WeSure
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
WeSure’s publicly available appetite material on its official site is still the 2023 appetite guide, which is primarily a BOP-focused class list rather than a dedicated Workers Comp underwriting guide. For Workers Comp, the clearest current operational guidance is geographic availability from the official licenses page dated January 11, 2026. WeSure currently indicates WC is being offered in NJ, GA, MI, NC, PA, SC, TN, and VA; many other listed states are marked WC coming soon, and coverage is generally noted as not available in all states. The appetite guide shows a small-business orientation and lists many preferred low- to moderate-hazard classes across contractors, offices/professional services, personal services, restaurants, retail, and wholesale/distributors. Examples include apartment/condo risks, carpet/furniture/rug cleaning, drywall installation, fence erection, floor covering installation, interior decorators/painters, accountants, advertising/bookkeeping, collection agencies, architects/engineers, insurance agencies, lawyers, medical offices, real estate/title/ticket agents, veterinarians, barber/beauty/nail salons, dental labs, funeral homes, laundry/dry cleaning, photographers, printers, self-storage, and a broad range of restaurant, retail, and wholesale classes. No official public declined or restricted Workers Comp class list was located on the carrier site; therefore, classes outside the published appetite or higher-hazard WC segments should be treated as unverified/likely referral rather than assumed eligible. Submission/broker guidance: ACORD upload/quote functionality is limited to appointed agencies, accessed by NPN with a time-limited security code sent to the agency contact on file. Agency onboarding is handled through the Agency Appointment page. Producer-facing instructions require basic appointment details, and an agent appointment workflow requests NPN, resident/nonresident license details, lines of business, proof of active license, E&O policy/declarations with at least $1M limits, and a completed W-2 form. Practical takeaway: use WeSure for small-business WC opportunities in the states where WC is expressly shown as currently offered, with a bias toward service, office, light contractor, retail, restaurant, and distributor risks that resemble the published appetite classes; confirm any state/product/class combination directly through the appointed-agent channel because the public appetite guide is dated February 2023 and does not provide a standalone WC rule set.