Amerisure Insurance

What Amerisure Insurance does

Amerisure Mutual Insurance Company is a Farmington Hills, Michigan-based commercial property and casualty insurer founded in 1912, operating as a policyholder-owned mutual licensed in all 50 U.S. states. The company focuses on mid-market commercial accounts in four primary verticals — construction, manufacturing, healthcare, and wholesale/distribution — offering Workers' Compensation, Commercial Auto, General Liability, Umbrella, Commercial Property, Inland Marine, Loss Sensitive, and Surety products, augmented by specialized programs such as Contractors Advantage Program (CAP), Manufacturers Advantage Program (MAP), and Amerisure COMMAND Coverage. Through its Amerisure Programs (AMP) division, Amerisure also writes niche verticals (gas & welding, security guards, tow operators, swimming pool contractors, equipment rental, condominium associations) via exclusive managing general agent relationships.

Amerisure generates revenue through commercial insurance premiums and distributes exclusively through the Partners For Success® network — a curated set of elite independent agencies selected for vertical expertise and market leadership, with no direct-to-consumer or online quoting channel. Customer-facing technology is anchored on the SureConnect® digital portal (policy, billing, claims, risk management) and SureClaims™ service, supplemented by risk management technology including Fleet Alliance telematics partnerships, AI-powered ergonomic evaluations, Fit for Duty impairment screening, VR safety training, wearables, and IoT hazard sensors.

The company maintains an A.M. Best "A" (Excellent) financial strength rating, reports a policyholder NPS of 80, and has operated continuously for over 110 years under a mutual holding structure adopted in 2009. Recent strategic actions include the 2026 transfer of legacy asbestos liabilities to Compre Group to free capital, ongoing Guidewire cloud platform modernization (2025 Innovation Award), and active scaling of risk management technology partnerships (GPS Insight, National Safety Council MSD Solutions Lab). A pending coverage dispute with Mycon General Contractors over facade failure claims and continued investment in risk technology are the principal litigation and operational variables to monitor.

Name

Amerisure Insurance

Legal name

Amerisure Mutual Insurance Company

Website

https://amerisure.com

Company type

Private

Founded year

1912

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Amerisure is a 110-year-old policyholder-owned mutual insurer that writes mid-market commercial property and casualty coverage in construction, manufacturing, healthcare, and wholesale/distribution exclusively through its Partners For Success® independent agency network, augmented by risk management technology and specialized niche programs.

Ownership category

akta.pro rank

Product category

Commercial Property and Casualty Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126)

SIC

Fire, Marine & Casualty Insurance (6331), Surety Insurance (6351)

akta.pro primary industry

Construction Specialty (Wrap-Ups/Builders Risk/Contractors) (FSAJAGAH)

akta.pro secondary industries

Commercial Excess Liability (Large Accounts) (FSAJANAG), Product Liability Umbrella / Excess (FSAJANAI)

Keywords

• Commercial property casualty insurance
• Workers compensation coverage
• Commercial auto insurance
• Manufacturing insurance programs
• Construction insurance specialists

Headquarters

HQ city

Farmington Hills

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Commercial Property & Casualty Insurance Premiums: Amerisure generates revenue through commercial property and casualty insurance premiums. The company offers Workers' Compensation, General Liability, Commercial Auto, Umbrella, Commercial Property, Inland Marine, Loss Sensitive, and Surety products. Revenue is collected through policy premiums billed according to policy terms.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels7 records

Core offering

Amerisure underwrites and services commercial property and casualty insurance — Workers' Compensation, Commercial Auto, General Liability, Commercial Property, Umbrella, Inland Marine, Loss Sensitive, and Surety — exclusively for mid-sized businesses in construction, manufacturing, healthcare, and wholesale/distribution. Distribution is channel-only through an exclusive network of elite independent agents called Partners For Success®, with no direct or online sales to policyholders. The offering bundles insurance coverage with risk management services, claims handling (SureClaims™), and proprietary safety technology delivered through the SureConnect® portal.

