Program Appetites

Property and Casualty Business

AmeriTrust’s programs are underwritten for select classes of property and casualty business where we believe sound prospects for generating underwriting profits exist. We have a significant concentration in workers’ compensation and commercial package business.

Our insurance programs operate on a regional or state-specific basis. Generally, our program partners are local or regional agents that possess established niche expertise in their specialty areas of concentration.

Program insureds are generally small-to-medium sized businesses and professionals. Our preference is to use industry standard coverage forms. We generally avoid geographic concentration of risks that might unexpectedly lead to natural or intentionally caused catastrophic events.

Attributes We Seek in a Program
  • Proven, Profitable Loss History (5 Years Preferred)
  • Agency Expertise in the Class or Line of Business
  • Well-Defined Market Position
  • Established Distribution System
  • Stability in Past Carrier Relations
  • Competitive Market Intelligence
  • Risk Sharing (Not Mandatory)
  • Association Endorsed Business (where applicable)
Some Program Characteristics We Generally Avoid:
  • Start-Up Programs
  • Programs that Lack Historical Profitability
  • Risk-Sharing Programs that Lack Adequate Partner Capital
  • Programs Requiring Carrier Aggregate Stop Loss Provisions
  • Concentrations in Transportation Exposures
  • Nursing Homes/Assisted Living Exposures
Primary Lines of Commercial Business Include:
  • Workers’ Compensation
  • Multi-Peril
  • General Liability
  • Property
  • Auto
  • Inland/Ocean Marine
  • Professional Liability/Errors and Omissions
  • Products Liability
  • Employment Practices Liability
  • Excess/Umbrella
  • Excess Workers’ Compensation
  • Surety
  • Bonds