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
AMERISAFE remains a mono-line workers’ compensation carrier focused on small to mid-sized employers in hazardous industries. Published target segments include agribusiness, construction, manufacturing, marine, oil & gas, trucking, wood products, and the ready reference also specifically includes roofing and other hazardous industries. The carrier states it evaluates submissions individually and considers risks regardless of e-modifier, but underwriting is centralized and not delegated to agencies, wholesalers, or third parties. Geography: AMERISAFE actively markets workers’ comp in 27 states. Its current territory map says it is accepting submissions in designated states, allows up to a combined 25% exposure in non-core territories when the primary exposure is in an accepting state, and allows up to 45% combined non-core exposure for Texas and Oklahoma accounts; outside those parameters it offers no coverage. Submission timing and premium: submissions are accepted up to 120 days before effective date/expiration; new business minimum rated premium is $5,000 with some class-based exceptions; the risk must have workers’ comp coverage in force for at least 8 months. Required submission items: completed ACORD 130, current loss control/safety contact information, direct name/phone/email for the prospect, and current valued loss runs for the current term plus three prior years when applicable, dated within 6 months. Full experience mod worksheets are preferred but not required. Florida roofers require the producer to contact the underwriter or territory sales manager before submission. Operational underwriting notes: AMERISAFE expects pre-bind safety involvement and asks agents to notify prospects that AMERISAFE Safety Professionals may perform safety visits before underwriting makes a final decision. Quotes are generally good for 60 days from issuance; renewal offers are good for 60 days after the proposed effective date subject to possible lapse in coverage. Binding notes: a formal request to bind must be received before the effective date, accounts are only bound after underwriting approval, AMERISAFE confirms binding with the policy number, and deposit plus all signed forms must be received within 10 business days of binding for new business; renewal required documents are due within 10 days of binding. Broker/producer instructions: submit via the GEAUX agent portal or mail/fax as directed; agents issue certificates and only ACORD 25 is approved; endorsement requests must be sent in writing or via GEAUX; coverage reductions require policyholder signature; preferred payroll reporting options (monthly, quarterly, annual) should be discussed with underwriting before binding. Audit/cancellation notes published for producers include physical annual final audits, possible interim audits, cancellation for nonpayment or other lawful causes, and short-rate insured-request cancellations requiring written request plus policy surrender or lost policy release. No formal broad class declination list was found on the public official pages reviewed, but the published appetite is clearly concentrated in hazardous workers’ comp classes and limited territorial availability.