Amerisure 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
Overall positioning & appetite - Amerisure is a commercial P&C carrier focused on U.S.-based middle‑market construction, manufacturing, healthcare and selected wholesale/distribution risks written through an exclusive network of independent agents under its Partners for Success (PFS) strategy. - Strategy emphasizes multi‑line solutions (package, WC, auto, GL, property, inland marine, umbrella, surety) for targeted industries rather than broad open‑market small accounts. ([amerisure.com](https://amerisure.com/our-products/manufacturing/?utm_source=openai)) Preferred / target business - Target industries explicitly called out: construction, healthcare, manufacturing, and wholesale & distribution, with the ability to serve “other industries” on a selective basis. - Within healthcare, Amerisure focuses on hospitals, clinics, and long‑term care facilities such as skilled nursing, assisted living and continuing‑care communities, supported by dedicated risk management and claims resources. - In manufacturing, appetite is broad across metal, wood products, electronics, concrete and related sectors, with emphasis on property and casualty packages and embedded risk‑management services. - Construction and related trades are core to the franchise, with strong alignment to commercial surety offerings for contractors and construction accounts. - The carrier positions itself as providing comprehensive multi‑line solutions (package, WC, auto, umbrella, inland marine, surety) with embedded risk‑management and technology‑driven safety programs, which are important for underwriting selection and account retention. - The company has developed an internal “commercial underwriting appetite guide” for 2024+ that defines target classes and account types by operating region; this tool is used with agents to grow in preferred classes and geographies. ([amerisure.com](https://amerisure.com/our-products/manufacturing/?utm_source=openai)) Restricted / declined classes (high level) - Public web content does not list a full declined‑class schedule, but Amerisure notes that some healthcare and long‑term‑care categories may fall outside appetite; they are willing to consider limited exposures when such operations are only a small part of a broader portfolio. - Amerisure indicates that detailed SIC‑code‑level class appetite (including out‑of‑appetite classes) is available on request or via the internal appetite guide for appointed agents, not on the public site. - Practical implication for brokers: assume non‑core industries (outside construction, manufacturing, healthcare, targeted wholesale/distribution) are selectively underwritten and must fit regional appetite and loss‑history expectations; treat heavy habitational, highly distressed long‑term‑care, and non‑synergistic mono‑line placements as suspect unless pre‑cleared with underwriting. ([amerisure.com](https://amerisure.com/style-guide/?utm_source=openai)) Geographic notes - Amerisure is described as a provider of commercial P&C solutions for U.S.-based businesses (no indication of international appetite). - Operations are regionally managed; the new commercial underwriting appetite guide is explicitly organized “by operating region,” and growth is targeted in selected regions and classes. Agents should expect appetite to vary by state/region and should check the regional appetite guidance or contact field underwriting before investing time in off‑strategy states or classes. - Surety operations are national but remain selective and built around a limited set of professional surety agents. Submission & underwriting expectations (operational) - Amerisure emphasizes underwriting discipline and middle‑market expertise; new business is expected to be multi‑line where possible, within defined target industries. - Internal materials highlight that underwriting is expected to provide “market and product expertise, responsiveness, and market consistency” while leveraging digital tools; agents should be prepared to provide complete submissions with quality data so accounts can be evaluated efficiently in the Guidewire‑based platforms. - Appetite for small business is being expanded, but controlled via the detailed interactive appetite guide. For agents this means: verify class/region appetite before submitting, especially for small mono‑line opportunities, and expect more automated/digitally supported workflows once class is confirmed as in‑appetite. - No public checklist is provided, but for competitive middle‑market package / WC / auto accounts, brokers should anticipate standard expectations: full ACORDs, detailed narrative of operations, 3–5 years currently‑valued loss runs, experience mods, safety and risk‑control information, and explanation of fleet and driver management when auto is included. - Surety: Amerisure’s surety business stresses partnership with “professional surety agents” and fast, responsive service. Practically, this implies surety submissions are expected to flow through a limited panel of specialist agents with complete financials, work‑in‑progress data and contractor background to support credit‑style underwriting. ([insurancenewsnet.com](https://insurancenewsnet.com/oarticle/amerisure-modernizes-policy-administration-underwriting-and-billing-management-capabilities-with-guidewire-to-increase-business-agility?utm_source=openai)) Broker / producer notes - Distribution is intentionally limited to an “exclusive network of elite independent agents” under the Partners for Success (PFS) program. Appointment is selective and focused on agencies that can produce profitable middle‑market business in the target industries. - Field underwriting leadership and PFS are explicitly tied together; Amerisure’s VP of field underwriting is responsible for aligning underwriting and relationship management with PFS growth, underscoring that producers are expected to collaborate closely with field underwriters and adhere to appetite guidance. - For detailed SIC‑level appetite questions, Amerisure invites contact through the agent relationship team rather than directing agents to a generic manual; they will provide the exhaustive class list and appetite detail on request to appointed agents. - Practically, non‑appointed brokers should route placements through wholesalers or MGAs that have Amerisure access; appointed agents should leverage their Amerisure marketing/field underwriting contacts early for off‑template classes or emerging industry risks. ([pfs.amerisure.com](https://pfs.amerisure.com/?utm_source=openai))