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
EverPeak is Attune’s workers’ compensation solution, accessed and transacted through the Attune digital portal. It targets small businesses, including many hard‑to‑place industries, with straight‑through quote and bind and rigorous, data‑driven underwriting backed by A‑rated carriers.([attuneinsurance.com](https://www.attuneinsurance.com/everpeak?utm_source=openai)) PREFERRED / TARGET BUSINESS - Small commercial accounts whose estimated annual workers’ compensation premium falls within EverPeak’s size parameters: up to about $100,000 (inclusive of taxes) for hazard groups A–D and up to about $25,000 (inclusive of taxes) for hazard groups E–F. Minimum premium is state and class dependent.([attunehelp.zendesk.com](https://attunehelp.zendesk.com/hc/en-us/articles/28927708460827-What-coverages-are-available-for-EverPeak-workers-compensation-policy?utm_source=openai)) - Classes that align with EverPeak’s internal "preferred" tiering receive more favorable pricing and incentive treatment; preferred governing class codes are referenced in Attune’s internal underwriting guidelines and are used to calculate producer incentives.([attuneinsurance.com](https://www.attuneinsurance.com/legal/attune-workers-compensation-summer-incentive?utm_source=openai)) - Many mainstream and moderately higher‑hazard industries are eligible; over 345–400 class codes are designed for straight‑through quote‑to‑bind on the portal, allowing agents to bind instantly without traditional paperwork.([attuneinsurance.com](https://www.attuneinsurance.com/everpeak?utm_source=openai)) DECLINED / RESTRICTED BUSINESS - Submissions can be declined automatically when Attune’s actuarial tiering model identifies the account as high risk ("Tiering Declined for Workers’ Compensation"). This indicates a predicted loss ratio that exceeds EverPeak’s tolerance; these declinations are not manually overridable.([attunehelp.zendesk.com](https://attunehelp.zendesk.com/hc/en-us/articles/28851299538971-Why-was-my-EverPeak-workers-compensation-quote-declined?utm_source=openai)) - Other declinations may return as "Frontier Quote Not Bindable at This Time" where the nature of operations, claims history, or other factors fall outside current underwriting guidelines or preferred profile; agents are directed to consult their Attune account manager for specifics.([attunehelp.zendesk.com](https://attunehelp.zendesk.com/hc/en-us/articles/28851299538971-Why-was-my-EverPeak-workers-compensation-quote-declined?utm_source=openai)) - Internal materials distinguish between hot, preferred, and non‑preferred classes; non‑preferred (higher‑hazard) classes generally face tighter requirements, including mandatory safety reviews or surveys, and are more likely to be declined if overall risk is poor.([attunehelp.zendesk.com](https://attunehelp.zendesk.com/hc/en-us/articles/28761537187867-Workplace-Safety-Review-Overview-for-Attune-Agencies?utm_source=openai)) GEOGRAPHIC NOTES - EverPeak launched with availability in an initial group of 14 states and is in the process of expanding toward a broader nationwide footprint. Exact eligible states and any state‑specific restrictions should be confirmed in the Attune portal at time of quote, as the state list is actively expanding.([attuneinsurance.com](https://www.attuneinsurance.com/press-release/attune-insurance-expands-workers-comp-offerings-with-launch-of-everpeak-tm-insurance-on-its-digital-platform?utm_source=openai)) RISK MANAGEMENT / SAFETY REQUIREMENTS - EverPeak partners with external safety specialists (Builders) to conduct workplace safety reviews for certain classes and premium sizes. Participation in these reviews is mandatory for policyholders who fall into the review grid; failure to complete required reviews can jeopardize continuation of coverage.([attunehelp.zendesk.com](https://attunehelp.zendesk.com/hc/en-us/articles/28761537187867-Workplace-Safety-Review-Overview-for-Attune-Agencies?utm_source=openai)) - Safety review triggers are based on hazard group (hot, preferred, non‑preferred) and policy size. Non‑preferred classes often require at least a phone review, with in‑person surveys for larger policies. Some preferred classes over certain premium thresholds also require in‑person surveys, though select preferred classes may be exempt regardless of premium per Attune’s exception list.