Meadowbrook-Ameritrust
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
AmeriTrust Group publishes program-based underwriting appetite rather than a detailed class-by-class retail appetite guide. Current guidance indicates a focus on select property and casualty specialty programs with a significant concentration in workers’ compensation and commercial package business. Target insureds are generally small-to-medium sized businesses and professionals, written on a regional or state-specific basis through local or regional agents with niche expertise. The carrier states a preference for industry-standard coverage forms and for program business with a well-defined market position, established distribution, stability in prior carrier relationships, competitive market intelligence, and proven profitable loss history; 5 years of loss history is preferred. Program sectors currently highlighted include construction, agricultural, livestock and equine, recycling, municipalities/public entities, professional, healthcare, retail/service, habitational, hospitality, recreational, transportation, manufacturing, and schools. Primary commercial lines listed include workers’ compensation, general liability, property, auto, and multi-peril, with additional capability in marine, professional liability, products, EPLI, umbrella, excess workers’ compensation, surety, and bonds. Restricted/less-favored business specifically noted by the carrier includes start-up programs, programs lacking historical profitability, risk-sharing programs without adequate partner capital, programs requiring carrier aggregate stop loss, concentrations in transportation exposures, and nursing homes/assisted living exposures. Geographic notes are broad rather than state-specific: programs operate on a regional or state-specific basis, and AmeriTrust says it generally avoids geographic concentrations that could create catastrophe exposure from natural or intentional events. Submission requirements published for new program opportunities are more detailed than retail underwriting requirements and include an executive summary of program history, 5 years of loss history if available, independent actuarial analysis where available, competitive market intelligence, overview of distribution, underwriting guidelines, coverage forms, pricing/rate analysis, technology requirements, and agency profile. Broker/producer notes: AmeriTrust works with retail agencies, wholesalers/MGAs, specialty program administrators, and trade associations; the public support page directs agencies needing password resets, policy questions, training, FAQs, or other resources to the AmeriTrust Service Center, and the site references an Agent Portal for contracted agent partners. No more granular official class-by-class acceptability, minimum premiums, submission appetite by state, or explicit declination list for individual retail risks was verified on the public carrier pages reviewed.