Attune Insurance
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
Attune writes small commercial Workers’ Compensation on a tech-enabled platform, primarily as a program administrator placing coverage with partner carriers such as EMPLOYERS, Builders Insurance Group and Pinnacol (EverPeak). The detailed WC underwriting guides, preferred/non‑preferred class lists, and appetite checker are maintained inside the Attune agent portal/Help Center and are referenced but not fully published externally. Agents should therefore treat portal guidelines as controlling and verify eligibility there for each risk. Preferred business / target profile (high level): - Small commercial accounts that fit EMPLOYERS/Builders/Pinnacol small WC appetite with stable operations and good safety practices, typically low-to-moderate hazard classes and straightforward payroll exposures. Marketing materials reference “over 400 straight‑through class codes” indicating a broad but defined set of eligible classes that can quote and bind with minimal underwriting friction. - Governing class codes designated as “Preferred” in the Attune underwriting guidelines are specifically incentivized for production; incentive language ties agent bonuses to the percent of new business bound in these preferred governing classes.([attuneinsurance.com](https://www.attuneinsurance.com/press-release/attune-insurance-expands-access-to-workers-compensation-with-everpeak-launch-in-south-carolina?utm_source=openai)) Restricted / declined classes (directional only – must confirm in portal): - Contractors have notable restrictions: a current Attune appetite job aid for BOP notes that contractor classes are allowed only up to certain payroll/revenue thresholds, with limits on subcontracted costs and an explicit prohibition on general contractors; that same document notes that contractor classes are **not available for Workers Compensation**, signaling that many contractor WC codes are ineligible or tightly controlled.([faia.com](https://www.faia.com/getmedia/a846c7ba-60db-4926-9eb7-09f8af7fb9b5/Intro-to-Attune_IMS.pdf?utm_source=openai)) - Non‑profit organizations are specifically listed as **not eligible for Workers’ Compensation through Attune** in current external eligibility material.([smartchoiceagentsva.com](https://smartchoiceagentsva.com/wp-content/uploads/2020/06/ATTUNE-BOP-WC-INFO-v10172019.pdf?utm_source=openai)) - Habitational risks (residential condos and habitational classes) are restricted on the property side and often align with more cautious WC appetite; agents should assume heightened scrutiny or ineligibility for residential habitational WC unless the portal explicitly shows a supported class.([faia.com](https://www.faia.com/getmedia/a846c7ba-60db-4926-9eb7-09f8af7fb9b5/Intro-to-Attune_IMS.pdf?utm_source=openai)) - Classes not listed in Attune’s guidelines are generally considered not eligible; partner-carrier WC programs (EMPLOYERS, Builders, Pinnacol EverPeak) each maintain their own class eligibility that Attune adopts, so missing or atypical NCCI codes should be treated as declined unless the portal allows a quote. Geographic notes: - Attune positions itself as an admitted small commercial market; WC offerings are state‑dependent and roll out by program. A recent press release confirms expansion of EverPeak (Pinnacol) WC into South Carolina, citing growth in available class codes and quick straight‑through quoting and binding, which implies active geographic expansion and that availability varies by state and carrier program.([attuneinsurance.com](https://www.attuneinsurance.com/press-release/attune-insurance-expands-access-to-workers-compensation-with-everpeak-launch-in-south-carolina?utm_source=openai)) - Some WC claim‑handling and program details vary based on which underlying carrier is on the Attune policy (EMPLOYERS vs Builders vs EverPeak/Pinnacol), so agents should confirm state and carrier availability at quote. Submission & underwriting process: - Attune is built around automated, straight‑through underwriting with minimal front‑end questions; the portal itself functions as the application, and Attune explicitly notes that there are no ACORD forms, no signatures at bind, and no mandatory loss runs for standard submissions.([attuneinsurance.com](https://www.attuneinsurance.com/?utm_source=openai)) - The platform scans all quotes for risk/eligibility flags. Accounts that trigger alerts go into Underwriting Review; agents receive a notification and, if they bind, Attune underwriters conduct a post‑bind review to confirm eligibility. Agents are instructed to: 1) Carefully review the Eligibility Guidelines for the business class in the Help Center/portal. 