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 risks, distributed through an exclusive independent agency network, with primary focus on construction, manufacturing, healthcare, and wholesale/distribution. The carrier states it is licensed in all 50 states and emphasizes industry specialization, risk management support, claims service, fraud prevention, and annual premium audit services. Core coverages promoted across target segments include workers’ compensation, general liability, commercial auto, commercial property, inland marine, umbrella, and package-style solutions, with loss sensitive and surety also highlighted. Construction appetite includes contractors with exposures involving jobsite injury, liability, auto, theft of equipment, and property damage; manufacturing appetite highlights broad P&C for manufacturers plus specialized options such as product recall, manufacturers E&O, and flexible property/package solutions; healthcare appetite includes hospitals/clinics and long-term care such as skilled nursing, assisted living, and continuing care communities; wholesale/distribution appetite focuses on inventory, fleet, and shipment-related risks. Amerisure also publishes program business for harder-to-place or niche classes through Amerisure Programs (AMP), including gas & welding distributors, security guard/private investigation/alarm installation, tow operators, swimming pool contractors/retailers, equipment rental, and condominium association risks, generally written through named partner agencies or program administrators. No broad public-facing decline list or detailed restricted-classes matrix was found on the official site; however, the site indicates business is concentrated in stated target industries and selected program niches, so risks outside those segments or outside partner-program channels may require case-by-case review or may not fit appetite. Geographic notes: nationwide licensing is stated, but some AMP products show program-specific state footprints, such as tow operators limited to listed Midwest/Mid-Atlantic states and swimming pool contractors focused on Florida and the Southeast. Submission/broker notes: Amerisure distributes via an exclusive network of elite independent agents rather than open direct submissions; public calls to action are to find an agency, and agents/policyholders access portal functions through SureConnect. Program business often routes through designated partner agencies with listed contacts. Operationally, expect submissions that demonstrate industry fit, risk controls, safety culture, accurate payroll/exposure data for audit, and readiness to use Amerisure’s risk management and claims resources.