Amerisure’s Appetite

Amerisure’s underwriting and risk capacity and preferences – better known as our target appetite.

Guide to Amerisure’s Appetite

Our “appetite” is an industry term that encompasses, in a general way, the preferred, desired — as well as typically ineligible — risks Amerisure will take on with an insurance policy.

Our appetite is based on wide-ranging experience with businesses in our industries of focus – construction, manufacturing, healthcare, and a selection of other industries – as well as our expertise in these markets.

With over 100 years in the business, we have seen and experienced what can happen on a job site, in the warehouse, on the road in a fleet vehicle, in the hospital, and the list goes on. We have also grown to quickly recognize the hazards we, and policyholders, prefer to avoid. What we have learned is that no two risks are exactly alike, so while we have an appetite, we are never confined to it.

Market Segments

We and our agency partners generally adhere to the following:


Commercial (non-residential) General Contractors
Electrical Contractors
Plastering / Drywall / Acoustical / Insulation
Concrete Construction
Concrete / Asphalt Paving
Plumbing / Heating / HVAC
Masonry / Stone
Site Development / Grading
Underground Utility Contractors


Wood Products
Minerals / Natural Materials
Electronics & Technology
Non-Critical Automobile products / parts accessories
Automotive Stampings / Metal stampings
Special dies and tools, die sets, jigs and fixtures
Industrial – commercial machinery equipment


Long Term Care Facilities
General or Specialty Hospitals
Offices and Clinics

Wholesale & Distribution

Electrical apparatus, equipment and wiring supplies
Hardware distributors
Refrigerator equipment and supplies
Industrial supplies

Lines of Business

Workers’ Compensation

Insurance that provides benefits to employees with work-related injuries

General Liability

Broad protection from a variety of claims for your company’s assets

Loss Sensitive

Customized risk programs that provide a competitive advantage.

Commercial Property

Mitigate a comprehensive range of risks to your commercial property.

Umbrella Insurance

Extended and tailored coverage for your specific business situation

Commercial Auto

Reduce commercial fleet exposures through innovative technology

Inland Marine

Unique coverages for products and materials while they are transported


Amerisure Surety leverages select agency relationships to offer contract surety products.

Account Size

Middle Market

Accounts from $50,000+ (premium depends
on class of business).

Large Accounts

Accounts over $300,000 may be eligible for Loss Sensitive Programs (Captive, Retro, Large Deductible, OCIP/CCIP).


Restrictions / Limitations

We have various limitations in the way of property capacity and exposures as well as risks we do not cover. We do at times cover risks within these categories if the risk is small proportion of a larger portfolio of coverage. Please inquire for more details.

Risk Eligibility

If risk eligibility or ineligibility cannot be determined at the agency level, it is determined at the underwriting level. If you would like more information including an exhaustive list of the Standard Industrial Classifications (SIC) for every class within our appetite, please contact us so we can learn more about your business and respond. We look forward to seeing how Amerisure may be able to partner with you!