CopperPoint Insurance Company
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
Workers Compensation underwriting is focused on small, middle-market, and larger accounts in targeted Western states, written via CopperPoint and its affiliates. CopperPoint positions itself as a specialty workers’ compensation carrier with broad appetite across many industries, with particular emphasis on Construction, Agriculture, Hospitality, and Healthcare, and scalable solutions for small (under $25K premium), middle-market ($25K–$500K), and large accounts (over $500K).([copperpoint.com](https://www.copperpoint.com/?utm_source=openai)) Geography & market focus: CopperPoint operates primarily in the Western U.S. through CopperPoint, PacificComp, and Alaska National. Workers’ compensation new business is actively written in AZ, CA, CO, NM, NV, UT, AK, ID, MT, OR, and WA, with submission process differentiated by state. For AZ, CA, CO, NM, NV, and UT, workers’ compensation new business submissions are made through the CopperPoint Agent/Broker Portal. For AK, ID, MT, OR, and WA, agents email ACORD applications, loss runs, and supplemental information directly to their underwriting contact, with optional copy to submissions@copperpoint.com for market reservation.([copperpoint.com](https://www.copperpoint.com/help-center/new-business-submission?utm_source=openai)) Preferred business characteristics: Target accounts have stable operations, strong safety culture, and a focus on loss control. CopperPoint highlights a large small-business book (sub‑$25K premium) with nearly 300 class codes, suggesting a broad appetite for smaller, well-managed employers, and a wider appetite in the $25K–$500K range, especially in Construction, Agriculture, Hospitality, and Healthcare. For large accounts (over $500K), CopperPoint offers tailored risk management and flexible plan options, indicating interest in complex, severity-driven exposures with engaged risk management partners rather than purely transactional placements.([copperpoint.com](https://www.copperpoint.com/?utm_source=openai)) Declined or restricted risks: Publicly available material does not provide a detailed blacklist of declined or restricted WC classes. Agents should assume that extremely hazardous, poor-loss-history, or non-compliant risks will require elevated underwriting review and may be declined. Underwriters price according to internal guidelines and risk selection standards not fully disclosed on public pages; producers should contact underwriting for guidance on borderline or unusual classes. Submission requirements & process – Workers Comp new business: For AZ, CA, CO, NM, NV, UT: (1) Agent logs in to CopperPoint Agent/Broker Portal; (2) selects "+New Submission" under the CopperPoint portal; (3) enters submission data or uploads ACORD from the Customer Details page; (4) on the Quote page, adds notes and clicks Refer to submit to the underwriter; (5) in-progress drafts can be resumed from the Submissions in Progress tile. For AK, ID, MT, OR, WA: (1) Agent emails ACORD applications, current loss runs, and any required supplemental applications to their underwriting contact; (2) may copy submissions@copperpoint.com to expedite market reservation. These steps apply to both workers’ comp and P&C in those northern and Pacific Northwest states. Phone support is available at 800.231.1363 and via an online help request.([copperpoint.com](https://www.copperpoint.com/help-center/new-business-submission?utm_source=openai)) Operational underwriting expectations: CopperPoint emphasizes integrated teams of underwriting, claims, loss control, business development, and risk management, with a relationship-driven approach to agents and brokers. Business is priced according to internal underwriting and pricing guidelines; production underwriters are expected to meet with producers, manage pipelines, and identify new opportunities in target segments, reinforcing the importance of complete submissions and open dialogue on account strategy.([copperpoint.com](https://www.copperpoint.com/business-insurance?utm_source=openai)) Broker/producer notes: Independent agents and brokers access CopperPoint primarily through the Agent/Broker Portal for targeted states, and via direct email to underwriters for AK, ID, MT, OR, and WA. Brokers should provide full WC submission packages (ACORD application, detailed description of operations, experience mod worksheet when applicable, and 3–5 years of currently valued loss runs) to facilitate underwriting, especially for middle-market and large accounts. Appointment and binding authority specifics are managed directly by CopperPoint; brokers have no binding authority without explicit underwriter authorization. When in doubt on appetite, geography, or class fit, CopperPoint encourages contacting the underwriter or regional marketing contact before investing significant time in a complex submission.