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 monoline workers’ compensation carrier. Current public-facing producer guidance centers on AFXpress, its automated small-business/new-business submission platform, and on industry-focused workers’ comp programs. Published appetite is broad but not fully class-listed on the public site; Accident Fund states it has an “extensive underwriting appetite for new business,” and agents can verify eligibility by class code through the AFXpress Class Codes Check tool. Publicly highlighted target industries include auto service, construction, education, health care, hospitality, manufacturing, professional services, retail/wholesale, and transportation. For small business accounts, Group Programs are also promoted, generally with a maximum of $75,000 policy premium for most group programs. Geographic notes: group-program discount/dividend availability varies by state; the site specifically notes IA, KS, MO, NC, NJ, PA, TN, TX, and WI do not allow the 5% up-front group discount due to state filings, and certain dividend tables exclude premium in states including CA, MO, NV, NY, NH, and WI. Submission requirements/instructions: AFXpress agents submit via eLink using ACORD data either bridged from supported agency management systems (Applied TAM, Vision, EPIC; AMS 360, AfW, Sagitta) or entered manually. The workflow is Account -> Rate/Quote -> Bind -> Processed -> Issued -> Web Payments. On rating, the system returns either an approved quote or a declination. Scheduled rating can move price upward based on account characteristics, but no downward price adjustments are permitted. Binding generates a policy number and printable bound application; carrier staff then complete a quality check and issue the policy overnight, with email notice to the agent when documents are ready. Broker/producer notes: Accident Fund invites agents seeking appointment to contact the team; agency licensing/appointment, address changes, and merger matters go through Agency Relations. Policy change requests are directed to PolicySupport@AccidentFund.com. Claims should be reported within 24 hours. No detailed public declined-class list was found on the verified official pages reviewed; instead, class acceptability appears to be controlled through the AFXpress class-code eligibility check and quote/decline logic.