([attunehelp.zendesk.com](https://attunehelp.zendesk.com/hc/en-us/articles/28761537187867-Workplace-Safety-Review-Overview-for-Attune-Agencies?utm_source=openai)) UNDERWRITING APPROACH - EverPeak functions as an MGA responsible for product development, pricing, and underwriting, partnering with an A‑rated national carrier and supported by Pinnacol Assurance. Underwriting leverages big‑data analytics and a "no‑touch, bind‑or‑decline" model for most accounts, integrating tools such as Carpe Data’s Minerva for real‑time risk insights and NAICS validation.([reinsurancene.ws](https://www.reinsurancene.ws/carpe-data-partners-with-everpeak-to-streamline-and-accelerate-underwriting/?utm_source=openai)) - Attune emphasizes intelligent automated underwriting and straight‑through processing wherever possible; the system itself determines eligibility and tier placement, with limited ability for manual override.([attunehelp.zendesk.com](https://attunehelp.zendesk.com/hc/en-us/articles/28851299538971-Why-was-my-EverPeak-workers-compensation-quote-declined?utm_source=openai)) SUBMISSION & PROCESS EXPECTATIONS - Access is restricted to appointed Attune agents. Submissions, quoting, and binding are all handled through the Attune portal; the portal entry effectively serves as the application, eliminating ACORD forms and traditional bind signatures.([attuneinsurance.com](https://www.attuneinsurance.com/?utm_source=openai)) - Agents can typically obtain a customized quote in minutes by entering client information; many eligible classes are straight‑to‑bind. There are no mandatory loss runs or signed applications at bind for standard processing, though underwriters may request additional information on a case‑by‑case basis.([attuneinsurance.com](https://www.attuneinsurance.com/?utm_source=openai)) - Claims for workers’ compensation policies placed via Attune are handled by designated carrier partners (e.g., Builders Insurance Group or EMPLOYERS for legacy WC), with contact details provided in Attune’s help center and policy documents.([attunehelp.zendesk.com](https://attunehelp.zendesk.com/hc/en-us/articles/360031889432-How-can-the-insured-report-a-workers-compensation-claim-?utm_source=openai)) BROKER / PRODUCER NOTES - Only Attune‑appointed agents can quote and bind EverPeak; this exclusivity is pitched as a market advantage for producers.([attuneinsurance.com](https://www.attuneinsurance.com/everpeak?utm_source=openai)) - Attune provides live support from underwriters and service staff via chat, phone, and email; agents are encouraged to contact their dedicated Attune account manager if a quote is declined or if guidelines are unclear. Account managers can explain declinations, suggest application modifications, and explore alternative options within appetite.([attunehelp.zendesk.com](https://attunehelp.zendesk.com/hc/en-us/articles/28851299538971-Why-was-my-EverPeak-workers-compensation-quote-declined?utm_source=openai)) - Producer incentives on EverPeak workers’ compensation can depend in part on the proportion of policies with governing class codes designated as "preferred" under Attune’s internal underwriting guidelines, reinforcing a focus on better‑quality risks.([attuneinsurance.com](https://www.attuneinsurance.com/legal/attune-workers-compensation-summer-incentive?utm_source=openai)) OPERATIONAL TAKEAWAYS FOR UNDERWRITERS & BROKERS - Use the Attune portal appetite checker and class selection to confirm EverPeak eligibility by state, class, and premium size at the point of quote. - Expect automated bind‑or‑decline decisions driven by tiering models; prepare insureds for the possibility of non‑overridable actuarial declines on higher‑risk accounts. - For accounts subject to safety review requirements, inform insureds that participation (phone or in‑person) is mandatory to maintain coverage. - Prioritize preferred hazard groups and governing class codes to align with incentive structures and improve bind and retention outcomes.