Key to the success of any insurance enterprise is the ability to profitably select and price underwriting opportunities. With long-term goals in mind, a baseline of institutional knowledge is required in advance of premium planning efforts. Examples include understanding the: workers' compensation benefit environment, regulatory landscape, competitive market cycle, adequacy of loss costs, pure premium base rates or advisory rates and characteristics and quality of the agency distribution system. Only with a firm footing in these areas, are underwriters able to explore risk segments that fit their level of experience and appetite for risk.

Empire Pacific's original business format involved the formation, development and management of segment-based groups. Often, start-up activity required the dislocation of business from major market shareholders. Risk selection and pricing techniques had to result in the containment of expense without the benefit of paid-in capital. Empire Pacific has earned its stripes building three successful Oregon institutions under the weight of these conditions. The advantage of many years of experience has helped and was essential in developing a proven track record that reflects our careful, research-rich entry into the Oregon market.

Underwriting services available include:

• Establishment of guidelines and selection criteria
  
• Rate adequacy analyses
  
• Multiple rate band filings
  
• Experience rating plans
  
• Policy rating and pricing
  
• Policy production
  
• Premium accounting and collections
  
• Payroll auditing
  
• NCCI policy and 250-byte statistical reporting
  
• Compliance administration and coordination with the Workers' Compensation Division (WCD) of the Oregon Department of Consumer and Business Services (DCBS)
  
• Network/slave terminal data entry and reporting