Amerisure

Industry-leading specialist transforming the insurance experience one partnership at a time.

Specialty Solutions

Overview

Amerisure is a commercial property and casualty insurance carrier with over 110 years of history serving U.S.-based businesses. Founded on September 12, 1912, as Michigan Workmen Compensation Mutual Insurance Company -- just 11 days after Michigan Workers Compensation Law took effect -- the company has grown into a national insurer licensed in all 50 states. Amerisure rebranded to its current name in 1984 and converted to a mutual holding company in 2009.

Amerisure focuses on three core segments: construction, manufacturing, and healthcare, also serving wholesale and distribution businesses. The company distributes exclusively through an elite network of independent agencies via its Partners For Success (PFS) program, established in 1997.

The company holds an A (Excellent) AM Best rating, reaffirmed March 31, 2026, based on a successful 2025. Amerisure has been consistently recognized as one of the best places to work in insurance, with industry-leading Net Promoter Scores and customer satisfaction rankings.

Products & Services

Workers Compensation

Comprehensive coverage with claims management, return-to-work programs, and employee services.

Key Features

Return-to-work programs
Medical bill review (net savings passed directly to policyholder)
Major case management for complex claims
Special Investigation Unit (SIU) fraud detection

Target Users: Construction, manufacturing, healthcare, and wholesale distribution businesses

General Liability

Broad commercial general liability protecting business assets from bodily injury and property damage.

Key Features

Tailored to construction, manufacturing, and healthcare exposures
Umbrella and excess options for higher limits

Target Users: Commercial businesses in core industry segments

Commercial Auto

Fleet-focused vehicle coverage supported by telematics and fleet safety technology.

Key Features

Fleet management via Fleet Alliance program
AI-powered dash cameras and telematics to reduce accident frequency
Driver monitoring and analytics

Target Users: Contractors, manufacturers, and businesses with commercial fleets

Commercial Property

Property coverage for buildings and business personal property with industry-specific exposures.

Target Users: Contractors, manufacturers, healthcare facilities

Inland Marine

Coverage for equipment, tools, and materials in transit or at job sites.

Target Users: Construction contractors and manufacturers with mobile assets

Umbrella

Extended coverage tailored to specific business circumstances beyond standard policy limits.

Target Users: Commercial businesses requiring higher liability limits

Surety

Contract and commercial surety bonds with consistent underwriting and reliability.

Target Users: Construction contractors requiring bonding

Loss Sensitive Programs

Flexible loss-funding solutions including retrospective-rated and large-deductible programs.

Target Users: Established businesses with favorable loss experience seeking cost-effective risk funding

Specialty Programs (AMP -- Amerisure Programs)

Niche programs for specific industry segments:

Key Features

Gas and Welding suppliers
Tow operators
Security guard, private investigation, and alarm installation
Swimming pool contractors
Equipment rental businesses
Condominium associations

Target Users: Businesses in niche segments requiring specialty coverage

At a Glance

Founded: 1912
Headquarters: Farmington Hills, Michigan
Employees: 1000+

Category & Focus

Category: Specialty Solutions
Subcategories: Workers Compensation Commercial Property General Liability Commercial Auto Inland Marine Surety Loss Control Technology
Insurance Verticals: P&C Commercial Workers Compensation Specialty/E&S
Target Customers: Agents/Agencies

Customers

Construction (contractors, subcontractors, specialty trades)
Manufacturing (discrete and process manufacturers)
Healthcare (facilities, clinics, home health agencies)
Wholesale and distribution
Niche markets (gas/welding, tow, security, pool, equipment rental, condo associations)