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 is a monoline workers’ compensation carrier focused on higher-hazard business and states that it provides workers’ comp for high hazard industries many other providers avoid. Its agent-facing materials highlight target sectors including agribusiness, construction, manufacturing, marine, oil & gas, trucking, and wood products. The carrier indicates it reviews submissions individually and considers risks regardless of experience modifier, and its FAQs state there is no cap on experience mods. AMERISAFE considers accounts with less than 13 months of prior workers’ comp coverage to be new ventures; some may be considered depending on industry and circumstances, with underwriter consultation recommended. For trucking, AMERISAFE states it will write owner-operator risks if the owner-operator is included on the policy. Geographic guidance: AMERISAFE actively markets workers’ comp in 27 states and references a territory map; it also notes that in non-core territories it may allow up to a combined 25% exposure, increased to 45% in Texas and Oklahoma, when the primary exposure is in an accepting-submissions territory. Submission requirements published for agents include a completed ACORD 130, current loss control/safety contact information with name, phone, and email, and current valued loss runs for the current term plus the three preceding years if applicable; loss runs should be dated within the last 6 months. AMERISAFE accepts submissions up to 120 days in advance of expiration/effective date to allow field safety review before final underwriting decision. Published minimum rated premium is $5,000, with exceptions for certain classes due to class characteristics. Broker/producer notes: submissions can be handled through the GEAUX agent portal, which AMERISAFE describes as a real-time submission system with direct underwriter interaction, but the company states it does not provide online rating/quoting. If a submission was previously declined for insufficient information, the agent should contact the underwriter to continue, and an AOR letter may be required if another agent has reserved the risk. For agency appointments or agency ownership changes, AMERISAFE directs agents to its agency application/contact channels and Sales Compliance team.