Chesapeake Employers' 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 scope & geography: - Monoline workers’ compensation carrier focused on Maryland-domiciled employers; positions itself as the largest writer of workers’ compensation in Maryland. - Will consider Maryland employers that have multi-state exposures and can provide an "insurance solution" for other-states coverage via a partnered national carrier; details and availability are subject to Chesapeake Employers’ underwriting requirements. Preferred business / target profile: - Any business with principal operations domiciled in Maryland is broadly in scope; Chesapeake states they "offer coverage for all types of businesses across the state" and invite submissions on Maryland-based accounts, including those needing multi-state coverage. - Specific preferred / program business segments are supported with affinity or discount programs, indicating stronger appetite and pricing support for: - Associated Builders and Contractors (ABC) members. - Contractors participating in ABC STEP safety program. - Maryland restaurant owners. - ADR union construction accounts (Alternative Dispute Resolution programs). - Auto dealers (Auto Dealers Affinity Program). - Tree care and arborist operations (Tree Care Experts program). - Maryland nonprofits. - Maryland home improvement contractors. - Maryland State Firefighters Association members. - Towing businesses in the Towing Safety Program. - Emphasis on accounts that will engage with safety and loss control: the site highlights professional safety services, seminars, and safety technology, and markets itself as a workers’ compensation specialist with strong return-to-work focus. Restricted / declined classes (inferred from public appetite messaging): - Public-facing material does not list explicit prohibited class codes, but Chesapeake pushes producers to check a dynamic appetite listing via Ask Kodiak. Agents are expected to verify specific class appetite and any restrictions (e.g., higher-hazard construction, tree work, towing) in Ask Kodiak or with underwriting before binding. - High-hazard or specialty classes may only be acceptable when they fit within one of the structured programs (e.g., ABC contractors, towing, tree care, firefighters) and meet program safety requirements; outside-program risks or those with poor loss experience may be restricted or declined. Producer / broker notes: - Appetite access is centralized through the "Our Appetite" page, which directs agents to view class-by-class appetite using Ask Kodiak. Producers should treat Ask Kodiak as the primary reference for current risk appetite and any recent changes. - Chesapeake is actively courting appointed agents and invites them to submit any Maryland-domiciled workers’ compensation opportunity where the client may benefit from local expertise, dividends, safety services, or multi-state solutions. - Program/affinity business (ABC, restaurants, ADR union construction, auto dealers, tree care, nonprofits, home improvement contractors, firefighters, towing) likely has tailored underwriting criteria and pricing; producers should use the linked program pages for specific eligibility, required documentation, and any safety or participation commitments. Submission expectations (operational): - For any Maryland domicile account, agents are encouraged to seek a quote directly from Chesapeake Employers. Appetite and eligibility by class should be validated in Ask Kodiak before submission. - Multi-state accounts should still be Maryland-domiciled; other-states coverage is coordinated through a partnership with a national carrier and is always "subject to Chesapeake Employers’ underwriting requirements," so agents should be prepared to discuss out-of-state exposure details in depth. - For program-related business, use the relevant program pages linked from the appetite page to confirm qualifying membership (e.g., ABC, Maryland Nonprofits) and follow any indicated procedures for documentation and safety engagement. Practical placement guidance: - Treat Chesapeake as a go-to market for Maryland workers’ comp, especially where local claims handling, active safety services, or dividend plans are selling points. - Prioritize them for construction (especially ABC/ADR union construction), restaurants, auto dealers, tree care, nonprofits, trades/home improvement, fire/EMS and towing operations that meet safety expectations and program criteria. - Use Ask Kodiak to screen unusual or higher-hazard class codes before investing time in a full submission, and contact underwriting for clarification on borderline or complex multi-state risks.