Appetite Guide


We need the following to consider a risk:

  • An Acord Application
  • Three to five years of loss runs
  • Current MOD worksheets if applicable *depending on the nature of the risk, we may be able to consider insured’s with fewer than 3 years of loss history or even those with no prior coverage.

Please submit your risk to and one of our new business team members will reach back out to you.

Workers Comp Markets & Appetite Guide


  • At least one full-time observed employee
  • Some industries will require 3 years of prior coverage
  • No heights over 15 feet


  • Main Street business – such as law offices, retail shops, banks, doctor’s offices, and insurance agencies
  • Precision Machining/Light Manufacturing
  • Auto repair/sales
  • Restaurants, fast food and sports bars
  • Religious Organizations
  • Convenience Stores
  • Landscaping
  • Artisan Contractors – such as heating and air, plumbing, and electrician


  • minimum of 10k in premium
  • 3 years prior coverage
  • Pre-quote safety inspection
  • No height restrictions


  • Agriculture
  • Construction
  • Manufacturing
  • Roofing
  • Trucking
  • Maritime
  • Oil and Gas
  • Garbage Collection
  • Telecom


  • minimum premium of $5,000
  • minimum total payroll of $1,000
  • 3-5 years of loss history
  • 5 years of historical payroll and premium


  • Applied is willing to consider all risks that meet their minimum requirements



  • No heights over 30 feet
  • Low claim frequency
  • Premium less than $75,000


  • Small trucking companies
  • Roofers
  • Contractors
  • Landscaping including tree removal

Other Commercial Lines Markets and Appetite Guide

**We must also write the workers comp policy to write additional lines of coverage**
Lines of Business

    • BOP
    • Package
    • EPLI
    • GL – Artisan Contractors



  • Main Street Business
  • Restaurants
  • Churches
  • Banks
  • Lines of Business
    • BOP
    • Package
    • LOR – with Cannabis tenants
  • Appetite – Cannabis Industry risks only
    • Retail
    • Growers
    • Consultants

Need to talk to a real person? No problem, call and talk to a professional that listens.

(405) 879-0155