Search CompleteMarkets

An exclusive program offering package coverage for scrap metal dealers. Proudly endorsed by the Automotive Recyclers Association (ARA) as the preferred insurance provider for professional automotive recyclers. Overview — Amwins Underwriting Scrap Metal Insurance Program With more than 30 years of experience writing scrap and recycling risks, Amwins Program Underwriters — part of Amwins Underwriting — offers a dedicated insurance program for scrap metal dealers and automotive recyclers. The Scrap Metal Dealers program is distributed through a select group of retail brokers and is available in most states. Coverage is underwritten by experienced specialists who understand the operational, property and liability exposures unique to the scrap metal sector. Program availability Available in all U.S. states except: AK, HI & MA. Ideal accounts and appetite This program is designed for established, professionally run scrap operations, including: Businesses that process and sell ferrous and non-ferrous metal scrap Scrap recycling facilities Automotive dismantlers and auto recyclers Self-service yards and salvage operations Typical fit: operations with documented procedures for inventory control, secure yards, accepted pollution controls, and experienced management. Accounts with high-value or complex environmental exposures, large barge or rail handling, or uninsured prior losses should be submitted for pre-review. Coverage highlights The program offers a broad package of coverages to address common exposures for scrap dealers: General liability (including premises and products exposure) Property (buildings, contents, stock and outdoor property) Inland marine (materials handling, mobile equipment and transportation exposures) Crime and inventory theft coverage Conversion protection for inventory losses Cyber liability Equipment breakdown Umbrella liability limits Workers’ compensation — click here to learn more For full program details and forms, see the program page on Amwins’ site: Scrap Metal Dealers program. Underwriting notes and minimum premium Underwriters look for clear inventory controls, secure storage and sound yard management. Key submission items typically include loss runs, photos of the yard and storage practices, a list of owned and leased equipment, and descriptions of processing/handling operations. Minimum premium: Varies by state and exposure; final pricing is subject to underwriting review. Territories and admitted status The program is available in the states listed above. Coverage is offered on an admitted basis where the program carrier and state regulations permit. Why place this business with Amwins Underwriting Niche underwriting expertise in scrap and automotive recycling risks Comprehensive package options that address the mix of property, liability and inland marine exposures common to scrap dealers Distribution through a select retail broker network that helps ensure submissions are complete and competitive Endorsement by the Automotive Recyclers Association (ARA), signalling market acceptance in the automotive recycling community Example accounts that fit this program A family-owned auto dismantler that operates a secure self-service yard, maintains inventory controls, and wants combined property, liability and inland marine coverage. A regional scrap recycler that processes ferrous and non-ferrous metals, uses forklifts and conveyors, and needs equipment breakdown and conversion coverage in addition to package limits. To learn more about property & casualty solutions for scrap metal dealers, please visit the program page on Amwins’ website: please visit our website. Frequently Asked Questions What types of accounts are a good fit for this program?Established scrap dealers, auto recyclers, self-service yards and automotive dismantlers with documented inventory controls, secure yards and routine safety practices are ideal. Complex environmental risks and large transportation operations should be discussed with underwriting first. Which states is this program available in?The program is available in most U.S. states. It is not offered in Alaska, Hawaii or Massachusetts. Availability may vary by carrier and state regulations. Is coverage written on an admitted or non-admitted basis?Coverage is underwritten on an admitted basis where the carrier and state regulations allow. Specific admitted status can vary by state and line of coverage. What submission materials does Amwins Underwriting typically require?Underwriters generally request recent loss runs, photos of the yard and storage areas, descriptions of operations and processing, lists of equipment, and details on controls for inventory and theft prevention. How does the minimum premium work?Minimum premium varies by state and by the account’s exposures. Underwriting will provide minimum premium guidance after reviewing the submission details. Need help placing an account? Connect with a market specialist.

