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UNDERWRITING GUIDELINES

AMERISAFE GUIDELINES


TARGETED OPERATIONS

  • Construction
  • Heavy Construction
  • Manufacturing
  • Roofing
  • Bridge work
  • Trucking
  • Agribusiness
  • USL&H
  • Maritime

UNDERWRITING CRITERIA

  • Acord 130 application with detailed description of operations
  • Premium and payroll history
  • Submissions required 30-60 days prior to inception as carrier conducts safety inspections prior to quoting
  • Supplemental applications required for Trucking, USL&H, and Maritime risks
  • Coverage will not be backdated
  • States available: AL, AR, CO, DC, DE, FL, GA, IL, IN, IA, KS, KY, LA, MN, MS, MO, NE, NC, OK, PA, SC, TN, TX, VA, WI
  • Multi-state operations available; risks with exposures in any state not listed above cannot exceed over 25% exposure
  • Five years currently values loss report required upon submitting to carrier
  • Current experience mod worksheet required upon submitting to carrier

MOST COMMON REASONS FOR REJECTION

  • Risks with inception dates under 30-day lead time
  • Duplicate submissions
  • Ineligible class of business
  • Risks operating in ineligible states or counties
  • Premium too small
  • Unfavorable loss experience
  • GC's exceeding 30% subcontracting
  • Carrier will decline risks submitted without five years of current loss runs
Products and services are offered through Agency Resources, a division of Safehold Special Risk, Inc., dba Safehold Special Risk & Insurance Services, Inc. in California. Safehold is a division of Wells Fargo Insurance and a non-bank insurance agency affiliate of Wells Fargo & Company. Coverage is provided by unaffiliated insurance companies.
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