader in Alternative Workers Comp insurance. Our Alternative Workers Comp program has flexible options and great commissions. Send us your submissions for review.

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Tough or Difficult to Place Risks

Empire Underwriters is the National Leader in “Tough” or Diffcult to Place Risks. Our difficult to place risks proram is tailored for those clients who have distress or hard-to-write workers comp needs. Send us your submissions for review.

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USL&H Insurance Coverage

Are you looking for Workers Compensation coverage for clients that work “on, above, near or around water?

Empire Underwriters has an in-depth understanding of the USL&H marketplace and provides you and your clients with considered advice, exceptional service, and creative solutions.

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Professional Employer Organization - PEO

Whether High-Mod, High Hazard, Multi-State Exposure, we have the capacity, access and expertise to get customer the right coverage for the right price. PEO Stands for Professional Employee Organization (PEO) and ASO stands for Administrative Service Organization.

Employee Leasing gives your clients the chance to outsource some of the more tedious business burdens and non-income producing functions such as payroll, HR management, benefits administration, and will most importantly enable them to obtain Workers Compensation at significantly reduced rates. Empire partners with the largest and most reputable Employee Leasing companies nationally to provide your clients with affordable solutions and exceptional service.

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PEO for Staffing Companies

Empire Underwriters PEO for Staffing Companies program has tailored made solutions for each risk. The program also offers flexible paymetn options and aggressive commissions.

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Commercial BOP/GL and Property Package

Are you looking for a property and general liability package to fit your commercial classes? Our new package program from Endurance helps you to better handle the needs of your commercial clients.

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Commercial General Liability Monoline 200+ Classes

Our new Commercial General Liability program from Endurance offers coverage to over 200 different commercial classes.

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Commercial Excess Program

Empire’s Commercial Excess Liability Program gives your clients an added layer of liability protection over and above your commercial policies. We have partnerships with multiple national “A” rated carriers to provide your clients with the coverage they need.

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Contractor General Liability - Monline AXV

Empire features 5 General Liability Carriers with AM Best Ratings ranging from B+ to AXV. We can provide coverage to Artisan Contractors, Builders, Developers as well as Construction Managers and Supervisors. Empire has carriers that can provide General Liability Insurance for your customers that are new ventures, “have no-prior”, lapse in coverage, cancelled or with prior claims.

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Contractor BOP/GL and Property Package

We can provide coverage to Artisan Contractors, Builders, Developers as well as Construction Managers and Supervisors. Empire’s new partnership provides General Liability and Property coverage for your new ventures, no prior, lapse in coverage, or cancelled clients.

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Contractors General Liability - Brokerage Markets

Our Brokerage Department is available to assist your agency in placing your middle market, larger or more difficult commercial risks. With over a dozen highly rated carriers to choose from, and decades of combined experience in the brokerage sector and surplus lines marketplace, we provide you with the markets, expertise and support you need in placing the account.

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Tract Home Builder Program - AXV

AXV Rated Carrier by AM Best. For builders 10 Homes or more. Same day indications with full submission.

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Wrap Up Coverage - AXV

Wrap Up programs are a comprehensive General Liability Insurance project-specific policy that combines coverage normally provided separately by different parties. In WRAP policies all participating contractors and subcontractors avoid having multiple carriers at odds in a claim settlement situation and allow for tighter, more consistent safety procedures. The 3 key elements of a Wrap Up Policy are Coverage, Control and Cost Savings..

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Contractors Pollution Liability

Contractors Pollution Liability provides coverage to general contractors, construction managers, and various trade contractors who could potentially have both pollution and professional claims. CPL/Professional provides coverage for E&O exposures for contractors.

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Building Materials Distributors & Manufacturers Program

Empire has a new General Liability insurance for manufacturers and distributors of building materials and products. This program is available to accounts that manufacture or distribute products or services utilized in Home or Building Construction. Contractors’ licenses are not required for eligibility for this program.

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Commercial & Personal Property Coverage

We are now offering Commercial and Personal Insurance Lines. Empire offers a wide range of specialties when it comes to Property Insurance..

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Builders Risk Insurance & Course of Construction

Whether your customer is a Contractors or Owner Builder, you are in need to Builders Risk Insurance or “Course of Construction” Insurance Policy. Quotes usually same day with Admitted company Rated AXV by AM Best.

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Business Owners Package - BOPs

A business owners policy, also known as BOP insurance, combines property insurance, liability insurance, crime coverage and additional protection into one convenient package. Empire offers a wide range of solutions to help your clients.

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Workers Compensation Carriers
(availability varies per state)

  • AIG
  • AmTrust
  • Benchmark
  • FUBA
  • GIC
  • Hartford
  • ICW
  • Lumbermans
  • Magna Carta
  • Normandy Harbor
  • QBE
  • Republic Underwriters
  • State National
  • Sunz
  • Travelers
  • Zurich

More Workers Comp Programs >>
Our Most Competitive Contractor Classes in Workers Comp
  • Automatic Sprinkler Installation
  • Cabinet Mfg
  • Cabinet or Fixtures
  • Carpentry
  • Communications Cabling
  • Concrete Construction
  • Conduit Construction
  • Door or Window Mfg.
  • Door or Pre-Glazed Window Installation
  • Door, Sash or Window Mfg. – wood
  • Excavation
  • Glass Merchants
  • Hardwood Floor Laying
  • House Furnishings
  • Lathing
  • Masonry
  • Roofers
  • Sheet Metal Work
  • Tile; Stone, Mosaic or Terrazzo Work
  • Wallboard