2) Ensure that the account is accurately classified to an eligible WC class code. 3) Proceed to bind only if the risk clearly aligns with guidelines; otherwise contact the Account Manager or Customer Care before binding.([attunehelp.zendesk.com](https://attunehelp.zendesk.com/hc/en-us/articles/360045229952-Underwriting-Review-FAQ?utm_source=openai)) - When Attune underwriters request additional information (e.g., for audits or underwriting review), agents must respond within specified timeframes (commonly 10 business days for underwriting review and as stated on audit notices). Failure to respond can result in a notice of cancellation for non‑compliance; reinstatement may be considered if the requested info is supplied promptly and is satisfactory.([attunehelp.zendesk.com](https://attunehelp.zendesk.com/hc/en-us/articles/360045229952-Underwriting-Review-FAQ?utm_source=openai)) Claims, safety, and audit expectations (for setting client expectations): - Claim reporting is handled directly with the underlying WC carrier listed on the Attune policy. Presently: • Policies beginning with prefix “WCV” written through Builders Insurance Group: claims are reported directly to Builders via 24/7 phone or online. • Policies beginning with prefix “EIG” written through EMPLOYERS: new injuries can be reported via a 24/7 nurse triage hotline, with a separate 24/7 customer service center and claim email intake. Agents should direct insureds to the correct carrier based on the policy documents.([attunehelp.zendesk.com](https://attunehelp.zendesk.com/hc/en-us/articles/360031889432-How-can-the-insured-report-a-workers-compensation-claim-?utm_source=openai)) - Workers’ Compensation policies are subject to final premium audit; Attune emails audit notices and information requests directly to the agent on record. Agents should prepare insureds for audits and ensure timely responses to avoid cancellations or premium disputes.([attunehelp1562077002.zendesk.com](https://attunehelp1562077002.zendesk.com/hc/en-us/articles/360054835432-How-are-Workers-Compensation-policies-audited?utm_source=openai)) - Attune requires participation in workplace safety reviews for certain WC accounts; participation is described as required to maintain coverage and to support employee safety. Agents should facilitate insured cooperation with Attune’s loss control contacts (including a dedicated safety review/loss control email) and advise that non‑cooperation may affect ongoing insurability.([attunehelp.zendesk.com](https://attunehelp.zendesk.com/hc/en-us/articles/28761537187867-Workplace-Safety-Review-Overview-for-Attune-Agencies?utm_source=openai)) Broker / producer notes: - Attune is "built for agents" with a single portal that includes appetite tools, quoting, billing, and live service. Agents are expected to use the appetite checker and posted underwriting guidelines in the portal to pre‑screen business before marketing to Attune.([attuneinsurance.com](https://www.attuneinsurance.com/?utm_source=openai)) - The Attune Workers’ Compensation Summer Incentive 2024 emphasizes writing policies where the governing class code is in the Attune‑defined “Preferred” list; producers focusing on these classes may earn additional compensation, so internal production strategies should factor in the preferred class code designations within the portal guidelines.([attuneinsurance.com](https://www.attuneinsurance.com/legal/attune-workers-compensation-summer-incentive?utm_source=openai)) - For any uncertainties about eligibility, underwriting alerts, safety reviews, or audits, producers are directed to contact their dedicated Attune Account Manager or Attune Customer Care via phone, chat, or Help Center links.([attunehelp.zendesk.com](https://attunehelp.zendesk.com/hc/en-us/articles/360045229952-Underwriting-Review-FAQ?utm_source=openai)) Operationally, agencies should treat Attune’s portal underwriting/eligibility rules as the authoritative source for class eligibility, state availability, and specific WC restrictions. Current external documents clearly highlight: no WC for non‑profits, substantial limitations or unavailability of contractor classes for WC, expectation of cooperation with workplace safety reviews and audits, and the need to respond promptly to any post‑bind underwriting or audit requests.