All Insurance Underwriters, Inc.
Contact Us
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All Insurance Underwriters, Inc.
Contact Us
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Hard to Place Risks

What do we consider a "hard to place risk"?


  • High mod over 1.50 (no mod too high)
    • Steel erection
    • Roofing
    • Trucking
    • Logging
    • Staffing
  • Businesses that only the state fund or state pools are quoting
  • High claims frequency
  • Shock losses


All Insurance Underwriters takes pride in finding creative solutions for every type of risk regardless of size risk and past experience. Our program/business development team is considered to be one of the top in the Nation when it comes to creative insurance solutions. Most of our programs still work off of a Pay- As- You Go payment platform to make it easy for your clients.


Don't allow your client to pay more than the law should allow!


AIU can place your State Fund/Pool business!


  • No upfront premium due
  • No intrusive yearend audit
  • Pay as you go improving cash flow
  • Fast and easy start-up
  • Eliminate the need for State Pools or State Fund
  • Residual commission above industry average
  • High risk industry appetite
  • High modifications (no mod is too high)
  • High deductible programs
  • Small deductible programs
  • Guaranteed cost programs
  • If it is tough to place then it is a fit for us!


Creating a Win-Win Relationship with our Agency Partners


AIU's premium volume is a direct result of our current relationships with our valued retail agency partners nationwide and the way we conduct business together. This successful formula attracts top carriers directly enhancing our collective insurance product offerings to all concerned…


Why does AIU compensate above average commissions?


AIU respects this synergistic relationship and compliments the individuals who make it happen and control the direct relationship with the business owner.


AIU Programs:


  • Small contractor program – looking for premiums from 5k – 75K, some new ventures accepted with owner resumes, no general contractors.
  • Hotel and Restaurant programs
  • Pizza Restaurants with Delivery (Up to 50% of gross receipts can be from delivery)
  • Auto Dealer programs
  • Home Healthcare Programs – This program requires the insured to offer health plans for their employees. Minimum is 3 full time employees.
  • Temp Medical Staffing
  • Staffing Program
  • Non-Emergency Medical Transport Program
  • High Risk/ High Mod accounts – We have a few different programs to place these type of accounts with high deductible and guaranteed cost.
  • Multi-State accounts


How to Submit?


  • Send submission to [email protected]
  • Fully completed acord 130
  • Currently valued loss runs (within 90 days of the effective date). 4 years prior for most carriers, some do require 5 (Companion).
  • Details on losses over 25K
  • Supplemental application is required for staffing and preferred on other accounts
  • Ex-Mod worksheet


FOR Staffing Submissions:


  • Acord 130
  • Ex mod worksheet (required)
  • Currently valued loss runs
  • Staffing supplemental application
  • Last 4 quarters 941's
  • List of current contracts
  • A good description of the account.
  • If no D&B score, compiled financial statements, in particular the insured's balance sheet
  • Target premium if at all possible. This is very helpful and is a key to success.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Underwriter
  • Admitted:
    Most Available States
  • Carriers:
  • Carrier Ratings:
  • Commission:
  • Min Premium:


Request a Quote Now!



2600 Sumerian Drive , Suite# 102
Land O' Lakes, FL 34638
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All Insurance Underwriters, Inc. has other insurance programs like All Insurance Underwriters – AIU.