Eastern Alliance Insurance Group
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
Eastern Alliance Insurance Group writes monoline workers’ compensation, including participation on specific captive and program structures such as the MMG Re captive program. Appetite and detailed class guidelines are generally distributed through program partners and appointed agents rather than published as a broad public class list. Preferred business / target profile (inferred from program positioning and corporate filings): - Focus on small to mid-sized commercial insureds seeking workers’ compensation solutions, including alternative risk/captive structures. - Emphasis on disciplined underwriting, strong safety and loss control, stable operations, and use of medical provider networks. - Desire for long‑term agency relationships; appointment process for new agencies is described as “highly selective,” so they expect demonstrated workers comp expertise, production potential, and underwriting discipline from producers. Restricted / declined: - Public-facing materials do not provide a detailed class-by-class appetite. Instead, guidelines are delivered through partner portals and program documents (e.g., MMG’s captive program site references a proprietary Eastern Alliance workers’ comp underwriting guide). Agents should assume higher-hazard, distressed, or poorly controlled classes will require underwriter review at minimum, and some may be declined depending on loss experience and safety culture. - Because Eastern emphasizes diversified risk and disciplined underwriting, accounts with severe loss history, poor safety programs, non-compliance with loss-control recommendations, or significant audit/collection issues are likely to be restricted or declined. Geographic notes: - Eastern Alliance is a regional/national workers’ compensation carrier owned by ProAssurance and used as the workers’ comp carrier for MMG’s Re captive program. Public disclosures emphasize diversification across geographic markets rather than concentration in a single state or region, but specific eligible states and program footprints are administered at the program/partner level (e.g., MMG captive participants). - Agents should confirm state eligibility and any program-specific territorial limits with their marketing or program contact when submitting. Submission & underwriting process: - New agencies must complete a formal appointment process before submitting business; Eastern describes this as a selective process, so unappointed agents should not expect one-off submissions to be entertained.([easternalliance.com](https://www.easternalliance.com/become-an-agent/?utm_source=openai)) - For programs like the MMG Re captive, Eastern Alliance serves as the underwriting carrier. MMG indicates that workers’ compensation underwriting guidelines are available through MMG’s own resources; agents writing through MMG should follow MMG’s submission procedures and use the MMG/Eastern WC underwriting guide as their operational reference.([mmgins.com](https://www.mmgins.com/mmg-eastern-alliance/?utm_source=openai)) - Standard workers’ compensation submissions (via appointed agencies or program partners) are expected to include fully completed ACORDs, detailed payroll by class code and state, 3–5 years of currently-valued loss runs, experience modification information, description of operations, and safety/loss control information, consistent with Eastern’s emphasis on disciplined underwriting and risk evaluation.([sec.gov](https://www.sec.gov/Archives/edgar/data/1379041/000137904125000049/eig-20241231.htm?utm_source=openai)) Broker / producer instructions and notes: - Producers must be appointed to place business directly with Eastern Alliance; agencies interested in appointment should use the carrier’s “Become an Agent” channel and be prepared to demonstrate book potential and alignment with Eastern’s underwriting philosophy.([easternalliance.com](https://www.easternalliance.com/become-an-agent/?utm_source=openai)) - For captive/program business such as the MMG Re program, the producer of record works through MMG as program administrator; Eastern Alliance is the underwriting carrier and relies on MMG’s agent-facing guidelines and tools. Producers should follow MMG’s program instructions for rating, submissions, underwriting questions, and binding.([mmgins.com](https://www.mmgins.com/mmg-eastern-alliance/?utm_source=openai)) Operationally, treat Eastern Alliance as a disciplined, program- and relationship‑driven workers’ compensation carrier: appetite, class lists, and eligibility are controlled via appointed-agency and program channels rather than a universal public appetite guide. Confirm state and class eligibility with your marketing rep or program administrator before marketing a risk, and expect a full underwriting package and safety review for any non-routine class or account.