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’s verified public appetite centers on Workers’ Compensation, segmented by Small Business (up to $25k premium), Middle Market ($25k to $500k), and Large Accounts (more than $500k). The main appetite tool is class-code driven by NAICS plus NCCI/WCIRB and uses three operational tiers: Targeted (highly desirable, minimal underwriting involvement), Limited (desirable but with increased underwriting involvement), and Restricted (less desirable, heavy underwriting involvement; discuss with an underwriter or Business Development Director before submitting). For small accounts under $25,000 premium, California eligible NAICS/WCIRB classes qualify for Straight-Through Processing in the portal, ineligible NAICS classes auto-decline, and WCIRB referral classes require underwriter review. In all other states, eligible NAICS/NCCI classes under $25,000 also qualify for portal Straight-Through Processing, ineligible NAICS classes auto-decline, and NCCI referral classes require underwriter review. Public small-business marketing indicates target segments including agriculture, artisan contractors, restaurants, medical offices, business offices, education, retail, and services. CopperPoint also publicly highlights construction as a core operational focus for Workers’ Compensation, with listed classes including HVAC, carpentry, concrete, drywall, excavation, electrical work within buildings, flooring, masonry, painting, paving, plumbing, sheet metal, road construction, and similar trades, subject to risk-specific characteristics. Construction restrictions disclosed publicly: residential general contractors and subcontractors performing new construction of multi-family housing, tract housing, HOAs/COAs, townhomes, and condos are out of appetite; service/subcontract work for individual owners of single-family residences and existing multifamily residences is generally within appetite; apartment construction other than plumbing is generally within appetite; certain classes marked with asterisks have limited or no Workers’ Compensation appetite and should be discussed with underwriting. Geographic submission guidance is clearly posted: new Workers’ Compensation submissions in AZ, CA, CO, NM, NV, and UT must be submitted through the CopperPoint Agent/Broker Portal; in AK, ID, MT, OR, and WA, new Workers’ Compensation submissions are emailed to the assigned underwriting contact, and agents may copy submissions@copperpoint.com to help expedite market reservation. Submission requirements called out publicly include entering submission data or uploading an ACORD in the portal, adding notes on the quote page, and using Refer to send to underwriting; for email-submission states, agents should send ACORDs, loss runs, and any supplemental applications or additional information to underwriting. Broker/producer notes: use the Agent/Broker Portal for eligible small-comp business, check appetite/eligibility by class code before submission, discuss Restricted classes with the underwriter or Business Development Director before sending, and contact Distribution or underwriting for appetite questions or specific operational discussions.