Overview of the Program from Empire State Brokerage Services LLC
Empire State Brokerage Services LLC places General Liability Insurance through a platform of more than 20 underwriting partners. This program serves manufacturers, contractors, importers, exporters, distributors and a broad range of service firms. Underwriters on the platform write small, medium and large accounts and maintain a wide appetite across many industries—so most risks can be evaluated rather than being excluded up front.
Ideal Accounts and Appetite
This program gives agents flexible market access for:
- Contractors and construction trades with varied exposures
- Manufacturers, importers, exporters and distributors with product liability and completed operations risks
- Service firms and other commercial operations with premises/operations exposures
- Both simple, low-hazard accounts and complex, multi-exposure large accounts
Underwriters will consider a wide range of classes and sizes—no risk is automatically assumed to be too large.
Coverage Highlights and Advantages
- Primary General Liability policies up to $1,000,000 per occurrence and $2,000,000 general aggregate; Products & Completed Operations included where appropriate.
- Available on Occurrence and Claims-Made forms.
- Deductible structures range from no deductible to small or high deductibles, plus Self-Insured Retention (SIR) options.
- Umbrella/excess capacity available when higher limits are required.
- Access to both admitted and non-admitted (surplus) markets to increase placement flexibility.
Underwriting Notes and Minimum Premiums
Underwriters assess submissions based on class, revenue, operations, loss history and exposure details. Typical submission items include a completed ACORD application, current loss runs, an operations description, and payroll/revenue breakdowns. Documentation of risk control measures and safety programs helps speed placement.
Minimum premiums generally begin at approximately $500 for smaller, low-hazard accounts and increase with the size and complexity of the risk.
Territories and Availability
The program offers admitted and non-admitted placement options and is available in most states. Current listed availability includes CT, FL, GA, NJ, NY, PA and RI. Market availability can vary by state and by carrier appetite—submit or contact the underwriting desk to confirm options for a specific jurisdiction.
Why Work with Empire State Brokerage Services LLC
- Broad market access—20+ underwriting partners—gives agents multiple pathways to place difficult or unusual liability risks.
- Flexible terms and deductible/SIR structures that can be tailored to insureds’ risk-transfer objectives.
- Experienced underwriting that evaluates both routine and complex, multi-exposure accounts.
- Support for both primary and excess placements, including umbrella capacity for higher limits.
Example account scenarios
You might represent a regional manufacturer seeking product/completed operations coverage with a modest loss history and $1M limits—this program can provide admitted or surplus options that fit their needs. Or you could have a large contractor with multi-state exposures requiring a customized deductible/SIR structure and excess capacity—underwriters on the platform will consider those larger, complex accounts.
Frequently Asked Questions
What types of accounts are a good fit for this General Liability program?
Manufacturers, contractors, importers/exporters, distributors and many service firms are strong fits. The program evaluates both low-hazard small accounts and complex, multi-exposure large accounts.
Are both admitted and non-admitted markets available?
Yes. Empire State Brokerage Services LLC offers access to both admitted and non-admitted carriers. Availability depends on the state and each carrier's appetite for the specific risk.
What are the typical limits and policy forms offered?
Primary limits are available up to $1,000,000 per occurrence and $2,000,000 general aggregate. Both Occurrence and Claims-Made forms are offered, and Products & Completed Operations coverage is included where applicable.
What minimum premium and deductible options should I expect?
Minimum premiums generally start around $500 for small, low-hazard accounts. Deductible options range from no deductible to small or high deductibles, and SIR structures are available depending on the carrier and account size.
What submission information helps speed placement?
Include a completed ACORD application, recent loss runs, a clear description of operations, and revenue/payroll details. Information about risk controls or safety programs will also help underwriters evaluate the account more quickly.
Need help placing an account? Connect with a market specialist.