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 publishes a program-driven appetite rather than a detailed carrier-wide class-by-class underwriting guide on the main site. Current guidance indicates focus on select property and casualty programs with significant concentration in Workers’ Compensation and commercial package business, generally for small-to-medium sized businesses and professionals, written on a regional or state-specific basis through local or regional agents with niche expertise. Primary commercial lines listed include Workers’ Compensation, Multi-Peril, General Liability, Property, Auto, Inland/Ocean Marine, Professional Liability/E&O, Products Liability, EPLI, Excess/Umbrella, Excess Workers’ Compensation, Surety, and Bonds. Preferred program attributes include 5 years of profitable loss history, agency expertise in the class/line, well-defined market position, established distribution, stable prior carrier relationships, competitive market intelligence, and association-endorsed business where applicable. Generally avoided or restricted program characteristics include start-up programs, unprofitable programs, risk-sharing programs without adequate capital, programs needing carrier aggregate stop loss, concentrations in transportation exposures, and nursing home/assisted living exposures. Geographic note: AmeriTrust states programs operate on a regional or state-specific basis and it generally avoids geographic concentration that could create catastrophe aggregation. For producer/program submissions, AmeriTrust requests an executive summary, 5 years of loss history, actuarial analysis if available, competitive market intelligence, distribution overview, underwriting guidelines, coverage forms, pricing/rate analysis, technology requirements, and agency profile. Additional producer instruction: AmeriTrust provides an online underwriting portal access request page for agency users and allows producer lists to be provided by spreadsheet/CSV. Verified small-commercial Workers’ Compensation agent guidance on the affiliated producer site shows target classes including contractors, retail, habitational/service, manufacturing, hospitality, schools, healthcare office risks, and warehouses; notable ineligible operations include contractors traveling overnight for work (24-hour coverage), any work above 15 feet, service to correctional facilities, and temporary staffing firms. That page also states availability is subject to carrier/geographic underwriting requirements, underwriting minimum premiums vary by class, small commercial is for accounts up to $100,000 manual premium, and larger accounts are referred to the Custom Comp underwriting team. No equally specific verified class-by-class GL/property/auto underwriting guide was found on the official main carrier site during this refresh.