Amelia Underwriters

What Amelia Underwriters does

Amelia Underwriters Inc. is a privately held, family-owned wholesale and surplus lines insurance brokerage established in 1985 and headquartered in Fernandina Beach, Florida. The firm acts as an intermediary between retail insurance agents and brokers on one side and multiple insurance carriers on the other, distributing commercial and personal lines across 41 U.S. states. Its primary customer segment is retail insurance agents and brokers seeking streamlined access to specialty and standard markets; downstream end insureds include small and mid-market businesses, artisan contractors (plumbers, electricians, HVAC specialists, painters, carpenters), transportation and logistics operators, and owners of high-value assets such as jewelry and fine art.

The company's core asset is the proprietary Virtual Underwriter, an internet-based platform through which appointed agents can rate, quote, and bind coverage 24 hours a day, seven days a week. The platform supports roughly 19 product lines organized into Casualty (general liability, commercial umbrella, workers compensation, EPLI, professional liability, cyber, canine liability), Property (commercial property, vacant property, homeowners, dwelling fire, flood, jewelry/fine arts/collections), Transportation (motor truck cargo, trucking liability, marine contractors), and Miscellaneous (special events, event cancellation, liquor liability). Recent platform-level additions include an admitted-market Artisan Contractors General Liability product in Florida via a 2024 partnership with Cimarron Insurance, expanding beyond surplus lines into state-regulated placement.

Commercially, Amelia Underwriters operates a pure B2B agent-channel model with no direct consumer pricing and no publicly disclosed commission schedule. Revenue is generated on a per-policy basis via carrier commissions on placements facilitated through the Virtual Underwriter. Distribution is restricted to appointed retail agencies that complete a broker agreement, submit licensing and E&O documentation, and access the portal. Marketing and demand generation rely on thought-leadership content (blog), organic LinkedIn and Facebook pages, and trade-press contributions such as the 2024 Rough Notes feature. The firm employs 11-50 people, is wholly owned by Wes Sheffield, has no disclosed institutional capital, no acquisitions, no subsidiaries, and no public revenue disclosure.

Name

Amelia Underwriters

Legal name

Amelia Underwriters Inc.

Website

https://ameliaunderwriters.com

Company type

Private

Founded year

1985

Operating status

Operating

Headcount range

11–50 employees

Short description

Amelia Underwriters is a family-owned wholesale insurance broker licensed in 41 U.S. states, providing retail agents with a proprietary Virtual Underwriter platform to rate, quote, and bind specialty commercial and personal lines 24/7.

Ownership category

akta.pro rank

Product category

Wholesale Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Other Insurance Related Activities (52429)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Wholesale Insurance Brokerage (Excess & Surplus Lines) (FSAEADAD)

akta.pro secondary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

Keywords

• Wholesale insurance brokerage
• Surplus lines insurance
• Commercial insurance products
• Insurance underwriting platform
• Retail agent portal

Headquarters

HQ city

Fernandina Beach

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Wholesale Insurance Brokerage: As a wholesale insurance broker, Amelia Underwriters acts as an intermediary between retail insurance agents/brokers and insurance carriers. Revenue is generated through commissions on insurance policies placed through the platform, accessing multiple insurance carriers to provide coverage solutions for agents.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

Amelia Underwriters is a wholesale and surplus lines insurance brokerage that distributes commercial and personal insurance products from multiple carriers to retail insurance agents. Its proprietary Virtual Underwriter internet platform enables appointed agents to rate, quote, and bind coverage 24/7 across casualty, property, transportation, and miscellaneous specialty lines including general liability, commercial property, artisan contractors, cyber, and motor truck cargo insurance.

Product overview

Amelia Underwriters operates as an insurance wholesale broker offering a comprehensive portfolio of commercial and personal insurance products through its proprietary Virtual Underwriter platform. The platform serves as the core technology enabling agents to rate, quote, and bind policies 24/7 across four main product categories: Casualty (general liability, commercial umbrella, workers comp, artisan contractors, canine liability, EPLI, professional liability), Property (commercial property, homeowners, vacant property, flood insurance, fine arts/jewelry), Transportation (motor truck cargo, trucking liability), and Miscellaneous (cyber insurance, special events, event cancellation). Key products include General Liability Insurance, Commercial Property Insurance, Cyber Insurance, Artisan Contractors Insurance, and Admitted Artisan Contractors General Liability (Florida). The Virtual Underwriter system is the central platform powering real-time insurance workflow automation.

