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
Operational scope / geography: • U.S.-based commercial P&C carrier with business written through AmeriTrust Group and its Meadowbrook heritage brands. Programs are typically regional or state-specific and avoid excessive geographic concentration, especially in catastrophe-prone areas. Local and regional agents/program administrators with niche expertise are preferred distribution partners.([ameritrustgroup.com](https://ameritrustgroup.com/programs/program-appetites/?utm_source=openai)) Core appetite / preferred business: • Target risks are small- to medium-sized commercial accounts and professionals placed in defined programs. Strong emphasis on workers’ compensation and commercial package / multi-peril business, with supporting GL, property, auto, inland/ocean marine, professional, products, EPL, excess/umbrella, excess WC, and surety/bonds.([ameritrustgroup.com](https://ameritrustgroup.com/programs/program-appetites/?utm_source=openai)) • Program partners are expected to show proven, profitable loss history (ideally 5 years), established niche expertise, stable carrier relationships, clear market position, and a sound distribution model. Association-endorsed business is a plus.([ameritrustgroup.com](https://ameritrustgroup.com/programs/program-appetites/?utm_source=openai)) • For small commercial, AmeriTrust focuses on workers’ compensation for small business, with over ~250 eligible WC class codes and automated online quote/bind capability via the AgentsEdge portal, supported by underwriting staff.([smallbusiness.ameritrustgroup.com](https://smallbusiness.ameritrustgroup.com/agency-connection/?utm_source=openai)) • Liquor Liability program targets: banquet halls/caterers, bars/taverns, bowling centers, convenience stores, comedy clubs, delis, golf courses, manufacturers/wholesalers/distributors, microbreweries, pizza/sub shops, private clubs and fraternals, restaurants, wine stores/wineries, special events, and other commercial liquor exposures. Turnaround goal is 24–48 hours on completed submissions.([meadowbrook.com](https://www.meadowbrook.com/product/liquor-liability/?utm_source=openai)) Restricted / declined business (program level): • Generally avoid: start-up programs, programs without demonstrated historical profitability, risk-sharing structures lacking adequate partner capital, programs requiring carrier aggregate stop-loss, concentrations in transportation exposures, and nursing home/assisted living programs.([ameritrustgroup.com](https://ameritrustgroup.com/programs/program-appetites/?utm_source=openai)) • Liquor Liability: nightclubs and risks with >75% alcohol sales may be written on a limited basis and can be required to carry GL (including Assault & Battery) with limits at least equal to the liquor liability limits. Prohibited exposures include (not all-inclusive): operations that encourage physical contact between patrons, employees drinking on the job, or accounts with excessive liquor-law violations.([meadowbrook.com](https://www.meadowbrook.com/product/liquor-liability/?utm_source=openai)) Product/coverage notes: • Primary commercial lines actively marketed: workers’ compensation, general liability, commercial multi-peril/package, commercial auto, property, marine, professional/E&O, products, EPL, excess/umbrella, excess WC, surety and bonds.([ameritrustgroup.com](https://ameritrustgroup.com/programs/program-appetites/?utm_source=openai)) • Business Owners Policy (BOP): Effective June 28, 2024, AmeriTrust Small Commercial no longer quotes NEW BOP business. Existing BOP policies may continue to renew if they meet current underwriting guidelines. New WC business remains actively quoted. Agents should avoid submitting brand-new BOP-only opportunities unless tied to an existing portfolio or clearly within renewal strategy.([ameritrustgroup.com](https://www.ameritrustgroup.com/discontinuation-of-new-bop-business/?utm_source=openai)) • Liquor Liability written through a dedicated program with defined limits (typically up to $1M each common cause / $1M aggregate) and state-specific availability. All policies are underwritten by licensed insurer subsidiaries of AmeriTrust/Meadowbrook.([meadowbrook.com](https://www.meadowbrook.com/product/liquor-liability/?utm_source=openai)) Submission and workflow expectations: • Primary path for small commercial WC and related coverages is the AgentsEdge online portal (rate/quote/bind) via the AmeriTrust agent portal / Agency Connection pages. Not all agents have access; access is tied to appointment and system credentials.([ameritrustgroup.com](https://www.ameritrustgroup.com/agent-portal/?utm_source=openai)) • Completed submissions are expected for specialty products such as Liquor Liability to achieve the advertised 24–48 hour turnaround. Incomplete applications may delay or prevent quoting.([meadowbrook.com](https://www.meadowbrook.com/product/liquor-liability/?utm_source=openai)) • For agents not directly appointed with AmeriTrust Small Commercial, submissions can be routed through the affiliated MGA Mackinaw Underwriters for timely handling. This is a standard workaround for non-appointed agents wishing to access AmeriTrust paper.([smallbusiness.ameritrustgroup.com](https://smallbusiness.ameritrustgroup.com/get-appointed/?utm_source=openai)) Broker/producer and appointment notes: • Carrier uses a limited distribution model intended to give appointed agencies niche positioning; production expectations are described as "submission-oriented" rather than purely premium-based, allowing agencies to be evaluated on flow and fit rather than only written premium.([smallbusiness.ameritrustgroup.com](https://smallbusiness.ameritrustgroup.com/get-appointed/?utm_source=openai)) • To become appointed for AmeriTrust Small Commercial, producers must complete the online Get Appointed form; the AmeriTrust Service Center handles appointment, submission, policy, billing, and claims inquiries for small commercial business.([smallbusiness.ameritrustgroup.com](https://smallbusiness.ameritrustgroup.com/get-appointed/?utm_source=openai)) • Existing or prospective agents should use the Find an Agency/Agency Connection resources or contact the Service Center for questions about appointed status, program access, or routing business via Mackinaw Underwriters.([prodsmallbusinessatg.ameritrustgroup.com](https://prodsmallbusinessatg.ameritrustgroup.com/find-an-agency/?utm_source=openai)) Practical takeaways for placing business: • Lead with small commercial workers’ compensation and aligned package/GL opportunities where the insured has stable operations, clean loss history, and fits a defined program or class segment. • Avoid new program concepts, heavy transportation portfolios, and senior-care facility programs when considering larger or delegated-program opportunities. • For liquor accounts, prioritize restaurants, bars/taverns, clubs, and event-based risks with strong controls and no problematic liquor-law history; avoid operations that promote patron contact or tolerate on-duty employee drinking, and be prepared to evidence adequate GL/Assault & Battery where alcohol sales are dominant. • Do not expect new BOP-only placements; focus on WC and other supported lines, using BOP only for eligible in-force accounts renewing under AmeriTrust guidelines.