AmeriSafe
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
PRODUCT & TARGET INSURED PROFILE - Monoline workers’ compensation focused on small to mid-sized employers in high-hazard industries.([amerisafe.com](https://www.amerisafe.com/?utm_source=openai)) - Core target sectors include agribusiness/agriculture, construction, manufacturing, marine/maritime, trucking/transportation, oil & gas/energy, garbage collection and other heavy/hazardous operations.([amerisafe.com](https://www.amerisafe.com/policyholders/become-a-policyholder/?utm_source=openai)) - Appetite skewed toward accounts that value safety, will engage in loss control visits, and provide access to management and safety contacts.([amerisafe.com](https://www.amerisafe.com/agents/submission-requirements/?utm_source=openai)) PREFERRED / APPETITE HIGHLIGHTS - High-hazard classes in the core sectors listed above, where insured is willing to work with AMERISAFE field safety professionals and allow pre‑quote or pre‑bind safety inspections. - Accounts with established operations and credible loss history (generally several years of prior coverage and loss runs; some wholesalers cite expectation of 3 years prior coverage).([amerisafe.com](https://www.amerisafe.com/agents/submission-requirements/?utm_source=openai)) - Policyholders seeking hands‑on safety, onsite consultation, and strong claims management rather than price‑only placements.([amerisafe.com](https://www.amerisafe.com/?utm_source=openai)) RESTRICTED / DECLINED TENDENCIES - No explicit public “declined classes” list; underwriting is case‑by‑case for high‑hazard segments. However, they position themselves **specifically** as a market for high‑hazard industries, so low‑hazard main‑street WC (offices, retail, etc.) is generally not the focus and may be non‑competitive.([amerisafe.com](https://www.amerisafe.com/?utm_source=openai)) - Accounts unwilling to cooperate with safety services or onsite surveys are less likely to be written or renewed, given their model. GEOGRAPHIC NOTES - AMERISAFE actively markets workers’ compensation in 27 U.S. states; refer to the current territory map for active states and subsidiaries used (American Interstate Insurance Company, American Interstate Insurance Company of Texas, Silver Oak Casualty, etc.).([amerisafe.com](https://www.amerisafe.com/agents/view-territory-map/?utm_source=openai)) - Business should generally be located in an actively marketed state; out‑of‑territory submissions are typically not targeted unless specifically coordinated with underwriting. SUBMISSION REQUIREMENTS (PRODUCERS / AGENTS) - Minimum rated premium: generally $5,000; AMERISAFE notes certain class‑specific exceptions where smaller premium may be considered.([amerisafe.com](https://www.amerisafe.com/agents/submission-requirements/?utm_source=openai)) - Lead time: submissions accepted up to 120 days prior to current WC expiration to allow time for surveys and underwriting review.([amerisafe.com](https://www.amerisafe.com/agents/submission-requirements/?utm_source=openai)) - Core submission items to AMERISAFE: - Completed ACORD 130 Workers’ Compensation application.([amerisafe.com](https://www.amerisafe.com/agents/submission-requirements/?utm_source=openai)) - Current loss control/safety contact information (name, phone, email) at the insured.([amerisafe.com](https://www.amerisafe.com/agents/submission-requirements/?utm_source=openai)) - Current valued loss runs for the current term plus three prior years, dated within the last 6 months.([amerisafe.com](https://www.amerisafe.com/agents/submission-requirements/?utm_source=openai)) - AMERISAFE emphasizes that the more detail a producer includes (operations narrative, safety programs, fleet info, etc.), the better the underwriting outcome; they individually underwrite and consider all risks regardless of experience modifier, but quality data is expected.([amerisafe.com](https://www.amerisafe.com/agents/submission-requirements/?utm_source=openai)) BROKER / PRODUCER NOTES - Business is written through contracted independent agencies and Amerisafe General Agency; over 2,200 agencies are appointed. Producers generally need an appointment or to work through an appointed wholesaler/agency.([d18rn0p25nwr6d.cloudfront.net](https://d18rn0p25nwr6d.cloudfront.net/CIK-0001018979/bbcd4097-76d8-4263-9a8a-28efb203f7a4.html?utm_source=openai)) - Field Safety Professionals and Field Case Managers are integral to the underwriting and servicing model; expect and encourage their involvement before and after binding.([amerisafe.com](https://www.amerisafe.com/?utm_source=openai)) - For submission or appetite questions, producers are directed to contact their AMERISAFE underwriter or underwriting services at the central number/email provided on the submission requirements page.([amerisafe.com](https://www.amerisafe.com/agents/submission-requirements/?utm_source=openai)) OPERATIONAL TAKEAWAYS FOR UNDERWRITERS / BROKERS - Use AMERISAFE primarily for higher‑hazard WC in their active 27‑state territory where the insured is open to safety engagement, onsite visits, and detailed underwriting information. - Ensure minimum premium (~$5k+) is met or confirm class‑driven exceptions with the underwriter prior to full workup. - Always include ACORD 130, 3–4 years recent valued loss runs (≤6 months old), contact for safety, and an operations/safety narrative in the initial submission. - Set expectations with insureds that a safety survey and close coordination with field staff are normal parts of the quoting and ongoing service process.