Product overview

Amerisure Insurance offers a comprehensive commercial insurance platform with multiple core product lines including Workers' Compensation, Commercial Auto, General Liability, Umbrella, Commercial Property, Loss Sensitive, Surety, and Inland Marine. The company differentiates through specialized add-on programs: Contractors Advantage Program (CAP) for construction businesses, Manufacturers Advantage Program (MAP) for manufacturing risks, and Amerisure COMMAND Coverage for enhanced property protection. The SureConnect digital platform serves as the central customer portal integrating policy management, claims handling, and risk management services. Additionally, Amerisure Programs (AMP) offers specialized industry-specific coverage through exclusive agency partnerships including Gas & Welding, Security Guard & Alarm Installation, Tow Operators, Swimming Pool Contractors, Equipment Rental, and Condominium Associations. The company also provides risk management technology services including fleet telematics, AI-powered ergonomic evaluations, and IoT sensor monitoring.

Differentiator

Problem solved

Functional benefit

Brands

• Partners For Success®: Agency partnership program that aligns Amerisure with high-caliber independent agencies in key markets.
• SureConnect®
• Contractors Advantage Program® (CAP)
• Manufacturers Advantage Program® (MAP)
• Amerisure Programs (AMP)
• COMMAND Coverage®
• Amerisure Surety
• Special Risk

Products and services

• Workers' Compensation Insurance coverage providing benefits to employees injured or made ill at work, paired with risk management and claims services that enable safe and efficient return-to-work programs. A foundational line since the company's 1912 founding as Michigan Workmen's Compensation Mutual Insurance Company.
• Commercial Auto Coverage for vehicles used for business purposes including cars, trucks, and vans, covering employee injuries and vehicle damage. Bundled with data-driven risk management through the Fleet Alliance partnership offering telematics and dashcam insights.
• General Liability Commercial general liability insurance protecting businesses from claims involving bodily injury, property damage, advertising injury, and personal injury arising from products, services, or operations.
• Umbrella Extended and tailored commercial umbrella coverage providing flexibility to protect businesses beyond their standard commercial liability limits.
• Commercial Property Property insurance customized to commercial needs, anchored by Amerisure COMMAND Coverage® which provides broader commercial property coverage and higher sub-limits than competitors for manufacturing and commercial accounts.
• Loss Sensitive Alternative to fixed-cost insurance plans enabling companies to benefit from safety investments through retrospective rating plans and large deductible options that reward loss control.
• Surety Contract surety products including Performance Bonds, Payment Bonds, and Commercial Bonds, underwritten through an exclusive franchise network of expert surety agents. Served by the Amerisure Surety division.
• Inland Marine Coverage for property in transit over land, moveable property, property under construction, instrumentalities of transportation and communication, and computerized equipment.
• Contractors Advantage Program (CAP) Specialized insurance program for contractors providing flexible additional coverage options including auto liability broad form, general liability blanket additional insured, umbrella liability extension, and pollution reimbursement coverages.
• Manufacturers Advantage Program (MAP) Specialized insurance solutions for manufacturers with broader coverage and higher limits including commercial auto liability broad form, product recall coverage, and manufacturers errors and omissions.
• Amerisure COMMAND Coverage® Comprehensive property protection for commercial manufacturers and healthcare organizations with mechanical breakdown, broad computer coverage, business interruption, flood coverage, and supplemental crime coverages.
• Gas & Welding Program Specialized coverage through Amerisure Programs (AMP) and exclusive partnership with The Horton Group for gas and welding distributors, including industry-specific forms, replacement cost coverage for bulk tanks and cylinders, and telematics cost-sharing options.
• Security Guard & Alarm Installation Program Coverage through Amerisure Programs (AMP) partnership with Cornerstone Underwriting Partners for armed and unarmed security guards, private investigators, and alarm installers with loss sensitive funding solutions.
• Tow Operators Program Multi-line coverage through Amerisure Programs (AMP) partnership with Kapnick Insurance Group and R & A Insurance for tow operators, including Garagekeepers Legal Liability and Motor Truck Cargo coverage.
• Swimming Pool Contractors Program Coverage through Amerisure Programs (AMP) partnership with Insurance by Ken Brown, Inc. (IBKB), a Gallagher Company, for pool contractors, servicers, and retailers with FSPA group dividend program returning over $1.2 million in premiums.
• Equipment Rental Program Coverage through Amerisure Programs (AMP) partnership with AssuredPartners for equipment rental dealers including voluntary parting coverage and deductible waivers.
• Condominium Association Program Coverage through Amerisure Programs (AMP) partnership with Arden Insurance Services for condominium associations in AZ, MI, IL, OH, WI with Guaranteed Replacement Cost up to $100 million.
• SureConnect® Digital Customer Portal Digital platform providing policyholders with access to policy and billing documents, claims management (SureClaims™), risk management reporting, benchmarking tools, and video consultations with Amerisure experts.
• SureClaims Claims Service Lifecycle claims handling service focused on timely communication and collaboration, providing expert claims representatives who stay connected with policyholders throughout the claim process.
• Fleet Alliance Risk Management Platform Fleet management, driver monitoring, and data analytics offering including telematics, AI-powered dash cameras, and continuous MVR monitoring services, partnered with GPS Insight and other preferred vendors.

