Accident Fund 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
Accident Fund is a workers’ compensation-focused carrier. Official agent-facing submission guidance currently verified is through AFXpress, its small business/workers’ comp quoting and binding platform. Published underwriting parameters for AFXpress include accounts up to $50,000 premium, experience modification factor up to 1.35, minimum payroll of $10,001, and a requirement that restaurants and hotels have at least 3 years in business. Accident Fund states it writes over 600 class codes and provides a class-code check for acceptable vs. unacceptable classes. Published examples of target or commonly written business include construction, manufacturing, health/human services, hospitality, wholesale/retail, schools, services, auto services, transportation, and agriculture/natural resources; a 2026 mix-of-business piece shows construction as the largest segment, followed by hospitality, manufacturing, and health/human services. Sample classes specifically highlighted in AFXpress marketing include automobile body repair, contractor building operations, owner/lessee real estate operations, interior trim carpentry, concrete flatwork, metal fence erection, hotel operations, ornamental iron fabrication shops, floor covering installation, machine shops, parks, physicians, restaurants (including fast food), grocery retail, retail NOC, and interior tile/stone/terrazzo work. No comprehensive public declined-class list was found on a verified official page, but Accident Fund indicates agents should use its official class code check to confirm whether a code is written before submission. Geographic notes: Accident Fund says it is licensed in all 50 states, works with selectively appointed independent agents, and focuses primarily on core states in the Midwest and Southeast. Submission/process notes: agents can bridge ACORD data from supported agency management systems into eLink for real-time rating, or enter ACORD data manually; after data verification the system returns either an approved quote with price or a declination; upward scheduled rating adjustments are allowed but no downward pricing adjustments; once bound, a policy number is issued, carrier staff perform a quality check, and the policy issues overnight. Producer instructions and operational notes: submissions may be entered up to 120 days before effective date and bound up to 10 days after effective date; supported agency systems listed are Applied TAM, Vision, EPIC and AMS 360, AfW, and Sagitta; direct bill and EFT payment options are available, but Accident Fund states it does not accept credit card payments; installment options shown are annual under $400, 2-pay for $400-$999, 4-pay for $1,000-$3,999, and 10-pay for over $4,000. Broker/agency support contacts published include 866-206-5851, PolicySupport@accidentfund.com for endorsements/policy changes, PremiumAudit@accidentfund.com for audit inquiries, and ClaimsExpress@accidentfund.com for claim inquiries. For appointment, the carrier directs agencies to its official Become an Agent page and notes it partners with selectively appointed independent agents.