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Overview of the Program from Amwins Underwriting APU's AmeriComp workers’ compensation program through Amwins Underwriting provides access to multiple admitted markets with a broad class-code appetite. The program offers both direct access and binding authority for its carrier partners, allowing wholesale brokers and agents to place mono-line workers' compensation accounts across a wide range of industries and risk levels. Ideal Accounts and Appetite This program is designed for independent agents and brokers looking to place employer-paid workers’ compensation for clients that range from low- to high-hazard operations. Target classes include: Manufacturing Hospitality Transportation Construction Wholesale Healthcare Retail Service Cannabis AmeriComp is set up to handle standard risks as well as harder-to-place accounts such as new ventures, accounts with recent loss activity (credit to debit experience modification scenarios), and businesses seeking either guaranteed-cost or loss-sensitive programs. USL&H (United States Longshore and Harbor Workers) coverage is available where appropriate. Coverage Highlights and Advantages Broad admitted-market access—several admitted carriers participate in the AmeriComp WC program. Binding authority and direct placement options speed turnaround and reduce placement friction. Support for both guaranteed-cost and loss-sensitive program structures. Ability to consider accounts with credit-to-debit experience modification scenarios and new ventures. Industry breadth from retail and service to higher-hazard manufacturing and construction accounts. USL&H available for applicable exposures. Underwriting Notes and Submission Requirements To evaluate submissions quickly and accurately, underwriters typically request the following: Completed industry standard workers’ compensation application. Loss runs for the past 3–5 years. Experience modification worksheet or verification of the current EMR. Minimum premium varies by state; pricing and program options will be quoted based on class mix, payroll, loss history, and state jurisdiction. Please do not include payroll or premium estimates on incomplete applications—attach the requested loss runs and EMR to help expedite underwriting. Territories and Admitted Status The AmeriComp program partners with admitted carriers and is available across all states listed on this storefront, with admitted placements available in most territories. Availability and specific carrier appetite may vary by state and line size; please reference the state list when preparing submissions and confirm availability for your insured’s jurisdiction. Why Work with Amwins Underwriting on This Business Amwins Underwriting combines wholesale distribution experience with program-level access to admitted carriers and binding authority—giving agents a single point of contact for a wide range of classes and program structures. The firm’s underwriting flexibility makes AmeriComp a practical solution when you need admitted paper, faster binding, or creative structuring for clients that fall outside a standard appetite. Example placement scenarios You have a regional restaurant group expanding into a new state with multiple locations and typical hospitality class codes — AmeriComp can provide admitted carriers and options for guaranteed-cost or loss-sensitive arrangements. You represent a small manufacturing facility with a recent unfavorable loss year but stable safety controls; the program will consider credit-to-debit EMR situations and new-venture submissions with appropriate supporting documentation. To submit business, please send complete packages (application, 3–5 years loss runs, EMR) to: [email protected]. If you need clarification on state availability or program fit before submitting, include a brief risk summary in your email. Frequently Asked Questions What types of accounts are a good fit for the AmeriComp mono-line workers’ compensation program?Accounts across manufacturing, hospitality, transportation, construction, wholesale, healthcare, retail, service, and cannabis are primary targets. The program also considers new ventures and accounts with credit-to-debit experience modification issues. What documents should I include with a submission?Include a completed industry-standard workers’ compensation application, 3–5 years of loss runs, and the experience modification worksheet or verification. More complete submissions help speed underwriting and placement. Is this program admitted or non-admitted paper?AmeriComp partners with several admitted carriers and places admitted paper in most jurisdictions. Specific carrier availability and admitted options depend on state and account characteristics. Are loss-sensitive programs available?Yes. The program supports both guaranteed-cost and loss-sensitive programs, and underwriters can evaluate alternative structures for larger or more complex accounts. How do I submit a risk or get a preliminary fit check?Email a brief risk summary and the required documents to [email protected]. For fast pre-submission feedback, include class mix, payroll, current EMR, and a short loss history overview. Need help placing an account? Connect with a market specialist.

