AMERISAFE Insurance Review & Ratings (2023)

Amerisafe Insurance is a leading provider of workers’ compensation insurance for employers in high-risk industries. With competitive prices, a range of discounts, and comprehensive coverage options, Amerisafe is an excellent choice for businesses seeking to protect their employees and their bottom line.

This article will explore the history and mission of Amerisafe Insurance, its main products and services, the cost of those services, and the states where they are offered.

Amerisafe Insurance:

• Offers workers compensation insurance for high-risk industries
• Offers competitive prices and a range of discounts
• Operates in 33 states

Amerisafe Insurance is a leading provider of workers’ compensation insurance for employers in high-risk industries. The company was founded in 1986 with a mission to serve the needs of businesses in these industries, who often have difficulty finding affordable insurance coverage.

Today, Amerisafe operates in 33 states, offering comprehensive workers’ compensation insurance to protect both employees and employers.

History and Mission of Amerisafe Insurance

Amerisafe was founded in 1986 in DeRidder, Louisiana. The company was established with the mission to serve the insurance needs of employers in high-risk industries, who often face difficulty in finding affordable insurance coverage.

Over the years, Amerisafe has expanded its services to 33 states, becoming a leading provider of workers’ compensation insurance.

The company remains committed to its original mission, providing businesses with the coverage they need to protect their employees and their bottom line.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

Auto Home Health Life Business Motorcycle Medicare Rental

 Secured with SHA-256 Encryption

Products and Services: What does Amerisafe Insurance offer?

Amerisafe Insurance offers a range of products and services designed to meet the needs of high-risk industries, including:

• Workers compensation insurance: This coverage provides financial protection for employees who are injured on the job.amerisafe offers a variety of workers’ compensation insurance options, tailored to meet the needs of businesses in different industries.
• Safety services: Amerisafe provides a range of safety services to help businesses reduce the risk of workplace accidents and injuries, including loss control and safety management programs.
• Claims management: The company offers claims management services designed to streamline the process of handling worker’s compensation claims. This includes prompt payment of claims and ongoing support to ensure that employees receive the medical care and rehabilitation they need to return to work as quickly as possible.
• Online services: Amerisafe provides online services to help businesses manage their insurance coverage, including policy management, certificate of insurance issuance, and loss run reporting.

The cost of Amerisafe’s products and services varies depending on the specific coverage and services selected, as well as the size and industry of the business.

The company’s services are offered in 33 states across the U.S.

Cost of Services: How much does Amerisafe Insurance cost?

The cost of Amerisafe Insurance will depend on the specific coverage you are interested in, as well as various other factors such as the size of your business, the industry you are in, and your location.

Workers’ compensation insurance is critical coverage for businesses in high-risk industries, and the cost of this coverage is determined by several factors, including:

• Classification code: The classification code is assigned based on the type of work performed by your employees. The higher the risk associated with the work, the higher the premium will be.
• Payroll: The cost of workers’ compensation insurance is usually calculated based on the payroll of your business. The higher your payroll, the higher the premium will be.
• Claims history: If your business has a history of workplace accidents and injuries, the cost of your workers’ compensation insurance may be higher.
• State regulations: The cost of workers’ compensation insurance is regulated by each state, and the rates can vary significantly from state to state.

In addition to workers’ compensation insurance, Amerisafe also offers a range of other insurance products and services, including safety services, claims management, and online services.

The cost of these additional services will also depend on the specific coverage and services selected, as well as the size and industry of your business.

Areas Where Amerisafe Insurance is Available

Amerisafe Insurance provides workers’ compensation insurance coverage and related services to businesses throughout the United States. The company provides its services to employers in various industries, including construction, logging, trucking, and healthcare, among others.

Amerisafe is licensed to do business in multiple states across the country, including Alabama, Arizona, California, Georgia, Louisiana, Mississippi, Nevada, New Mexico, Oklahoma, South Carolina, Tennessee, Texas, and Wyoming.