Quantifiable outcome

• Policyholder NPS of 80, described as far and above industry average
• +1 more outcomes

Named customers4 records

Segments10 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability6 records

Feature7 records

Partnerships

Twelve partnerships are on record, tiered minor and core.

• Compre Group Holdings LimitedminorOthers · 19 March 2026Compre agreed to assume a material portfolio of asbestos liabilities from Amerisure, including management and administration of all associated claims. This transaction provided capital and operational benefits for Amerisure, reducing legacy exposure and volatility.
• GuidewirecoreTechnology or Integration · 30 October 2025Amerisure won Guidewire's 2025 Innovation Award recognizing their use of Guidewire's cloud platform and intelligent capabilities to deliver measurable value as a P&C insurer. Guidewire is Amerisure's core insurance platform provider.
• The Horton GroupcoreChannel Partner/ Reseller/ DistributorExclusive partnership through Amerisure Programs (AMP) for Gas & Welding distributors coverage. The Horton Group is described as the #1 most sought-after agency in this industry, providing deep expertise and industry-specific coverage forms.
• Arden Insurance Services, LLCcoreChannel Partner/ Reseller/ DistributorExclusive partnership through Amerisure Programs (AMP) for Condominium Association coverage. Arden Insurance Services is a managing general agent providing comprehensive coverage in AZ, MI, IL, OH, WI.
• Cornerstone Underwriting PartnerscoreChannel Partner/ Reseller/ DistributorExclusive partnership through Amerisure Programs (AMP) for Security Guard, Private Investigation, and Alarm Installation coverage. Cornerstone is a leading provider in this space.
• Kapnick Insurance Group and R & A InsurancecoreChannel Partner/ Reseller/ DistributorExclusive partnership through Amerisure Programs (AMP) for Tow Operators coverage. Kapnick serves IA, IL, IN, KY, MI, MN, OH, TN while R & A Insurance serves DE, MD, NJ, PA, VA, WV. Both are respected agents in the tow industry.
• Insurance by Ken Brown, Inc. (IBKB), a Gallagher CompanycoreChannel Partner/ Reseller/ DistributorExclusive partnership through Amerisure Programs (AMP) for Swimming Pool Contractors & Retailers in Florida and Southeast. IBKB has 30+ years of partnership with Florida Swimming Pool Association (FSPA) and offers exclusive group dividend program that has returned over $1,200,000 in premiums.
• AssuredPartnerscoreChannel Partner/ Reseller/ DistributorExclusive partnership through Amerisure Programs (AMP) for Equipment Rental Dealers coverage nationwide. AssuredPartners is the fifth largest P&C agency in the US with producers having over 30 years of knowledge in the equipment rental space.
• National Safety Council (NSC)coreStrategic or Co-development PartnerAmerisure is a founding member of NSC's safety advisory group to help prevent workplace injuries. Amerisure was awarded MSD Solutions Index Badge and participated in MSD Solutions Lab Pilot Grant program to develop solutions for musculoskeletal disorders.
• Shepherd CenterminorOthersPartnership supporting Shepherd Center rehabilitation facility through charitable foundation and community outreach programs in Atlanta, GA.
• GAWDA (Gases & Welding Distributors Association)minorOthersAmerisure Programs is an active member and sponsor of GAWDA, the Gas and Welding Distributors Association, demonstrating industry expertise in the gas and welding sector.
• Mycon General Contractors, Inc.minorOthersMycon General Contractors filed suit against Amerisure Insurance Company and five other CGL insurers denying coverage for facade failure claims at McKinney Corporate Center Project.