Personal Lines Coverage Solutions from MAXIMUM MAXIMUM is a wholesale broker specializing in flexible, rapid solutions for personal lines accounts that are difficult to place in the standard market. With access to top-rated admitted and non-admitted carriers — including Essex, Fireman’s Fund Prestige Solutions, Lexington, Lloyd’s of London, and Redland — we help agents and brokers place residential property risks that require specialty underwriting. Whether the exposure involves coastal wind, prior loss history, uncommon construction, or non-standard ownership, our underwriting team works to find a tailored placement. Ideal Accounts and Appetite This program is built for personal property risks that commonly fall outside admitted carrier guidelines. MAXIMUM regularly places: Coastal homes, including properties in hurricane- and high-wind zones Secondary, seasonal, and vacation residences, with or without coastal and earthquake exposures Homes under construction or undergoing significant remodeling Vacant dwellings and short- or long-term rentals Properties with prior claim activity or a loss history Homes in unprotected fire zones (PC 9 & 10), such as California brush areas Stand-alone Earthquake and excess Flood coverage options Properties titled in LLCs or trusts Homes with nonstandard exteriors like EFIS or DRIVIT stucco Florida homeowner risks, including coastal exposures Example scenarios: you might have a client who owns a seasonal beach house in a high wind zone, or an investor with multiple vacant rental properties titled in an LLC. Those are the types of accounts we place regularly. Coverage Highlights and Advantages We offer flexible forms and capacity options to match each exposure. Depending on carrier appetite and the individual risk, available coverages may include: Flexible limits and deductible structures aligned to property type and location All-risk, named-peril, or specialty peril policy forms Coverage for unique construction types and non-standard materials Wind, flood, and earthquake coverage available on a stand-alone or excess basis Our market access across admitted and non-admitted carriers allows us to place accounts that admitted markets may decline, while helping maintain compliance where admitted coverage is preferable. Underwriting Notes MAXIMUM underwrites a broad spectrum of residential risks — from high-value vacation homes to previously uninsured or distressed properties. We evaluate each submission on its merits: occupancy, construction, mitigation measures, loss history, and location all factor into placement options and pricing. There is no publicly listed minimum premium; pricing is competitive and scaled to the complexity and location of the risk. Submission requirements vary by account but typically include a completed application, detailed property information, and loss history. Territories and Availability Our personal lines solutions are available in most states, including coastal and catastrophe-prone regions. We offer admitted placements where available and non-admitted capacity for risks that fall outside admitted guidelines. 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, WV, WI, WY Why Work With MAXIMUM Agents and brokers choose MAXIMUM for our underwriting expertise, fast service, and creative placement options. We combine strong carrier relationships with practical underwriting to move difficult accounts toward binding quickly. Our team will help you identify the best admitted or non-admitted avenue, outline submission requirements, and explain available coverages so you can retain business that otherwise might be declined. Whether you need to place a single challenging home or grow a book of specialty personal lines business, MAXIMUM offers the market access and underwriting support to help you succeed. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for coastal properties, seasonal or secondary homes, vacant or rental dwellings, and homes with prior loss history or unique construction features. Is coverage available for properties located in high-risk areas like California or Florida?Yes. MAXIMUM offers solutions for high-risk territories including California brush zones and Florida coastal properties. Stand-alone Earthquake and excess Flood options are also available. Can properties titled in an LLC or trust be covered?Yes. We can place coverage for properties owned by LLCs or held in trusts, which many standard carriers decline. Are admitted markets available for this personal lines program?Admitted markets are available in most states where appropriate. For risks outside admitted guidelines, we can access strong non-admitted carriers. What documentation is needed to submit a risk?Submission requirements vary, but typically include a completed application, property details (construction, year built, occupancy), and loss history. Contact MAXIMUM for specific underwriting requirements for your submission. Need help placing an account? Connect with a market specialist.