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 is a monoline workers’ compensation writer. Its public-facing appetite is organized around Traditional, Loss Sensitive, Specialty Risk, and small-business solutions. Traditional/guaranteed cost is described as available to a variety of businesses and organizations; loss sensitive options are positioned for medium to large accounts and include dividend, retrospective, and large deductible structures. Eastern states it actively writes in 33 states, but the public site does not publish a full state list on the underwriting pages, so geography should be treated as selective by service territory and confirmed with the carrier before quoting. Specialty Risk is the clearest published underwriting guidance: targeted to top-tier high-hazard risks in construction and forestry, with broader corporate materials also referencing transportation segments. Public eligibility requirements for Specialty Risk include minimum premium of $50,000, a proactive risk management plan, operation within Eastern’s core geographic service territory, and submission of five years of currently valued loss runs plus most recent financials. Publicly posted materials emphasize proactive risk management, holistic claims management, and pay-as-you-go premium options as differentiators across programs. No detailed public declined-classes list was found on official pages; however, the carrier’s Specialty Risk criteria imply selectivity within high-hazard classes and a preference for better-performing, well-managed accounts rather than distressed or lightly documented risks. Producer guidance is available: Eastern uses a highly selective agency appointment process, prefers mid-size to large agencies, and limits appointments by geographic region based on market penetration. Prospective agencies are asked to submit commercial and workers’ compensation production data, average account size, retention, competitor information, and target states for workers’ compensation production; if no response is received within 7 business days, the site instructs the agency to call the posted number. Operationally, submitters should expect appetite fit to favor established employers with strong safety culture, credible loss history, and enough scale for the selected program, with higher-documentation expectations for loss sensitive and specialty submissions.