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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.

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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.

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.