Workers' Compensation Solutions for Professional Employer Organizations Amwins Specialty Casualty Solutions (ASCS), part of the Amwins Underwriting division, administers a dedicated workers’ compensation program for Professional Employer Organizations (PEOs). As a program administrator, Amwins Underwriting combines specialized underwriting, a client-facing portal, and broad capacity to help retail agents place complex PEO payroll portfolios. Overview of the Program This program is built for PEOs and the retail agents who serve them. It provides a full-service solution that emphasizes underwriting discipline for hazardous and mixed-class payrolls, operational transparency through a client portal, and nationwide capacity. You can learn more about program details on Amwins’ PEO product page: workers' compensation coverage for PEOs. Ideal Accounts and Appetite Target PEO clients and accounts with mixed-class payrolls across Hazard 1–8 and NCCI Hazard Grade A–F. Clients that require consolidated policy, payroll and claims reporting on a portal. Large or complex PEO aggregations where underwriting discipline and claims oversight are important. Agents who specialize in PEO business and can provide thorough payroll and loss history data. Coverage Highlights and Advantages Client Portal — secure access to policy details, client rosters, payroll submission, premium reporting and claims information to simplify administration and audit. Program administration by Amwins Underwriting — specialized PEO underwriting and policy servicing designed for multi-client payrolls. Flexible handling of mixed classes and higher-hazard exposures common to PEO portfolios. Partnering with specialty PEO retail agents — the program is structured to work with agents familiar with PEO operations and reporting. Underwriting Notes and Minimum Premium Amwins Underwriting evaluates submissions based on the PEO’s client mix, payroll detail by class, and loss history. The program typically requires comprehensive payroll and claims data at submission. The program’s stated minimum premium is $500,000, so it is positioned for larger PEO portfolios or aggregated business that can meet that threshold. Territories and Availability The program provides coverage nationwide and is available across all states and D.C. (AL, AK, 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, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY). Why Work With Amwins Underwriting on PEO Workers’ Comp Specialized underwriting and servicing for PEO structures, not a one-size-fits-all approach. Operational transparency through a single client portal that centralizes payroll, premium and claims data. Dedicated to working with experienced PEO retail agents who can provide detailed submissions. Example scenarios You have a regional PEO with 200 client companies across retail, light manufacturing and service classes and mixed payroll reporting — this program supports consolidated reporting and focused underwriting. A national PEO seeking better claims visibility and a single source for payroll/audit services for a large blended account — the client portal and program administration help streamline those needs. Interested in seeing the portal or discussing a submission? Visit the program page to learn more: Visit our website. Frequently Asked Questions What types of PEO clients are a good fit for this program?PEOs with larger aggregated payrolls or portfolios that include mixed or higher-hazard classes (Hazard 1–8; NCCI Hazard Grade A–F) are a strong fit. The program is geared toward accounts that can meet the $500,000 minimum premium and provide detailed payroll and loss information. How should agents submit business to Amwins Underwriting?Submissions should come from retail agents experienced with PEOs and include client rosters, payroll by class, detailed loss runs, and any current billing or audit procedures. Amwins Underwriting expects thorough data to evaluate blended-class exposures effectively. What does the client portal provide?The portal gives agents and their PEO clients access to policy documents, client-level payroll reporting, premium and audit information, and claim tracking. It is designed to centralize administration for multi-client PEO policies. Are there common account characteristics that will be declined?Accounts with inadequate payroll detail, poor loss history without a credible remediation plan, or exposures outside the program’s target hazard grades are likely to be declined. Extremely high-risk or prohibited classes may not fit the program’s appetite. Need help placing an account? Connect with a market specialist.

