Overview — All Insurance Underwriters (AIU) Workers' Compensation Programs
All Insurance Underwriters (AIU) is a Managing General Agency (MGA) staffed by experienced underwriting and program professionals. AIU’s mission is to provide quality workers' compensation markets and programs to agency partners across a broad range of industries, regardless of size, risk profile, or prior experience. AIU combines common-sense underwriting with program innovation — including captive and deductible options — to give agencies a competitive edge and clients access to affordable, stable coverage nationwide.
Current Programs and Target Classes
AIU maintains a diverse set of workers' compensation programs targeting both standard and harder-to-place classes. Current programs include (but are not limited to):
- Small Contractor Program — typically $5,000 in premium and up
- Home Healthcare programs
- Temporary Staffing Program — Guaranteed Cost; no maximum premium quoted
- Temporary Medical Staffing — minimum premium around $7,500
- Roofing Contractor program
- Oil & Gas program
- Auto Dealer programs
- Restaurant programs — no minimum premium requirements
- Trucking programs (including long-haul)
- High and Small Deductible programs
Coverage Highlights and Advantages
- Access to multiple carrier markets through AIU’s MGA relationships.
- Flexible program structures: admitted and non-admitted options where applicable (Most Available States).
- Captive and high-deductible solutions that can lower cost and improve control for qualifying accounts.
- Specialized appetite for staffing, contractors, healthcare, transportation, hospitality, and trade classes.
- Agency-friendly submission process and experienced underwriting teams focused on practical, bottom-line results.
Ideal Accounts and Appetite
AIU is a strong option when you have clients who need:
- Programs for staffing firms (temporary or medical) where payroll and exposures vary.
- Contractors and small to mid-size construction operations seeking competitive placement or alternative deductible solutions.
- High-hazard classes (roofing, oil & gas, trucking) that need experienced underwriting and broader market access.
- Restaurants or auto dealers looking for flexible minimums or admitted market solutions.
Accounts with complex loss histories or large single losses are considered, but underwriting decisions will be driven by loss detail and supplemental information. Accounts outside these appetites can still fit if supported by strong controls, loss prevention programs, or favorable audited payroll practices.
Underwriting Notes and Minimum Premiums
Minimum premiums vary by program. Examples to guide submissions:
- Small Contractor Program — typical minimum around $5,000 premium.
- Temporary Medical Staffing — minimum premium around $7,500.
- Restaurant programs — may accept accounts with no minimum premium requirement.
For accurate placement, provide a complete submission package (see How to Submit). AIU underwriters evaluate accounts for program fit, expected payroll volumes, loss history, and operational controls when considering captive or deductible options.
Territories and Availability
Admitted status: Most Available States. AIU programs are available in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WV, WI. Availability can vary by program and carrier; please confirm state eligibility with AIU underwriting.
Why Work With All Insurance Underwriters
AIU combines practical underwriting, specialty program design, and access to multiple carrier markets to help agencies place a broad spectrum of workers' compensation business. Strengths include:
- Program diversity — from small contractor and restaurant accounts to staffing and high-risk classes.
- Ability to offer captive and deductible structures for agencies seeking alternative risk solutions.
- Experienced underwriting teams who value clear, complete submissions and common-sense decisioning.
- Competitive compensation to agencies (above-average commissions; no transaction fees).
Example scenarios:
- You have a local roofing contractor with steady payroll and a few prior losses — AIU’s roofing program or a deductible option may reduce premium and provide a stable market.
- You represent a temporary staffing firm with fluctuating payroll across states — AIU’s Temp Staffing program (Guaranteed Cost or captive options) is structured for that exposure.
How to Submit
- Send submissions to [email protected]
- Fully completed ACORD 130
- Currently valued loss runs (within 90 days of the effective date). Four years prior are standard; some carriers require five (e.g., Companion).
- Details on losses over $25,000
- Supplemental application required for staffing and preferred for other accounts
- Experience modification (Ex-Mod) worksheet
To begin the appointment process, review AIU’s
Partner Agreement (
Partner Agreement) and contact an AIU appointment specialist. For complex or large accounts, include loss-control documentation and any safety or hiring practices that support the submission.
Frequently Asked Questions
What types of accounts are a good fit for AIU programs?
AIU works well for contractors (including roofing), staffing firms (temporary and medical), restaurants, auto dealers, trucking, oil & gas, and other trade classes. They also offer deductible and captive options for larger or higher-exposure accounts.
What documents are required with a submission?
Provide a fully completed ACORD 130, currently valued loss runs (within 90 days), details on losses over $25,000, an Ex-Mod worksheet, and any supplemental applications for staffing or specialized programs.
Which states and markets are available through AIU?
AIU operates in most states. Programs are available in AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WV, WI. Availability can vary by program and carrier—confirm with underwriting for state-specific eligibility.
How quickly will I get a quote or response?
Turnaround depends on program complexity and submission completeness. Simple, complete submissions for standard programs are often reviewed quickly; accounts requiring captive placement, larger deductibles, or detailed loss review may take longer. Providing complete loss runs and supplemental information speeds the process.
Need help placing an account? Connect with a market specialist.