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 workers’ compensation only, with placement for select MMG commercial insureds handled via the MMG–Eastern Alliance partnership page. PREFERRED / TARGET BUSINESS - Written on Eastern Alliance paper solely for MMG Re captive program business; positioned as a companion workers’ compensation option for qualifying MMG commercial accounts in MMG’s core footprint (ME, NH, VT, PA, VA).([mmgins.com](https://www.mmgins.com/wp-content/uploads/2023/06/MMG-Eastern-Alliance-Workers-Comp-FAQs23_2.pdf?utm_source=openai)) - Intended to supplement MMG’s commercial lines customers (e.g., those already carrying BOP/package/auto/umbrella with MMG), emphasizing ease of doing business through MMG’s systems and agency relationships.([mmgins.com](https://www.mmgins.com/wp-content/uploads/2023/06/MMG-Eastern-Alliance-Workers-Comp-FAQs23_2.pdf?utm_source=openai)) - Eastern broadly offers multiple workers’ comp structures (traditional guaranteed‑cost, loss‑sensitive, small business “unite” program and Inova alternative risk options), allowing matching of program type to the insured’s size, stability and loss profile; higher‑quality safety culture and stable operations will align better with these programs.([easternalliance.com](https://www.easternalliance.com/)) RESTRICTED / DECLINED CLASSES - No public, class‑by‑class appetite grid is posted for Eastern Alliance or the MMG‑Eastern program. Underwriting is described as “best‑in‑class” and tiered, implying selective acceptance and potential declinations for higher‑hazard or poor‑loss performers.([mmgins.com](https://www.mmgins.com/wp-content/uploads/2023/06/MMG-Eastern-Alliance-Workers-Comp-FAQs23_2.pdf?utm_source=openai)) - High‑hazard classes, distressed accounts, accounts with poor loss history, or those outside MMG’s commercial appetite may be restricted or declined; placement expectations should be confirmed with underwriting on a case‑by‑case basis. GEOGRAPHIC NOTES - MMG–Eastern Alliance workers’ comp is available as a companion to MMG policies in MMG’s active commercial states of Maine, New Hampshire, Vermont, Pennsylvania, and Virginia.([mmgins.com](https://www.mmgins.com/wp-content/uploads/2023/06/MMG-Eastern-Alliance-Workers-Comp-FAQs23_2.pdf?utm_source=openai)) - Eastern Alliance more broadly writes workers’ comp in additional states, but state‑by‑state appetite details and maps are not published; agents should confirm territory with Eastern marketing/underwriting when outside the MMG partnership framework.([easternalliance.com](https://www.easternalliance.com/)) SUBMISSION REQUIREMENTS & PROCESS - For MMG‑aligned business, all workers’ comp quoting and submissions flow through MMG’s agency portal; MMG Insurance Services acts as the appointed agent for Eastern Alliance.([mmgins.com](https://www.mmgins.com/wp-content/uploads/2023/06/MMG-Eastern-Alliance-Workers-Comp-FAQs23_2.pdf?utm_source=openai)) - MMG’s commercial lines underwriter remains the main point of contact; they coordinate with Eastern Alliance for rating and binding. Agents should follow MMG’s standard commercial submission protocol (complete applications, ACORDs, and supporting documentation) and add workers’ comp as a companion line when appropriate.([mmgins.com](https://www.mmgins.com/wp-content/uploads/2023/06/MMG-Eastern-Alliance-Workers-Comp-FAQs23_2.pdf?utm_source=openai)) - Eastern’s own site provides a "Submit Business" link for appointed agents to send workers’ comp submissions directly through its secure portal; use this for non‑MMG programs or where relationship is directly with Eastern.([easternalliance.com](https://www.easternalliance.com/)) BROKER / PRODUCER INSTRUCTIONS - MMG producers should: - Use MMG’s internal guidelines and portal to access Eastern Alliance workers’ comp, treating it as an extension of the MMG commercial offering. - Coordinate with their assigned MMG commercial underwriter, who will manage the relationship with Eastern Alliance underwriters. - Expect a three‑tier pricing structure and best‑in‑class underwriting approach; clean, well‑documented submissions will be favored.([mmgins.com](https://www.mmgins.com/wp-content/uploads/2023/06/MMG-Eastern-Alliance-Workers-Comp-FAQs23_2.pdf?utm_source=openai)) - Producers working directly with Eastern should: - Be appointed with Eastern and use the secure agent portal/"Submit Business" function for new business and renewals. - Emphasize Eastern’s value‑adds (safety resources, N3L3 risk management, ecovery claims model) when targeting accounts that value proactive loss control and claims handling.([easternalliance.com](https://www.easternalliance.com/)) NOTES / LIMITATIONS - No explicit, detailed public appetite guide (by class code, size, experience mod, etc.) is currently posted for Eastern Alliance; all appetite and class decisions should be confirmed directly with underwriting. - This guidance reflects publicly available information as of 2024–2025 and may change; agents should check MMG and Eastern portals or marketing bulletins for updated program and appetite details before quoting.