Workers' Compensation Coverage for ReMA Members Amwins Program Underwriters' (APU) AmeriComp Recycling insurance program has partnered with APU’s RecycleGuard program — the only property & casualty insurance program sponsored by ReMA — to provide a dedicated workers’ compensation solution for ReMA members. This program is designed for agents who need a market with deep scrap-industry knowledge, tailored underwriting, and broad territorial availability. Overview of the Program From Amwins Underwriting The Amwins Program Underwriters Recycling workers’ compensation program offers specialty underwriting and market access for established recycling operations. The program combines AmeriComp’s WC capabilities with RecycleGuard’s recycling expertise to help you place complex recycling accounts that may not fit standard WC markets. Ideal Accounts and Appetite This program targets established ReMA members with demonstrated industry operations and loss control practices. Typical accounts that fit the appetite include: Metal recyclers — iron & steel and non-ferrous facilities Paper, plastics, glass, textile, and electronics recycling operations Collection centers, shredding operations, and automobile dismantlers Clients with consolidated yard operations, employee training programs, and basic safety controls Accounts that are less likely to fit include brand-new operations without industry experience, entities with uncontrolled chemical processing exposures, or businesses with very high incident frequency and poor safety programs. Coverage Highlights and Advantages Program specifically tailored to scrap and recycling exposures — underwriters understand site operations, common loss scenarios, and loss-control best practices. Available access to admitted markets in the territories shown below; program has relationships with A.M. Best rated "A" capacity. Flexible limits available to match larger payrolls and multiple locations (limits vary by account). Designed for agents who need a disciplined, consistent underwriting approach for recycling risks. Underwriting Notes and Minimum Premiums Eligibility: Established ReMA members only. Minimum premium: $15,000 — the program is positioned for mid-to-larger accounts rather than small, high-volume retail placements. Limits: Various — underwriters will tailor limits to payroll, operations, and loss history. Carrier relationships include QBE; program capacity is supported by A.M. Best rated "A" markets. Territories and Availability Admitted availability in all states listed below. The program is available in: AL, AK, 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, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY Why Work With Amwins Underwriting on Recycling Workers’ Compensation Specialized underwriting for recycling — reduces friction on submissions that require industry expertise. Partnership with RecycleGuard and ReMA provides credibility and a focused placement channel for members. Appropriate for agents with established recycling clients who need admitted, A-rated capacity and tailored WC programs. Example Account Scenarios You have a metropolitan metal recycling yard with 40 employees, documented safety programs, and steady payroll — this program can provide admitted A-rated WC capacity with tailored limits. A client operates a mid-sized electronics recycling facility with specialized processing lines and a formal training program; the program’s underwriting team can evaluate operations and structure appropriate coverage terms. For best results, submit complete applications with loss runs, descriptions of operations, details on safety and training programs, and any relevant certificates of compliance. Underwriters will evaluate on operational controls, loss history, and payroll detail. Frequently Asked Questions What types of recycling accounts are a good fit for this program?Established ReMA members in metal (iron, steel, non-ferrous), paper, plastics, glass, textiles, electronics, collection centers, shredders, and automobile dismantling operations are the primary targets. The program prefers businesses with documented safety programs and known operating histories. What is the minimum premium and typical underwriting threshold?The program’s minimum premium is $15,000, making it best suited to mid-sized and larger recycling operations rather than small or start-up businesses. Which states and admitted options are available?The program is available in the states listed above and is positioned for admitted placements in those territories. Confirm state availability on submission as filings and capacity can vary. What materials should I include with a submission?Include current loss runs, a detailed operations description, payroll by class code, safety and training program documentation, and any regulatory compliance records. Complete submissions speed underwriting decisions. Need help placing an account? Connect with a market specialist.

