CopperPoint 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
CopperPoint Insurance Company positions itself as a specialty workers’ compensation carrier with a growing commercial P&C offering in selected states. Appetite and submission guidance are organized primarily by account size (small, middle market, large) with additional detail in regional appetite guides accessible from the Appetite page. PREFERRED / TARGET BUSINESS - Core line is Workers’ Compensation across small, middle market, and large accounts, with strong emphasis on four key industry verticals: Construction, Agriculture, Hospitality, and Healthcare. These sectors are specifically called out as focus industries for middle-market and larger WC accounts. - Small Business WC: Target accounts up to roughly $25,000 in annual premium, with "a wide array of class codes" and a stated bigger appetite for small business. They note serving more than 7,000 small-business customers, so broad but still subject to class-code eligibility and regional appetite guides. - Middle Market WC: Target premium band is about $25,000–$500,000. Appetite is broad, with particular specialization in Construction, Agriculture, Hospitality, and Healthcare verticals. - Large Accounts WC: Premium over $500,000 with an "unrestricted appetite" for large workers’ compensation risks, especially when they align with CopperPoint’s industry focus. Large accounts can be written on Guaranteed Cost or Loss Sensitive structures and typically receive tailored risk management and loss control services. - Commercial P&C: CopperPoint offers a select but expanding multiline P&C portfolio (Auto, Property, GL, Umbrella, Inland Marine) for complex, severity‑driven exposures in targeted states. P&C is currently emphasized in Arizona and the AK/PNW region (Alaska and Pacific Northwest states) where they highlight strong appetite for Hospitality, Commercial Contracting, Landscaping, Manufacturing, Real Estate, and Retail. EPLI and cyber may be available as endorsements to certain P&C packages. RESTRICTED / DECLINED RISKS - CopperPoint does not publish a single consolidated public list of declined WC classes; instead, agents are directed to appetite guides and eligibility lists by region and to the small-comp class eligibility list for straight‑through processing. Classes not on the regional appetite guides or STP eligibility lists are effectively restricted and require individual underwriter review. - P&C appetite is described as "select" and focused on severity‑driven risks in targeted states. Business outside the published vertical focus (e.g., heavy manufacturing, certain habitational, or highly distressed casualty risks) may be limited or declined based on state-specific appetite guides and underwriter judgment. Agents are instructed to rely on the regional appetite guides and underwriter consultation for class-specific acceptability. GEOGRAPHIC NOTES - Workers’ Compensation: CopperPoint and its affiliates (Alaska National, PacificComp) actively write WC in a multi‑state footprint in the Western U.S., with particularly strong premium volume in California, Arizona, Alaska, Washington, Nevada, Oregon, Idaho, Colorado and selected other states. Actual state availability and writing company are controlled via the "Coverage by State" tool and regional appetite guides; producers must confirm availability by state and line before marketing. - Property & Casualty: P&C products are currently concentrated in Arizona and the AK/PNW region, with an "expanding footprint" and a published coverage map on the P&C overview page. Risks outside these territories or not shown on the P&C coverage map should be considered out of appetite unless specifically cleared by an underwriter. SUBMISSION / UNDERWRITING EXPECTATIONS - Appetite Access: The central Appetite page provides links by business size (Small Business, Middle Market, Large Accounts) and routes to more detailed appetite guides and class lists (including regional "Top Classes" PDFs) that agents should consult before submitting or quoting. Small comp straight‑through processing requires that all class codes on a submission appear on the published eligibility/appetite list. - Account Sizing: Submissions are segmented by estimated annual WC premium: Small (up to $25k), Middle ($25k–$500k), Large (over $500k). Position accounts correctly so they are handled by the appropriate underwriting team and program structure. - Program Structures: Guaranteed Cost is available across all sizes for WC; loss‑sensitive plans are available for large accounts (generally $500k+ premium) and may also be considered for upper‑middle market when justified by exposures and loss history. Large-account submissions should highlight risk management practices, safety programs, and loss experience to support pricing and structure. - Documentation: While not fully itemized on the public pages, expectations for WC submissions include complete ACORDs, detailed class coding, payroll by class and state, loss runs, and description of operations. For small‑comp online quote paths, all class codes must be aligned with the appetite/eligibility list and meet automated underwriting rules. BROKER / PRODUCER NOTES - Distribution is exclusively through appointed, select independent agents and brokers. Producers are encouraged to start with the Appetite and Coverage by State tools when prescreening risks and to use regional appetite guides for class‑level clarity. - For questions, agents are directed to their CopperPoint business development contact or underwriter. Large or complex accounts, and any risks outside the listed top classes or territories, should be pre‑discussed with the underwriting team prior to full submission. - Agents are reminded (via CopperPoint and third‑party references) that appetite guides are periodically updated; they should "check back quarterly" and verify current appetite and eligibility before quoting or binding. Operationally, treat CopperPoint as a Western‑U.S. workers’ compensation specialist with strong preference for Construction, Agriculture, Hospitality, and Healthcare in the small through large account space, and as a selective P&C market mainly in AZ and AK/PNW. Always confirm state and class acceptance via the Appetite and Coverage by State tools and adhere to regional appetite guides for class‑by‑class decisions.