If you’re looking for Amerisafe Insurance in your area, there are a few ways to find a local representative or agent:

• Visit Amerisafe website: The company’s website has a “Contact Us” page where you can find information on how to reach Amerisafe customer service team or find a local agent.
• Use the Amerisafe agent locator: On the website’s “Contact Us” page, you’ll also find a link to the Amerisafe Agent Locator tool. This tool allows you to search for a local agent by entering your zip code or city and state.
• Call Amerisafe customer service team: You can also reach Amerisafe customer service team by calling (888) 592-5696. The team can help you find a local agent or answer any questions you may have about Amerisafe products and services.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

Auto Home Health Life Business Motorcycle Medicare Rental

 Secured with SHA-256 Encryption

Amerisafe Insurance Discounts Available

You can save on your insurance coverage with Amerisafe Insurance in several ways, including:

• Safety programs: Amerisafe offers safety programs designed to help businesses reduce the risk of workplace accidents and injuries. By participating in these programs, you may be able to lower your workers’ compensation insurance premium.
• Claims management: Amerisafe’s claims management services are designed to streamline the process of handling workers’ compensation claims. By utilizing these services, you can help to reduce the number of claims and lower your overall insurance costs.
• Policy discounts: Amerisafe offers discounts on its insurance coverage for policyholders who purchase multiple policies. For example, if you purchase both workers’ compensation insurance and safety services from Amerisafe, you may be eligible for a discount on your premium.
• Experience modification factor (EMR): Your experience modification factor (EMR) is a measure of your business’s claims history and is used to determine your workers’ compensation insurance premium. By improving your EMR through safety programs and claims management, you may be able to lower your insurance costs.

Amerisafe Insurance Customer Reviews

Amerisafe Insurance has a history of providing quality workers’ compensation insurance coverage and related services to businesses across the United States.

While many customers have praised the company for its responsive customer service and knowledgeable claims representatives, others have reported issues with the company’s claims process and customer service.

Positive Reviews:

• Responsive customer service: Many customers have praised Amerisafe Insurance for its prompt and helpful customer service. They report that representatives are quick to respond to inquiries and are knowledgeable about the company’s products and services.
• Focus on workplace safety: Some customers appreciate Amerisafe’s focus on workplace safety and the various services and programs offered to help reduce the risk of workplace accidents and injuries. This emphasis on safety helps many customers feel more confident about their coverage and the company’s commitment to their well-being.
• Ease of use: Many customers have reported that Amerisafe Insurance’s online portal and mobile app are user-friendly and easy to use. This makes it easy for customers to access their policy information, make changes to their coverage, and submit claims.

Negative Reviews:

• Delays in processing claims: Some customers have reported delays in the processing of their claims. They report that it takes a long time for claims to be approved and that they often have to follow up multiple times to get a resolution.
• Coverage disputes: Some customers have reported disputes with Amerisafe Insurance over the amount of coverage provided. They report that the company has denied claims or only partially approved them, which can be frustrating and stressful.
• Long wait times on the phone: Some customers have reported long wait times when trying to reach customer service by phone. They report that they have been put on hold for extended periods and that they sometimes have trouble reaching a representative.

In conclusion, customer reviews of Amerisafe Insurance are mixed, with some customers praising the company’s responsive customer service and focus on workplace safety, while others report issues with the claims process and customer service.

In Review: Amerisafe Insurance

Amerisafe Insurance is a provider of workers’ compensation insurance and related services, serving businesses across the United States.

The company offers a range of products and services, including coverage for workplace accidents and injuries, as well as safety programs and services to help reduce the risk of such incidents.

Customers can access their policy information, make changes to their coverage, and submit claims through the company’s user-friendly online portal and mobile app.

Before purchasing insurance from Amerisafe, it is recommended that you review multiple customer reviews and consider speaking directly with a representative from the company to learn more about its services and coverage options.