Amerisure Insurance Company
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Carrier appetite summary
Overview & Risk Profile: Amerisure Insurance Company positions itself as a middle‑market and large commercial carrier focused on casualty‑driven accounts with strong safety culture and long‑term agency relationships. Appetite is oriented toward workers’ compensation, commercial auto, general liability, and package business, including loss‑sensitive structures and industry‑specific programs. Underwriting emphasizes profitable loss history, agent expertise in the class, and disciplined risk selection over broad “open” small‑account volume. Preferred / Target Business: • Account Size: Middle market accounts typically starting at roughly $50,000+ total premium; larger accounts over $300,000 may be eligible for loss‑sensitive programs (captives, retros, large deductibles, OCIP/CCIP). ([amerisure.com](https://amerisure.com/style-guide/?utm_source=openai)) • Industry Focus (indicative, based on Amerisure Programs and narrative appetite): – Construction and Contractors, including wrap/controlled programs via OCIP/CCIP structures. – Manufacturing and industrial operations with controllable workers’ comp and products exposures. – Wholesale, distribution, and other middle‑market commercial operations that fit casualty‑centric programs. – Industry programs administered through Amerisure Programs (AMP) or specialty MGAs (e.g., Arden) where Amerisure provides capacity and underwriting framework. • Lines: Strong appetite for Workers’ Compensation, General Liability, Commercial Auto, Property within package, Inland Marine, Umbrella/Excess, and Surety; heavy emphasis on casualty and workers’ comp performance. ([amerisure.com](https://amerisure.com/style-guide/?utm_source=openai)) • Risk Attributes Sought (programs and core): – Proven profitable loss history (often 5‑year view preferred at program level). – Clear, niche agency expertise and defined market segment strategy. – Established distribution with stable prior carrier relationships. – Willingness to engage in risk management, safety, and potentially risk‑sharing via loss‑sensitive plans. Restricted / Avoided Classes & Exposures: • Amerisure notes it maintains various limitations on property capacity and certain exposures; risks in such categories may be considered only when they are a small part of a broader, otherwise desirable portfolio. Examples called out in related program appetite material include: avoiding excessive geographic CAT concentration and high‑hazard segments such as heavy transportation concentrations and nursing homes/assisted living facilities. ([ameritrustgroup.com](https://ameritrustgroup.com/programs/program-appetites/?utm_source=openai)) • Program‑level guidance for similar business steers away from: – Start‑up programs with no performance track record. – Programs or books with poor historical profitability. – Programs that rely on carrier aggregate stop‑loss protections or lack adequate partner capital. – Concentrations in long‑haul or heavy transportation exposures. – Nursing homes/assisted living and similar high‑severity health‑care facilities. ([ameritrustgroup.com](https://ameritrustgroup.com/programs/program-appetites/?utm_source=openai)) • Amerisure itself indicates that detailed eligibility/ineligibility may fall to underwriting review when not clearly determined at the agency level, so marginal or mixed exposures should be pre‑discussed with the underwriter. ([amerisure.com](https://amerisure.com/style-guide/?utm_source=openai)) Geographic Notes: • Operations are U.S. focused, with regional and state‑specific deployment of programs and capacity. Many program arrangements are local or regional in nature and rely on local agents with niche expertise. ([ameritrustgroup.com](https://ameritrustgroup.com/programs/program-appetites/?utm_source=openai)) • Underwriting seeks to avoid undue geographic concentration of risks that could create catastrophe accumulations (e.g., in CAT‑prone areas), particularly on property and high‑limit casualty placements. ([ameritrustgroup.com](https://ameritrustgroup.com/programs/program-appetites/?utm_source=openai)) Submission & Underwriting Expectations: • Submissions are expected through appointed agents with demonstrated expertise in the particular industry segment; Amerisure often partners via programs or loss‑sensitive deals, so agencies should be prepared with data and a defined strategy, not just single‑policy transactions. ([ameritrustgroup.com](https://ameritrustgroup.com/programs/program-appetites/?utm_source=openai)) • For middle‑market and large accounts, underwriting will generally expect: – 5‑year loss runs with narrative on large or shock losses. – Exposure data by line (payroll by class for WC, sales/payroll for GL, units/values for auto and property, etc.). – Description of safety programs, risk control measures, and any formal risk management personnel or committees. – Historical program or carrier relationships and explanation for marketing/remarketing. – For loss‑sensitive structures: collateral tolerances, risk‑sharing appetite, and financial information commensurate with the structure (e.g., audited financials for larger retentions). • Surety submissions will typically require standard bond underwriting information (job details, financial strength, work‑in‑progress where applicable) consistent with middle‑market construction and commercial bonding practice. ([amerisure.com](https://amerisure.com/style-guide/?utm_source=openai)) Broker / Producer Instructions & Relationship Notes: • Amerisure positions itself as working through select, often regional or niche‑focused agency partners rather than broad open‑broker distribution. Agencies are expected to understand Amerisure’s appetite, screen risks accordingly, and consult with underwriting where eligibility is uncertain. ([ameritrustgroup.com](https://ameritrustgroup.com/programs/program-appetites/?utm_source=openai)) • Agency‑level pre‑qualification is encouraged: if eligibility or ineligibility cannot be fully determined by the agency, Amerisure underwriters are the escalation path. Amerisure notes the availability of detailed SIC‑level appetite lists by request rather than public posting, reinforcing the need for direct dialogue with underwriters or marketing reps. ([amerisure.com](https://amerisure.com/style-guide/?utm_source=openai)) • For program opportunities, Amerisure looks for: – Agents or MGAs with proven class expertise and a defined program concept. – Documented historical profitability and clear differentiation in the target segment. – Stable distribution platform and willingness to collaborate on risk sharing and long‑term profitable growth. Operational Takeaways for Placements: • Use Amerisure primarily for middle‑market and larger casualty‑weighted commercial accounts where workers’ comp and commercial auto are material components and where the insured values risk management partnership. • Pre‑screen for strong loss history, formal safety/risk control practices, and financial strength adequate for potential loss‑sensitive arrangements. • Avoid sending start‑up books, highly speculative programs, or accounts dominated by high‑hazard transportation or nursing‑home‑type health‑care exposures without prior underwriter or marketing contact. • Expect case‑by‑case discussions on property‑CAT capacity and on any accounts with concentrated geographic exposures. • Coordinate early with Amerisure marketing/underwriting teams for program ideas or for large/complex accounts to align on structure (guaranteed cost vs. captive/retro/large deductible) and data required for a complete submission.