DealerGuard - Auto Dealer's Open Lot For over 30 years, DealerGuard from Amwins Underwriting has provided open-lot physical damage coverage tailored to franchised and large independent auto dealers, associations, and finance company floorplans. The program pairs targeted underwriting with consultative service, loss-control support, and nationally recognized claims administration to protect inventory parked on dealer lots. Sweet spot Franchised auto dealers or large independent auto dealers Low demo/employee ratio (<10%) Low loss ratio (<30% current year; <40% prior three years) 5+ years in operation (franchised); 3+ years in operation (independent) Eligible risks - Franchised automobile dealers. Typical operations include sales of new and used vehicles, with incidental maintenance, service, and repair. Minimum account premium is $10,000. - Dealer Open Lot coverage may be written in conjunction with Manufacturer and Floorplan coverage. Ineligible risks - Auto (daily or weekly) rental operations - Boat dealers Coverage highlights Dealer's Open Lot Available for “non-floored only” accounts when required. Inventory protection can be extended to motorcycle and bus dealers. Parametric Parametric hail coverage is available for dealers in high-weather-risk zones where traditional terms can be difficult to secure. Other coverages available (separate policies) - Pollution and Underground Storage Tank Services & claims - Loss control and consultative services - Claims management provided by a nationally recognized third-party administrator - Dedicated, client-focused service team Underwriting notes & minimums Amwins Underwriting operates this program as a non-admitted market focused on larger dealer accounts. The program’s minimum account premium is $10,000. Underwriters look for stable operations, clean loss histories, and strong on-lot controls. Typical requirements include a completed DealerGuard application and currently valued loss runs (current year plus four prior years). Submission requirements - Completed DealerGuard application - Currently valued loss runs (current plus four prior years) - Franchised dealers: page one of the most recent month-end financial statement for each franchise/dealership - Non-franchised dealers: detailed inventory listing for all vehicles Please send submissions to: [email protected] Territory & carrier Available in: AL, AK, AZ, CA, CT, DE, FL, GA, ID, IL, IN, KY, LA, ME, MD, MA, MI, MN, MS, MT, NV, NH, NJ, NM, NY, NC, ND, OH, OR, PA, RI, SC, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Carrier: Lexington. Program administered by Amwins Underwriting (MGA). Why place DealerGuard through Amwins Underwriting? Specialized underwriting for franchised and large independent dealers with decades of program experience. Integrated loss-control and claims services designed for large inventory exposures. Flexible options for non-floored risks, inventory types (including motorcycles and buses), and parametric solutions for hail-prone territories. Dedicated underwriting and service teams focused on dealer-floorplan and open-lot exposures. Example accounts that fit this program You represent a multi-franchise dealer group with consistent safety controls, a low demo-to-employee ratio, and a five-year operating history — ideal for DealerGuard placement. A large independent dealer with several satellite lots, clean loss runs, and a $12,000 account premium need — fits the program’s minimum and underwriting profile. When completing applications, please include the Date a Quote is Required and the Expiring and/or Target Premiums. Frequently Asked Questions What types of dealer accounts are a good fit for DealerGuard?DealerGuard is designed for franchised auto dealers and large independent dealers with stable operations, low demo/employee ratios, and strong loss histories. The program targets accounts with solid on-lot controls and multi-year operating experience. What are the submission and documentation requirements?Submit a completed DealerGuard application, currently valued loss runs (current plus four prior years), and financials or detailed inventory listings depending on whether the dealer is franchised or independent. Is there a minimum premium or territory restrictions?Yes. The program’s minimum account premium is $10,000. Coverage is available in the states listed above; confirm availability with underwriting for specific risks. Does the program handle claims and loss control?Yes. Amwins Underwriting pairs the DealerGuard program with loss control and consultative services and uses a nationally recognized third-party administrator for claims management. What is the parametric hail option and when is it used?The parametric offering provides a hail-triggered payout for dealers in high-weather-risk zones where traditional terms may be limited. It’s intended as an alternate solution for hail-prone portfolios. Need help placing an account? Connect with a market specialist.

...and light industrial staffing Healthcare staffing (CNA, RN, allied health ac...olicy, marketing materials, and the Temporary Staffing supplemental application. Need ...

...althcare workers who serve nursing homes, assisted living communities, home health patients, and visiting nurse pr...rrent payroll by class code, sample staffing contracts or client agreements, d...

... • Grocery and retail stores • Home health agencies & VNAs • Hotels and ...ng market for artisan contractors, healthcare providers, social services, truc...

