Insurance Services

Insurance

AmeriHealth Casualty provides affordable workers’ compensation insurance to fully-insured employers in Pennsylvania, New Jersey, and Delaware. We offer one of the lowest Loss Cost Multipliers available, along with discretionary credits of up to 25 percent. And we provide you with the comfort of knowing your clients are working with a company of solid financial strength and a proven track record of performance, as our insurance products are underwritten by AmTrust Financial Services, Inc.

AmeriHealth Casualty is the total workers’ compensation solution. We offer more than claims services ’ we can also help with medical management, loss prevention, and finding quality health care for employees.

We feature an experienced staff of underwriters who average more than ten years in the industry, and specialize in workers’ compensation. Submissions are turned around quickly by our staff, and employers can typically expect to receive their policy in less than 14 days. We write companies that demonstrate a willingness to post a panel, cooperate with light-duty work programs, and fully comply with our safety and loss-prevention recommendations. We specialize in providing coverage for the following industries:

  • food products manufacturing
  • public administration
  • metal goods manufacturing
  • plastics/rubber goods manufacturing
  • retail trade
  • wholesale trade
  • retirement life communities
  • social services (nonprofit)
  • hospitality
  • schools
  • and many more

Our senior management and underwriting staff are easily accessible to consult on a variety of industry accounts. We provide personal attention and assessment of each account, enabling us to better process quotes.

Choose From One of Our Flexible Product Offerings

Guaranteed cost

Guaranteed Cost is a payment method in which a premium is based on your company’s size and risk. You pay one set premium decided at the beginning of the policy year. This premium won’t change despite any losses and we will cover all incurred losses.

Large deductibles

With Large Deductibles, you are charged a reduced premium in return for paying losses up to a specific amount. Then, you fund an account to pay for losses. You are responsible for reimbursing AmeriHealth Casualty for claims up to a certain dollar amount and we will pay claims that are in excess of that amount.

Retrospective plan

A Retrospective Plan is a cost-plus program based on actual losses incurred during the policy term. A retro premium is calculated based on a minimum and maximum amount that you can be subject to pay. The retro premium is then compared to the policy premium and you either receive a return or must pay AmeriHealth Casualty more premium.

Captives

Captives are offered through our Alternative Risk Transfer Program. A captive creates a privately held insurance company that provides insurance to and is controlled by its owners.