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
Operational appetite and underwriting guidance for Amerisure Insurance Company (part of Amerisure group): PREFERRED BUSINESS / TARGET MARKETS - Core focus on middle‑market commercial P&C for U.S.-based insureds in: - Construction: commercial general contractors and specialty trades such as carpentry, concrete, electrical, drywall, insulation, plumbing, and HVAC. Emphasis on jobsite safety, use of contracts, and risk‑management engagement. ([amerisure.com](https://amerisure.com/wp-content/uploads/2024/05/Amerisure-Fact-Sheet.pdf?utm_source=openai)) - Manufacturing: broad appetite for manufacturers, especially furniture, metal, print, plastic, and stone manufacturing, supported by specialized risk management and loss control. ([amerisure.com](https://amerisure.com/wp-content/uploads/2024/05/Amerisure-Fact-Sheet.pdf?utm_source=openai)) - Healthcare: hospitals and clinics plus long‑term care, including skilled nursing, assisted living, and continuing care retirement communities. ([amerisure.com](https://amerisure.com/wp-content/uploads/2024/05/Amerisure-Fact-Sheet.pdf?utm_source=openai)) - Wholesale / Distribution: wholesale and distribution operations needing coordinated workers comp, property, auto and inland marine solutions. ([amerisure.com](https://amerisure.com/style-guide/?utm_source=openai)) - Programs / niche segments written via specialized partners, e.g.: - Security guards (armed and unarmed), private investigators, and alarm installers through Cornerstone Underwriting Partners. - Condominium association program (selected states) via Arden Insurance Services for residential and mixed‑use condo associations. ([amerisure.com](https://amerisure.com/products/security/?utm_source=openai)) - Account size positioning: middle‑market and larger commercial accounts with total premium typically starting around $50,000+, with loss‑sensitive options and captives available for large accounts. ([amerisure.com](https://amerisure.com/style-guide/?utm_source=openai)) PRODUCT & COVERAGE EMPHASIS - Primary commercial lines: Workers’ Compensation, Commercial Auto, Commercial Property, General Liability, Inland Marine, and Umbrella are core offerings across construction, manufacturing, healthcare and wholesale/distribution. ([amerisure.com](https://amerisure.com/industries/?utm_source=openai)) - Additional capabilities: contract surety (performance, payment and commercial bonds) under Amerisure Surety; availability of loss‑sensitive programs (large deductible, retro, captives, OCIP/CCIP) for qualifying larger accounts. ([amerisure.com](https://amerisure.com/file-a-claim/?utm_source=openai)) - Strong embedded risk‑management, premium audit and claims resources; Amerisure emphasizes coordinated "One Amerisure" service delivery and proactive loss control in its target industries. ([amerisure.com](https://amerisure.com/wp-content/uploads/2024/05/Amerisure-Fact-Sheet.pdf?utm_source=openai)) GEOGRAPHIC & DISTRIBUTION NOTES - Licensed in all 50 states, but business is accessed exclusively through an "exclusive network of elite independent agents" designated as Partners For Success®. Retail access is restricted to appointed/selected agencies; no open‑broker access. ([amerisure.com](https://amerisure.com/industries/?utm_source=openai)) - Historically expands into new operating states selectively; prospective insureds and producers are directed to use Amerisure’s agency locator to find an appointed partner, underscoring that submissions must flow through contracted agencies. ([prweb.com](https://www.prweb.com/releases/amerisure-expands-into-three-new-states-offering-p-amp-c-insurance-through-exclusive-partners-for-success-r-program-835769759.html?utm_source=openai)) RESTRICTED / DECLINED / CAUTIONARY AREAS - Amerisure flags that it has specific limitations on property capacity, certain exposure types, and classes it will not cover. These are not fully enumerated publicly; guidance is that risks clearly outside construction, manufacturing, healthcare or wholesale/distribution, or beyond property/cat capacity, are typically declined unless incidental to a larger desirable portfolio. ([amerisure.com](https://amerisure.com/style-guide/?utm_source=openai)) - Certain niche segments (e.g., security, private investigators, alarm installers; condo associations) are only available within defined program structures and often limited to specified states; non‑program risks in those classes should be assumed restricted/declined unless the exposure is incidental to a preferred account. ([amerisure.com](https://amerisure.com/products/security/?utm_source=openai)) - Amerisure positions itself as a standard, admitted middle‑market carrier with disciplined underwriting; high‑hazard operations outside the defined industry focus, purely residential small accounts, or monoline placements without a broader relationship are less likely to fit appetite. SUBMISSION & UNDERWRITING EXPECTATIONS - Business must be submitted through an appointed Partners For Success® independent agency; Amerisure does not provide a direct open-market portal for non‑appointed producers. - Underwriters manage risk at the middle‑market and large‑account level, using workers’ compensation, auto, property, GL, umbrella and inland marine as an integrated solution; expect a consultative underwriting process with detailed risk information, loss history, safety programs and site visits for more complex accounts. ([amerisure.com](https://amerisure.com/wp-content/uploads/2024/05/Amerisure-Fact-Sheet.pdf?utm_source=openai)) - Risk eligibility that cannot be determined at agency pre‑screening is escalated to company underwriting; Amerisure indicates it can provide detailed eligibility by SIC/class upon request, which suggests agents should confer with their field underwriter on borderline classes rather than assume eligibility. ([amerisure.com](https://amerisure.com/style-guide/?utm_source=openai)) - For large or complex accounts, Amerisure uses loss‑sensitive pricing structures and may require facultative reinsurance placements and enhanced controls, driven by an underwriting analytics and segment‑director framework (e.g., dedicated manufacturing underwriting leadership). ([ir.guidewire.com](https://ir.guidewire.com/news-releases/news-release-details/amerisure-modernizes-policy-administration-underwriting-and?utm_source=openai)) BROKER / PRODUCER NOTES - Distribution is intentionally limited: Amerisure partners with a select group of independent agencies that demonstrate strong commercial expertise in the core industries; producers outside this network should expect to place business through one of these appointed agencies, not to contract directly. ([amerisure.com](https://amerisure.com/wp-content/uploads/2024/05/Amerisure-Fact-Sheet.pdf?utm_source=openai)) - Amerisure emphasizes long‑term relationships with agencies and policyholders, coordinated risk management involvement, and high‑touch claims; producers are expected to position Amerisure for multi‑line, relationship‑oriented accounts rather than purely transactional monoline placements. ([prweb.com](https://www.prweb.com/releases/amerisure-expands-into-three-new-states-offering-p-amp-c-insurance-through-exclusive-partners-for-success-r-program-835769759.html?utm_source=openai)) - For program business (security/PI/alarm, condo associations), producers should work through the designated MGAs (Cornerstone Underwriting Partners, Arden Insurance Services) and follow those entities’ underwriting and submission protocols, even though Amerisure is the carrier. ([amerisure.com](https://amerisure.com/products/security/?utm_source=openai)) PRACTICAL OPERATING SUMMARY - Best use: middle‑market and larger construction, manufacturing, healthcare and wholesale/distribution accounts needing coordinated WC, GL, auto, property and umbrella, with engaged safety culture and willingness to work with carrier risk management. - Avoid submitting: risks outside those industries, very small commercial accounts, or classes/programs not identified in Amerisure’s focus segments unless exposure is incidental; expect limited appetite and higher declination rates for such business. - Always pre‑clear unusual classes, property-heavy exposures, and out‑of‑segment operations with Amerisure underwriting, using the agency’s field underwriter contact and SIC‑based eligibility tools that Amerisure references but does not publish publicly.