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
Workers’ compensation monoline carrier focused on high‑hazard industries. Primary target segments include agribusiness, construction, manufacturing, marine, oil & gas, trucking, and wood products; all accounts are individually underwritten with strong emphasis on field safety evaluation rather than e‑mod cutoffs or blanket class accept/decline rules. Preferred business / appetite - High‑hazard operations within listed core industries where safety culture can be demonstrated and verified via pre‑quote safety visit. - Accounts large enough to support active safety programs; minimum rated premium is generally $5,000, with some class‑driven exceptions noted by underwriting. - Risks using owner‑operators in trucking are acceptable when the owner‑operator is included on the WC policy. - Accounts with prior coverage history are preferred, but new ventures may be considered selectively depending on industry and circumstances; underwriter review required. Restricted / declined tendencies - AMERISAFE publicly states that it evaluates all submissions individually and does not apply hard caps on experience mods; however, poor loss experience, weak or non‑existent safety controls, or inability/unwillingness to accommodate a safety visit are strong negative factors. - New ventures (less than 13 months of prior WC coverage) are written on an exception basis only and may be declined depending on industry and details. - Writes only workers’ compensation; other lines must be placed elsewhere. Geographic notes - Provides workers’ compensation coverage on a multistate basis and actively markets WC in 27 states; agents should verify that a risk’s primary operations are in an actively marketed state using the AMERISAFE territory map. Submission requirements (agents) - Submissions may be sent up to 120 days in advance of the current expiration date to allow time for field safety survey and underwriting review. - Standard submission components: - Completed ACORD 130 workers’ compensation application. - Current loss control/safety contact information, including name, phone, and email for the on‑site safety POC. - Currently valued loss runs for the current term plus three prior years (if applicable), dated within the last six months. - Use the GEAUX online agent portal to create and prequalify submissions, check clearance, communicate with underwriters via chat/notes, respond to quotes, request binding, and manage endorsements and policy changes. Safety visit / underwriting process - Underwriters typically request a pre‑quote safety visit by an internal Field Safety Professional (FSP) for prospects, especially in higher‑hazard classes. - Agent should identify a knowledgeable point‑of‑contact (owner, safety manager, or similar) and provide direct phone/email; advise the insured that an AMERISAFE representative will contact them to schedule a jobsite safety visit. - FSP will conduct an office interview plus worksite observation and provide verbal recommendations; results feed into the underwriting decision and pricing. Broker / producer notes - AMERISAFE emphasizes quality and completeness of submissions; more detail improves turnaround and the likelihood of a competitive quote. - If a submission is initially declined for insufficient information, producer should contact the underwriter with the missing data; an Agent of Record letter may be required if another agent already has the risk reserved in the system. - Submissions, binding requests, and ongoing communication are expected to flow through the GEAUX agent portal, with underwriting support available by phone/email for complex accounts.