Attune Insurance
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
Attune writes Workers’ Compensation primarily through its EverPeak program, available exclusively on the Attune platform. EverPeak is positioned as a broad‑appetite, hard‑to‑place WC solution backed by A‑rated carriers, with a focus on small commercial accounts and technology‑driven, automated underwriting. The public site and marketing material reference "transparent guidelines" and a mix of straight‑to‑bind classes plus underwriter‑review business, but the detailed WC class list and rule set are only accessible inside the Attune agent portal and are not fully published externally. Preferred / target WC business (inferred from EverPeak positioning and external broker cheat‑sheet references): - Small to midsize employers across a wide range of industries where other markets are restrictive, including many higher‑hazard classes; EverPeak advertises more than 300+ class codes available to quote and bind instantly. - Employers seeking guaranteed‑cost workers’ comp, not large‑deductible or self‑insured programs. - Agents already appointed with Attune and using the online portal; the WC product is designed for quick data entry and instant indication/quote. - Accounts where the governing class code falls into Attune’s internal "Preferred" bucket, which is rewarded in certain producer incentive programs. Restricted / declined WC classes (publicly stated or clearly indicated): - Certain contractor classes: external appetite material for Attune notes that some contractor classes are not available for WC even when eligible for BOP, signaling a general tightening around construction WC. Agents should not assume BOP‑eligible contractors are WC‑eligible and must rely on the portal appetite or underwriter confirmation. - Non‑profits: at least one Attune eligibility guide circulated to agents states that non‑profit organizations are not eligible for Workers’ Compensation through Attune; assume this remains a likely restriction unless updated in the portal. - Other specific high‑hazard or distressed segments (e.g., some habitational, certain staffing, heavy transportation, or very poor loss history) may be restricted or declined based on the internal WC appetite – these are controlled by the portal’s eligibility logic and may change without broad public notice. Geographic notes: - Attune is licensed nationwide and markets its small‑commercial platform (including WC) across all 50 states, but EverPeak availability and class eligibility can vary by state. Attune periodically announces state rollouts (e.g., press around EverPeak launches in individual states), so agents should use the appetite checker or quoting flow to confirm availability in a specific jurisdiction. Submission and underwriting process: - Access is limited to contracted/appointed agents using Attune’s online portal. ACORD applications and signatures at quote are generally not required; the portal data entry functions as the application. - Many WC class codes are "straight‑to‑bind" within pre‑set parameters. Higher‑risk or less common classes may trigger additional underwriting review, documentation requests, or post‑bind audits. - Bound policies are reviewed post‑bind by Attune underwriting. If an audit, eligibility, or data‑validation review identifies issues, Attune may request clarification or additional information; producers typically have about 10 business days to respond before cancellation for non‑compliance may be pursued. Broker / producer instructions and expectations: - WC and EverPeak are available only to Attune‑appointed agents; Attune emphasizes that only these agents can quote and bind EverPeak, giving them an "exclusive" advantage. - Producers are expected to: • Use the Attune portal appetite checker and internal underwriting guidelines to confirm eligibility and target classes. • Maintain current contact information in the Attune portal to ensure they receive underwriting and audit notices. • Respond promptly (within the requested timeframe) to any post‑bind underwriting or audit information requests to avoid notice of cancellation. • Be aware that certain promotions or incentives (e.g., workers’ comp production bonuses) may be tied to writing WC business with governing class codes that Attune designates as "Preferred" in its internal guidelines. Because Attune/ EverPeak WC underwriting guidelines are maintained behind the secure agent portal, specific class‑by‑class rules, payroll limits, experience mod thresholds, and prohibited class lists must be confirmed in the portal or with Attune underwriting for each submission. Use the publicly available EverPeak page for high‑level positioning only and rely on the portal’s appetite tools for operational detail.