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Workers’ Compensation

Empire Pacific Sovereign represents regional and national carriers who write workers’ compensation¬†from Main Street to the Oil Patch. Their appetites for risk run from plain vanilla to rocky road. Each account is personally handled by an insurance professional on our team with the expertise to assure the best results for the client. We love challenges: short fuses, high x-mods, difficult or unusual risks.

Workers’ Compensation Highlights

  • A-rated carriers
  • Minimum premiums vary by carrier and industry / business
  • Guaranteed Cost, Deductible & Loss Sensitive Programs
  • Multi-state Capabilities
  • No Experience Modification Limitations

Workers’ Compensation

  • Target Industries / Businesses
    • Construction - Commercial and Residential
    • Healthcare - Senior Living, Assisted Living, etc.
    • Hospitality - Restaurants, Motels / Hotels
    • Transportation / Trucking
    • Manufacturing
    • Energy-related Risks
    • Retail / Wholesale
    • Property Management
    • Non-Profit Charitable 5012(c)(3)
  • USL&H Targeted Classes
    • Ship Builders
    • Stevedoring
    • Terminal Operators
    • Barge Repair
    • Ship Repair
  • Specialty Workers Compensation
    • Excess WC for self-insured entities
    • Foreign WC
  • Application Submission Requirements
    • Fully-completed¬† ACORD 130 including FEIN, years in business, number of employees by class code, and all insured locations.
    • Comprehensive description of operations
    • Supplemental Application
    • Experience Modification Worksheet
    • 5 years company loss runs valued within 90 days of effective date
    • Narrative for all claims over $25,000
    • Description of risk management efforts to control future claims
    • Target premium