We Recommend Hiscox
Amerisure was founded in 1912, originally to provide worker’s compensation insurance policies to the many businesses operating in their home state of Michigan. As commercial insurance evolved over time, so did Amerisure. They continue to offer worker’s compensation, but they have added a list of packages and specific policies to serve the industries on which they have chosen to focus.
Amerisure’s headquarters is still found in Farmington Hills, Michigan, but they have eleven satellite offices, called Core Service Centers, across the country.
Products are sold through their Partners for Success group of independent agents, selected by the company for their knowledge of commercial insurance products and the industries Amerisure insures.
All of the company’s products are commercial in nature, and many are quite specific to contractors, manufacturing, or healthcare.
Amerisure’s first product, they continue to offer policies to companies in their niche area of service. They use a Managed Care approach to handling worker’s comp that includes Nurse Case Managers and Pharmacy Benefits Managers.
Commercial Package Policies
Amerisure’s Command Coverage is a package policy that can be customized to suit the needs of any particular business. The package includes enhancements such as mechanical breakdown coverage, broad computer coverage, utility services, and a variety of inland marine coverages.
The Contractor’s Advantage program is a package policy aimed at contractors. It can be tailored to meet specific needs with a long list of available options, including commercial auto, several liability options, pollution reimbursement, and repair and rework indemnification. The package can also include Worker’s Compensation.
A similar package policy is available for Manufacturing; the Manufacturer’s Advantage program has some similar coverage and some different. Specific to this niche are options like product recall coverage and manufacturers/processors specifications coverage.
Two Pollution endorsements are offered and can be added on to any of the commercial package policies.
Like many commercial insurance companies, Amerisure offers risk management services. These include on-site evaluations and training, safety assessments, and accountability programs.
They investigate and analyze on-site accidents to help companies work towards prevention of future incidents.
Online quoting is not offered on Amerisure’s website, which is not uncommon for commercial insurance.
Due to the complex and varied nature of this kind of product, quotes are best obtained by speaking with an agent directly. Amerisure does provide an agent locator service on the website to help connect potential customers with one of their carefully selected agents.
Claims can be reported online as well as by email, phone, or fax. Various regions have different claims phone numbers that allow the customer to connect with the nearest office and obtain local assistance with the claim.
Claim kits are available online through the website, listed by state to provide specific information.
Amerisure’s Advocate claims service is designed to connect with the people involved in the claim, generally employees, and ensure a smooth and fast resolution. As mentioned above, Worker’s Comp claims are handled with a Managed Care team that help to provide access to medical services and ensure that the employee is ready to return to work and all bills are handled appropriately.
Ratings and Consumer Reviews
The Better Business Bureau (BBB) gives Amerisure an A+ rating, with no complaints or reviews listed on the page in the past three years.
Not surprisingly, we were unable to find much in the way or reviews or complaints anywhere for this company. Businesses often handle issues and complaints with their insurance company through channels other than online complaints, so we frequently find little to no information in terms of customer opinions of the company online.
The Bottom Line
Amerisure has a long history and a proven track record in the industries they cover. Their products are very specific to those industries and may not be available from all other commercial insurance companies. We found no red flags in terms of their reputation, but we do recommend speaking to an agent that knows the needs of your specific company before selecting this or any other commercial policy.
For a list of companies that we recommend, visit our Best Insurance Companies page.