Overview of the Program From PMC Insurance Group PMC Insurance Group writes Carpentry Workers Compensation Insurance with programs that can begin as low as $2,000. This wholesale-broker program is designed for agents and brokers placing artisan and carpentry exposures across a broad range of classes. Carriers and terms vary by risk and state, and PMC provides underwriting access and placement support for eligible accounts. Ideal Accounts and Appetite Small to mid-sized carpentry and finish-trade contractors Typical classes: Carpentry, Framers, Flooring, Cabinetry, Drywall & Wallboard Installation, Painting and Paper Hanging, Interior Painting (residential & commercial) Artisan contractors with at least 1 full-time employee and a minimum payroll of $25,000 Accounts with elevated experience modification factors (high mods) are considered — underwriting review required Coverage Highlights and Advantages Workers compensation capacity for a wide set of carpentry and interior-trade classes Multiple carrier options — PMC works with varying markets to secure competitive terms Pay-as-you-go premium payment solutions available to help insureds manage cash flow and audit exposure Program suitable for both residential and light commercial interior work Underwriting Notes and Submission Requirements Underwriters typically look for clear payroll documentation and recent loss history. Key program qualifiers and restrictions: Qualification: minimum of 1 full-time employee and at least $25,000 in payroll Starting premium: policies can be written starting at $2,000; final minimum premium varies by carrier and state Ineligible risks: work with height exposures over two stories and roofing risks are not accepted High experience mods are accepted on a case-by-case basis — provide loss history and explanatory notes Required submission items: Completed ACORD application 3–5 years of loss runs Experience Mod (Mod) sheet Example Accounts That Fit This Program A cabinetry contractor with $40,000 payroll, primarily performing residential installations and light commercial millwork — lower height exposures, steady loss history. An interior finishing crew specializing in drywall and painting for multi-unit residential projects (under two stories) with a recent high mod — underwriting review for acceptance with tailored terms and pay-as-you-go available. Territories and Availability Availability: All Available States. This program currently writes accounts in the following jurisdictions: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, TN, TX, UT, VT, VA, WA, DC, WV, WI. Final placement and admitted/non-admitted options depend on carrier appetite and state rules. Why Work With PMC Insurance Group on Carpentry Workers Compensation Wholesale broker placement expertise across multiple carriers for carpentry and artisan trades Flexible solutions for small contractors, including pay-as-you-go and consideration of higher-mod accounts Clear submission requirements that speed underwriting decisions when provided in full Access to markets that understand construction-aligned exposures and payroll dynamics for interior trades For more information about this Carpentry Workers Compensation Insurance program and placement options, please visit pmcinsurance.com or submit the required underwriting documentation through your usual wholesale channel. Frequently Asked Questions What types of carpentry exposures does PMC accept?PMC accepts a broad range of interior carpentry and finish-trade classes including carpentry, flooring, framers, cabinetry, drywall & wallboard installation, and painting. Roofing and work over two-story height exposures are not eligible. What are the minimum qualifications to submit an account?Accounts generally need at least one full-time employee and a minimum payroll of $25,000. Provide a completed ACORD, 3–5 years of loss runs, and the current Mod sheet for best consideration. Can accounts with high experience modification factors be placed?Yes. High-mod accounts are considered on a case-by-case basis. Include loss runs and any risk-control measures taken to improve underwriting outcomes. Are pay-as-you-go options available?Yes. PMC offers pay-as-you-go premium payment solutions through participating carriers to help insureds manage cash flow and reduce audit volatility. Which states and carriers are available?The program is available in all listed states (see storefront for full list). Carriers vary by state and risk profile; final admitted/non-admitted placement depends on carrier appetite and regulatory requirements. Need help placing an account? Connect with a market specialist.

...ce models — from residential group homes to community outreach and workforce t...-based organizations, including group homes, shelters, senior centers, job tra...