Scale indicators5 records

Recent moves11 records

Expansion highlights5 records

Direct peers

• Donegal Group: Donegal is a regional P&C insurer with significant commercial lines emphasis distributed through independent agents, including a workers' comp focus that overlaps Amerisure's WC product. Comparable on agency distribution model and mid-market commercial orientation.
• Selective Insurance Group: Selective Insurance is a mid-market commercial P&C specialist distributed through independent agents, with emphasis on construction, manufacturing, and similar core verticals that overlap directly with Amerisure's segment focus. Publicly traded, but with comparable E&S-flavored specialty commercial positioning.
• Employers Holdings: Employers is a workers' compensation specialist carrier with strong small and mid-market focus, comparable to Amerisure on the workers' comp product line. As a monoline WC specialist, it is a partial direct peer rather than a full multi-line match.
• Main Street America Insurance: Main Street America is a mutual holding company writing small and mid-market commercial and personal lines through independent agents. Its mutual structure and small/mid-commercial orientation make it a relevant structural peer to Amerisure.
• FCCI Insurance Group: FCCI is a mutual commercial P&C insurer focused on construction, manufacturing, and service industries — a near-direct vertical overlap with Amerisure. Its mutual structure and industry-specialized commercial book make it a highly comparable peer, particularly for the construction and manufacturing segments.
• Cincinnati Financial: Cincinnati Financial is a publicly traded specialty commercial P&C insurer with a long-standing independent agency distribution model and significant concentration in mid-market commercial lines. It is a relevant direct peer due to comparable agency-channel strategy and mid-market commercial orientation, though it operates as a stock company rather than a mutual.
• Westfield Insurance: Westfield is a super-regional mutual P&C carrier that writes commercial lines through independent agents, with significant specialty and middle-market exposure. Its mutual ownership structure and agent-distributed specialty commercial book make it one of the closest operating-model peers to Amerisure.
• The Hanover Insurance Group: Hanover is a specialty commercial P&C carrier with strong mid-market and small-commercial focus, distributed primarily through independent agents. Comparable to Amerisure on product mix (commercial auto, GL, workers' comp, umbrella) and agency distribution, though Hanover is publicly traded and geographically broader.

Broad incumbents

• Travelers: Travelers is one of the largest US commercial P&C carriers with extensive mid-market and construction industry programs. It is a broader incumbent offering overlapping coverage (workers' comp, GL, commercial auto, surety) to the same customer base, but at materially greater scale and breadth.
• Chubb: Chubb is a global P&C and specialty insurer offering commercial multi-line coverage to mid-market and large accounts, including construction and manufacturing segments. It competes with Amerisure at the upper end of the mid-market but operates as a much larger global incumbent.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

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• Facebookfacebook.com/AmerisureInsurance
• LinkedInlinkedin.com/company/amerisure-insurance
• Instagraminstagram.com/amerisureins

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Amerisure Insurance