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 current official positioning is workers’ compensation-led, with appetite segmented by account size: Small Business up to $25k premium, Middle Market $25k-$500k, and Large Accounts above $500k. For Workers Comp, CopperPoint indicates a broad small-business class-code appetite, broad middle-market appetite, and an unrestricted large-account appetite. Preferred/featured sectors called out across the site include agriculture, construction, hospitality, healthcare, artisan contractors, restaurants, medical offices, business offices, education, retail, and services. Middle market emphasizes four key verticals: Construction, Agriculture, Hospitality, and Healthcare. Large accounts are supported with Guaranteed Cost, Large Deductible, and Retrospective Rating options; large deductible requires LOC or cash collateral, and retrospective is described as no-collateral-required. For larger accounts, CopperPoint highlights tailored risk management services, with dedicated risk management support for middle-market accounts above $250k and large accounts generally. Geographic notes: new WC submissions in AZ, CA, CO, NM, NV, and UT must be submitted through the CopperPoint Agent/Broker Portal; new WC submissions in AK, ID, MT, OR, and WA are emailed to the underwriter contact, and agents may copy submissions@copperpoint.com to help reserve the account. California is handled separately on appetite/processing rules and California policies are underwritten by Pacific Compensation Insurance Company and Alaska National Insurance Company. Submission and processing guidance: on the appetite page, small-business risks under $25k premium that are coded Eligible (NAICS/WCIRB in CA; NAICS/NCCI in other states) qualify for Straight-Through Processing and must be submitted via portal; Ineligible NAICS under $25k are auto-declined; Referral codes require underwriter review. A related help article says STP applies to new monoline WC submissions from core-footprint states with maximum manual rated premium under $50,000 in California or $25,000 in all other states, and all class codes must be on the eligibility/appetite guide. Submission expectations include entering submission data or uploading the ACORD in the portal; for emailed states, CopperPoint asks for ACORDs, loss runs, and any supplemental applications/information. Broker/producer notes: CopperPoint references variable commissions up to 20% on the appetite page, flexible commission structures for large accounts, quarterly 'recent successes' for agents, and a Doing Business Guide covering submissions, portal use, BOR/BOS, billing, claims, and audit procedures. Operationally, the main restrictions/declines that are explicitly published are ineligible small-business NAICS/classifications that will auto-decline, and restricted classes that require heavy underwriting involvement and discussion with an underwriter or Business Development Director before submission.