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
Amerisure’s currently published appetite is centered on U.S.-based commercial P&C accounts in four primary industry segments: construction, manufacturing, healthcare, and wholesale/distribution. The carrier states it is licensed in all 50 states and distributes business through an exclusive network of independent agents rather than broad direct access. Core coverages shown on the industry platform include workers’ compensation, general liability, commercial auto, commercial property, inland marine, umbrella, loss sensitive, and surety. Construction is a major target class, with messaging focused on contractors and related exposures such as jobsite injuries, liability allegations, auto accidents, theft of equipment, and property damage; Amerisure highlights construction-specific enhancements including blanket additional insured, GL extension, umbrella extension, employee benefits liability, limited pollution reimbursement, fuel/lubricant pollution incident auto liability reimbursement, and repair/rework expense indemnification. Manufacturing is also a core class, with appetite language around a broad range of manufacturers including metal, woodworking, electronics, concrete, and related operations, supported by property/casualty, claims, and risk management resources. Healthcare appetite is expressly aimed at hospitals, clinics, and long-term care operations including skilled nursing, assisted living, and continuing care communities; healthcare pages also emphasize workers comp, loss sensitive, property, and commercial auto. Beyond the core markets, Amerisure publishes additional program business through exclusive agency partnerships, including gas & welding, security guard/private investigation and alarm installation, tow operators, condominium associations, swimming pool contractors, and equipment rental. No formal public decline list or restricted-classes bulletin was found on the verified public site; operationally, the website suggests non-core risks are generally handled only through specific program partners, and placement access is controlled through selected agencies. Geographic note: the carrier states it is licensed in all fifty states, but appetite should still be confirmed by state and class because coverage/services may vary by state. Submission and producer notes: insureds are directed to ‘Find an Agency’; agents are described as an exclusive/elite independent agency network, and prospective agency relationships route through the agency application contact form. Broker-facing instructions visible publicly are limited, but the site consistently emphasizes underwriting specialization, risk management support, claims partnership, fraud prevention, and annual premium audit. Premium audit materials indicate underwriting teams and agencies work together to confirm exposure details and accurate classification/revenue information, which implies submissions should be complete and operationally detailed, especially around business nature, payroll/revenue, autos/fleet, and certificates/subcontractor exposures where relevant.