Meadowbrook-Ameritrust
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
Carrier/brand: Meadowbrook / AmeriTrust Group – now operating under the AmeriTrust name and AF Group umbrella. Appetite information below is from the AmeriTrust General Use admitted products guide v.3.24 (2024). Preferred / target business - General Use Product is a small-to-middle commercial package platform written by AmeriTrust Group carrier subsidiaries, positioned as a complement to core specialty niches. - Designed for BOP‑type risks that either exceed normal BOP parameters (e.g., larger than about $6M in sales) or fall outside the AmeriTrust standard BOP appetite but still fit small commercial package. - Target insured profile: wholesale/retail, distributors (with limited installation), household/ light trade installers and similar main street operations. - Offered coverages on one account: Property, General Liability, Auto, Inland Marine, Workers’ Compensation*, Umbrella (*WC written by a licensed AmeriTrust subsidiary). Key target classes (illustrative, not exhaustive) - Real estate / LRO: bank or office buildings, mercantile or manufacturing premises, lessors risk only (for‑profit and not‑for‑profit variants), office buildings including premises occupied by insured’s employees. - Manufacturing / fabrication (light to moderate): brick and structural clay tile, concrete block/brick; instrument manufacturing (analytical, calibrating, measuring, testing, recording); refrigeration equipment manufacturing; metal works – decorative or artistic, shop‑only; sign manufacturing (electrical and non‑electrical). - Distributors & dealers: building materials dealers and distributors (non‑secondhand material), building material distributors, food and drink distributors, non‑food distributors, electrical equipment distributors, hardware and tool distributors, plastic/rubber goods distributors, paper products distributors, plumbing supplies and fixture distributors, frozen food distributors, fruit/nut/vegetable dealers and distributors, nursery/garden operations, metal dealers/distributors (non‑structural), ice wholesalers/distributors, newspaper/magazine distributors, vending machine operations including confection/food/beverage/ice. - Services / trades: carpet, rug, upholstery cleaning (shop only and on customer premises); floor covering installation (ceramic/stone/marble; non‑ceramic/stone/wood; wood or parquet); communication equipment installation (industrial/commercial); door/window/millwork installation – metal only, shop; furniture/fixture installation in offices or stores (portable, metal/wood); glass dealers and glaziers with work under three stories; landscape gardening with no tree removal or excavation; lawn care services; septic tank system cleaning; septic tank system installation/servicing/repair; sheet metal work – shop only; heating and combined HVAC equipment dealers/distributors and dealers with installation, service or repair (no LPG work; service‑oriented contractors preferred). - Business services / office: draftsmen; surveyors – land (not engaged in active construction); office machine/appliance installation, inspection, adjustment or repair; printers/electrotype supplies distributors; libraries. - Personal services & retail: bakeries/bakery plants; industrial laundries and dry cleaning plants; laundries and dry‑cleaning facilities; linen supply/laundry rental; formal wear or costume rental; photographers; pet grooming and pet training; upholstering (including shop‑only); golf courses – miniature. Restricted / generally avoided exposures (inferred or specifically noted) - High‑hazard construction: appetite specifically limits landscape to no tree removal or excavation, and glass work to under 3 stories; HVAC with LPG sales or work is excluded; these signals a preference for light trade/installation and avoidance of heavy construction, structural steel, high‑rise glazing, or significant excavation/tree removal. - High‑hazard manufacturing: appetite centers on light manufacturing and component work; heavy industrial, structural metal, chemical, or high‑hazard manufacturing would likely be outside appetite and subject to individual underwriter approval if considered at all. - Large or complex BOP risks outside “small commercial”: while guide says AmeriTrust will consider other classes outside the listed targets on an underwriter‑assessment basis, non‑main‑street or heavily specialized classes should be treated as restricted and discussed with underwriting in advance. - LPG‑related, tree‑removal, excavation, and work above 3 stories are effectively declined within this guide and should be assumed out‑of‑appetite unless a specific specialty program indicates otherwise. Geographic notes - General Use program is available in all U.S. states except Alaska and Hawaii (per availability section of the guide). - No additional state‑by‑state restrictions are listed in this short appetite piece; assume standard AmeriTrust/AF Group territorial filings and refer unusual/jurisdictional questions to underwriting. Submission requirements / workflow - New business submissions for the General Use product should be sent to the central underwriting inbox: quotes@ameritrustgroup.com. - The guide is positioned for AmeriTrust appointed agents; submissions are expected to include standard small commercial package details (ACORD apps, loss runs, supplemental where needed). Any non‑listed class is explicitly “subject to underwriter assessment,” so provide clear operations descriptions and loss history when off‑template. - For additional information or distribution/production questions, agents are directed to contact the SVP of National Sales & Distribution (currently named contact with phone and email in the guide; treat as sales/relationship owner rather than day‑to‑day underwriter). Broker / producer instructions and notes - Appetite guide emphasizes that the target‑class list is not exhaustive; AmeriTrust will consider other BOP‑eligible classes that fall outside the parameters of its core BOP product, provided they fit the General Use profile and are acceptable to underwriting. - Position this product for accounts needing a comprehensive package (Property/GL/Auto/IM/WC/Umbrella) but that are either too large or slightly outside the box for standard BOP; stress the ability to package multiple lines with one carrier group. - For risks clearly outside these light‑to‑medium classes or with prohibited features (LPG, tree removal, excavation, >3‑story exterior work), producers should either redirect to another program within AmeriTrust’s specialty lineup or place with an alternative market rather than forcing the General Use product. - Contact your AmeriTrust marketing or program representative early on for unusual classes, high TIVs, or multi‑state schedules, as the guide notes that off‑list classes require affirmative underwriter assessment. Operational takeaway - Think of Meadowbrook/AmeriTrust General Use as a broad, admitted small commercial package market focused on light manufacturing, distributors, main‑street services, and LRO/office risks in the lower‑to‑medium hazard range, available in 48 states (excluding AK and HI), with centralized submission through quotes@ameritrustgroup.com and case‑by‑case consideration for any off‑list but BOP‑type operations.