Empire Brokerage Services, LLC is a wholesale brokerage partner focused on placing complex or non-standard commercial risks through our General Wholesale Insurance program. Built for independent agents and brokers, this program provides access to multiple specialty markets and surplus lines capacity for accounts that require tailored underwriting, flexible terms, and creative placement solutions.
Ideal Accounts and Appetite
Our General Wholesale Insurance program is designed for mid-sized to larger commercial accounts with premium budgets typically between $10,000 and $100,000 or more. We handle both standard and hard-to-place risks — particularly accounts that struggle to fit admitted carrier guidelines. Most business is placed non-admitted to allow broader coverage options and competitive pricing for uncommon exposures.
Target classes include:
- Product and component manufacturers
- General contractors and artisan trades
- Wholesale distribution, warehousing and storage
- Commercial and habitational real estate owners
- Vacant buildings and properties
- Retail and service operations
Example scenarios you might place through this program:
- A regional wholesaler with multi-state warehousing and transportation exposures that require a customized commercial package and products liability extensions.
- A contractor who owns mixed-use property with higher liability and property limits that an admitted market will not underwrite without significant endorsements.
Coverage Highlights and Advantages
Empire Brokerage’s General Wholesale Insurance program offers a broad suite of commercial coverages so you can assemble the solution your client needs. Available coverages include:
- Monoline Property and Commercial General Liability, including Products Liability
- Commercial Package Policies (CPP)
- Commercial Auto
- Umbrella and Excess Liability
- Workers’ Compensation
These options let you structure layered liability limits, multi-location property schedules, and endorsements for niche exposures. Writing non-admitted when appropriate lets underwriters tailor terms for risks outside standard appetite.
Underwriting Notes and Minimum Premiums
Underwriting focuses on complex risks, exposures with higher limits, unique operations, or accounts with prior coverage gaps. We work with you to assemble the required submission data and find the market that matches the account’s nuances.
Minimum premiums typically start at $1,000, with many placements falling in the $10,000–$100,000+ range depending on industry, limits, and loss history. Provide complete loss runs, detailed operations descriptions, and current risk controls to accelerate placement.
Territories and Availability
Our General Wholesale Insurance program is available to agents and brokers in the following states:
- Connecticut (CT)
- Florida (FL)
- Georgia (GA)
- Indiana (IN)
- Maine (ME)
- New Jersey (NJ)
- New York (NY)
- Pennsylvania (PA)
- Rhode Island (RI)
Because most capacity is placed on a non-admitted basis, we can offer broader terms where admitted options are limited or unavailable. Availability and specific coverage features may vary by state and carrier market.
Why Work With Empire Brokerage Services, LLC?
Empire Brokerage brings deep wholesale market access and experienced underwriting to help you place accounts that fall outside standard market appetites. Our strengths include:
- Access to multiple specialty and surplus markets that underwrite complex commercial exposures.
- Hands-on underwriting support to structure submissions and negotiate terms.
- Responsive service aimed at getting difficult risks placed promptly so you can grow your book of business.
When you partner with Empire Brokerage Services, LLC, you gain a market-savvy wholesale broker focused on practical solutions for contractors, manufacturers, wholesalers, property owners, and other mid- to large-sized commercial risks.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for mid-sized to large commercial risks, including manufacturers, contractors, wholesalers, real estate owners, and vacant properties that may not qualify for standard markets.
Are these policies written on an admitted or non-admitted basis?
Most policies in this program are written on a non-admitted basis, which allows for more flexibility in underwriting and coverage terms.
What is the minimum premium for coverage?
Minimum premiums typically start at $1,000, with most accounts ranging from $10,000 to $100,000 or more depending on the risk.
Which states is this program available in?
The program is available in CT, FL, GA, IN, ME, NJ, NY, PA, and RI.
What kind of support can I expect from Empire Brokerage Services?
You can expect responsive service, expert underwriting guidance, and access to multiple markets that specialize in complex or non-standard risks.
Need help placing an account? Connect with a market specialist.