For years, insurance carriers and agents have encouraged Pacific NW employers to view workers compensation coverage as a commodity whose cost has little to do with an employers' management of risks. With time more and more sophisticated employers have come to understand that workers' compensation coverage is not a commodity. The aggressive management of workers' compensation risk can greatly reduce the inherent overall program costs associated with workers' compensation.

Empire Pacific has the experience and expertise to help the participants of the Trust with all forms of workers compensation risk management. This includes such "bread and butter" services as job-site safety inspections, behavioral-based loss prevention consultation and third-party claims administration, to those complex services such as the creation of incurred retro products, large deductible plans and the assisting of larger employers or organizations becoming self-insured organizations.

Empire Pacific Risk Management is a fully integrated risk management services company. Our capabilities extend over the complete range of administrative and risk elements normally associated with insurer operations. These include: Marketing and Sales, Agency Management, Underwriting, Loss Prevention, Premium Accounting, Statutory Reporting, Regulatory Compliance, Claims, Treasury Management, Reinsurance and Financial Reporting.

Empire Pacific has grown a reputation for excellence and effectiveness. As specialists in the field of self-insured groups, sponsoring associations, program-participant employers, reinsurers and regulators have learned to rely on our word and our performance. Our three major clients whose memberships total nearly 500 employers and $250 million in annual payroll enjoy sub-60% developed loss and loss adjustment expense ratios; evidence of setting high standards and living up to them.