AmeriSafe
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
AMERISAFE is a monoline workers’ compensation carrier focused on small to mid‑sized employers in high‑hazard industries, offering coverage only in this line and leveraging significant field safety and claims resources. Target industries called out in current materials include agribusiness, construction, manufacturing, marine, oil & gas, trucking and wood products; appetite is explicitly described as “high hazard industries many other providers avoid.” ([amerisafe.com](https://www.amerisafe.com/?utm_source=openai)) Preferred / target business - Small to mid‑sized employers operating in high‑hazard classes within agribusiness, construction, manufacturing, marine, oil & gas, trucking and wood products. - Accounts that value safety programs and onsite safety interaction; AMERISAFE deploys Field Safety Professionals and loss‑time Field Case Managers by territory and emphasizes OSHA‑trained safety staff, suggesting preference for accounts willing to engage in inspections, training and corrective actions. ([amerisafe.com](https://www.amerisafe.com/?utm_source=openai)) - Risks where detailed loss information and a designated safety contact are available (these are specifically requested with each submission). Restricted / declined business - Public web guidance does not list a formal class‑by‑class decline list; AMERISAFE states it “considers all risks regardless of e‑mods” but evaluates each submission individually. Agents are referred to internal Producer Guidelines or their Territory Sales Manager for detailed appetite and AOR rules, implying that class‑level restrictions and producer rules are controlled by internal documents rather than the public site. ([amerisafe.com](https://www.amerisafe.com/faqs/?utm_source=openai)) - New ventures (less than 13 months of prior WC coverage) are written on a selective basis only; underwriters must review specific circumstances and industry before considering. ([amerisafe.com](https://www.amerisafe.com/faqs/?utm_source=openai)) - Owner‑operator trucking is acceptable only when the owner‑operator is included on the policy; use this as an operational constraint when structuring trucking accounts. ([amerisafe.com](https://www.amerisafe.com/faqs/?utm_source=openai)) Geographic notes - AMERISAFE actively markets workers’ comp in 27 states; agents are directed to the Territory Map PDF for current state availability. Use that map to confirm whether a state is currently marketed before submission or quoting. ([amerisafe.com](https://www.amerisafe.com/agents/submission-requirements/?utm_source=openai)) - Underwriting and territory can change; refer agents to the Territory Map and to their Territory Sales Manager for edge‑state or expansion questions. Submission requirements (agents / brokers) - Submission lead time: AMERISAFE accepts submissions up to 120 days prior to the current expiration date; this is a hard operational guideline so that safety surveys can be completed pre‑bind. ([amerisafe.com](https://www.amerisafe.com/agents/submission-requirements/?utm_source=openai)) - Minimum premium: current stated minimum rated premium is $5,000, with some exceptions by class. Treat $5K as the standard floor unless an underwriter or class‑specific exception is documented. ([amerisafe.com](https://www.amerisafe.com/agents/submission-requirements/?utm_source=openai)) - Required submission items for workers’ comp: - Completed ACORD 130 workers’ compensation application. - Current loss control / safety contact information (name, phone, email) for the prospect. - Currently valued loss runs for the current term plus three prior years (if applicable); loss runs must be dated within the last 6 months. - Additional details may be required per the internal “Ready Reference Guide.” ([amerisafe.com](https://www.amerisafe.com/agents/submission-requirements/?utm_source=openai)) - Submissions are evaluated individually; AMERISAFE highlights that more detailed information improves turnaround and decisioning. Producer / broker process notes - Agents/Producers: For appetite questions, AOR handling, and producer‑specific rules, AMERISAFE directs producers to the internal Producer Guidelines or to their Territory Sales Manager, not the public site. Expect AOR, reservation‑of‑risk and agency appointment rules to be governed by those internal documents. ([amerisafe.com](https://www.amerisafe.com/faqs/?utm_source=openai)) - Resubmissions after a declination for incomplete information: the agent should contact the underwriter with the missing information; an AOR may be required if another agent already has the risk reserved in the underwriting system. ([amerisafe.com](https://www.amerisafe.com/faqs/?utm_source=openai)) - Experience mods: there is no published cap on acceptable experience mods; AMERISAFE indicates it does not impose an e‑mod cap and reviews risks individually, consistent with a high‑hazard appetite. ([amerisafe.com](https://www.amerisafe.com/faqs/?utm_source=openai)) - New venture definition: any risk with less than 13 months of prior WC coverage is treated as a new venture for underwriting purposes; placement is discretionary and more likely in certain industries than others. ([amerisafe.com](https://www.amerisafe.com/faqs/?utm_source=openai)) - Online submissions: the GEAUX online services portal provides agents a direct link to underwriting for new and renewal submissions, status tracking, and communication with underwriters. Rating/quoting is not self‑service; GEAUX is an intake and workflow tool rather than an online rater. ([amerisafe.com](https://www.amerisafe.com/faqs/?utm_source=openai)) Operational guidance - Treat AMERISAFE as a specialty option for higher‑hazard WC where field safety engagement and detailed loss information can be provided. - Confirm state availability against the Territory Map and minimum premium threshold early in the marketing process. - For appetite nuances by class and detailed producer rules (AOR, exclusivity, etc.), rely on the internal Producer Guidelines and Territory Sales Manager since these are not fully published on the external site. - Position accounts for success by submitting at least 90–120 days early with a complete ACORD 130, four years of current loss runs, and a clearly identified safety contact plus any existing written safety programs or training materials.