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 remains a monoline workers’ compensation carrier focused on small to mid-sized business, group programs and national account/loss-sensitive programs. Preferred business / target risks: - Workers’ compensation only, with all services (claims, bill review, loss control) bundled as part of the product. National Accounts segment specifically targets customers seeking loss‑sensitive workers’ comp programs (e.g., large deductible, retrospective rating) both in California and in non‑CA states.([accidentfund.com](https://www.accidentfund.com/resources/national-accounts-appetite-non-ca/)) - Core industry segments and overall mix of business are concentrated in Accident Fund’s traditional workers’ comp classes (details by percentage of written premium are provided in the Mix of Business marketing piece; agents should use this as a general guide to the kinds of industries the carrier actively writes).([accidentfund.com](https://www.accidentfund.com/resources/accident-fund-mix-of-business/)) - Group Programs are a key strategy for small business owners; Accident Fund promotes group workers’ comp programs to reward employers who emphasize safety, providing savings and dividends where available. These are particularly attractive for small business owners in qualifying associations or groups.([accidentfund.com](https://www.accidentfund.com/resources/group-business-owner-overview/)) Restricted or declined classes: - Public-facing web content does not publish a specific list of prohibited WC class codes. Appetite detail for National Accounts and other segments is delivered via downloadable PDFs and marketing materials, which must be accessed through the Accident Fund/AF Group resource library. Agents should refer to those appetite PDFs (including National Accounts – Appetite for CA and Non‑CA) for current class‑by‑class appetite; risks outside those guides should be treated as restricted and discussed with underwriting.([accidentfund.com](https://www.accidentfund.com/resources/national-accounts-appetite-non-ca/)) Geographic notes: - National Accounts appetite is split between California and non‑California business, with separate appetite documents for each, indicating differing structures and possibly class/industry preferences by geography.([accidentfund.com](https://www.accidentfund.com/resources/national-accounts-appetite-non-ca/)) - Accident Fund writes across multiple states as part of AF Group’s workers’ comp division; state‑specific tools such as California Medical Provider Network and Texas Health Care Network searches are supported from the Services menu, signaling active WC operations in those jurisdictions.([accidentfund.com](https://www.accidentfund.com/services/afxpress/submission-process/)) Submission requirements / process (AFXpress small‑account platform): - AFXpress is Accident Fund’s automated small‑account quoting and binding platform (eLink) for appointed agents. It is positioned as having an “extensive underwriting appetite for new business” with pricing authority in the system.([accidentfund.com](https://www.accidentfund.com/services/afxpress/submission-process/)) - Step 1 – Account Setup: Agents should use Real Time rating to bridge ACORD standard information from their Agency Management System (Applied TAM/Vision/EPIC; AMS 360/AfW/Sagitta) directly into eLink, minimizing manual entry. Manual ACORD data entry is also accepted when bridging is not used.([accidentfund.com](https://www.accidentfund.com/services/afxpress/submission-process/)) - Step 2 – Rate/Quote: Once ACORD data is entered and verified, eLink rates the risk and either returns an approved quote (with premium) or a declination. Pricing can be adjusted upward via scheduled rating based on account characteristics; downward adjustments below the eLink price are not permitted.([accidentfund.com](https://www.accidentfund.com/services/afxpress/submission-process/)) - Step 3 – Bind: A policy number is issued upon completion of the binding steps; a printable bound application is available for the agent to save/email/print.([accidentfund.com](https://www.accidentfund.com/services/afxpress/submission-process/)) - Steps 4–5 – Processing & Issuance: Carrier staff perform a quality check, then the system issues the policy in an overnight cycle. Agents receive an email when the policy is ready and can download policy information back into their agency system.([accidentfund.com](https://www.accidentfund.com/services/afxpress/submission-process/)) - Step 6 – Billing/Payments: Policyholders and AFXpress agents can enroll in online bill pay (one‑time or scheduled payments) with email notifications for invoice availability and payment confirmations.([accidentfund.com](https://www.accidentfund.com/services/afxpress/submission-process/)) Broker / producer notes: - Appetite and brand‑level guidance for Accident Fund and the other AF Group workers’ comp brands are consolidated in the AF Group Workers’ Comp Division Brand Summaries marketing piece, available via the Accident Fund resource library; producers should use this to understand when Accident Fund vs. another AF Group brand is the right placement for a given WC risk.([accidentfund.com](https://www.accidentfund.com/resources/af-group-workers-comp-division-brand-summaries/)) - For National Accounts, detailed appetite (e.g., industries, program structures, territory assignments) is delivered via downloadable PDFs linked from the National Accounts – Appetite (CA and Non‑CA) pages; producers should consult these documents and coordinate with National Accounts underwriting for large, loss‑sensitive opportunities.([accidentfund.com](https://www.accidentfund.com/resources/national-accounts-appetite-non-ca/)) Operationally, treat Accident Fund as a workers‑comp‑only market with strong automated small‑account capabilities (AFXpress/eLink), robust group programs for small business, and a dedicated National Accounts unit for larger, loss‑sensitive WC programs. Use the AFXpress submission workflow and ACORD data bridging wherever possible, and rely on the National Accounts appetite PDFs and brand summaries for class/geography fit; any risks clearly outside these marketing guides should be pre‑discussed with underwriting before marketing to the insured.