Differentiator

Problem solved

Functional benefit

Brands

• Virtual Underwriter: Proprietary internet-based platform that allows agents to rate, quote, and bind various lines of insurance coverage 24 hours a day, 7 days a week.

Products and services

• Virtual Underwriter Proprietary internet-based platform enabling appointed retail insurance agents to rate, quote, and bind various lines of insurance coverage 24/7 with real-time results, streamlining workflow and reducing administrative tasks.
• General Liability Insurance Coverage for bodily injury, property damage, and personal injury claims essential for businesses of all sizes and industries, placed through the wholesale brokerage for retail agents.
• Commercial Property Insurance Coverage for buildings, equipment, and inventory lost due to fire and other covered perils, distributed to retail agents for placement with business clients.
• Artisan Contractors Insurance Specialized coverage for artisan contractors including plumbers, electricians, HVAC specialists, painters, and carpenters, addressing liability and business risks specific to trades.
• Admitted Artisan Contractors General Liability (Florida) State-backed admitted insurance policy for Florida artisan contractors providing state guaranty fund protection if the insurer becomes insolvent, launched in partnership with Cimarron Insurance.
• Vacant Property Insurance Coverage for unoccupied buildings and builder's risk during construction or renovation periods, distributed to retail agents for vacant and under-construction properties.
• Cyber Insurance Coverage protecting businesses from financial fallout of cyber incidents including data breaches, ransomware, and other cyber threats; covers data restoration, legal fees, and regulatory fines.
• Canine Liability Insurance Coverage for dog owners and businesses against claims arising from dog-related incidents, covering legal expenses, medical bills, and damages; subject of a published article by Amelia's Director of Operations in Rough Notes magazine.
• Workers Compensation Coverage for employee injuries and illnesses sustained in the course of employment, placed through the wholesale brokerage on behalf of retail agents' business clients.
• Commercial Umbrella Additional liability coverage that extends beyond the limits of primary liability policies for businesses and individuals seeking extra protection.
• Professional Liability Insurance Errors and omissions coverage protecting professionals such as lawyers, doctors, and consultants against claims of negligence or errors in professional services.
• Employment Practices Liability Insurance (EPLI) Coverage for employers against claims related to wrongful termination, harassment, discrimination, and other employment-related issues.
• Product Liability Insurance Coverage protecting manufacturers and retailers against claims arising from defective products that cause harm to consumers.
• Transportation/Motor Truck Cargo Insurance Coverage bundle including auto physical damage, motor truck cargo, excess motor truck cargo, warehouseman's legal liability, non-truckers liability, and truckers general liability for the transportation industry.
• Homeowners and Dwelling Fire Insurance Coverage for residential properties including homes and dwelling fire policies for personal lines placements.
• Flood Insurance (Primary and Excess) Primary flood, excess flood, and RCBAP/commercial flood coverage for properties in high-risk flood zones, placed through retail agents.
• Jewelry, Fine Arts, and Collections Insurance Specialized coverage for high-value items including jewelry, fine arts, furs, collections, and museum collections.
• Special Events and Event Cancellation Insurance Coverage for special events and protection against financial losses from event cancellations.
• Liquor Liability Insurance Coverage for businesses that serve alcohol against claims arising from alcohol-related incidents.
• Marine Contractors Insurance Coverage for marine contractors operating in coastal and waterway construction and services.

Segments4 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Four partnerships are on record, tiered core and minor.

• Cimarron InsurancecoreStrategic or Co-development Partner · 7 November 2024Partnership to offer Admitted Artisan Contractors General Liability Insurance in Florida. Cimarron Insurance is a carrier providing admitted insurance policies, while Amelia Underwriters serves as the wholesale broker distributing these products through retail agents. This collaboration provides Florida artisan contractors with coverage that meets state admitted insurance standards with state guaranty fund protection.
• HiscoxminorChannel Partner/ Reseller/ DistributorHiscox logo displayed as a partner/agent relationship on the Amelia Underwriters website, indicating a working partnership for insurance product distribution.
• InsureMyK9minorChannel Partner/ Reseller/ DistributorInsureMyK9 logo displayed as a partner relationship, offering canine liability insurance products through the Amelia Underwriters platform.
• Click FinancingminorChannel Partner/ Reseller/ DistributorClick Financing logo displayed as a partner, providing financing solutions for insurance premiums accessible to agents and their clients.

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Market position

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/amelia-underwriters
• LinkedInlinkedin.com/company/amelia-underwriters

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Amelia Underwriters