Amerisure Insurance Company: Property, Liability, Workers’ Compensation Solutions.

Amerisure Insurance Company, a leading provider of commercial property and casualty insurance solutions for U.S.-based construction, manufacturing, and healthcare businesses, operates in all fifty states.

It offers its services through an exclusive network of elite independent agents and maintains an “A” (Excellent) financial strength rating.

Amerisure also boasts industry-leading service scores and has earned multiple awards for innovation.

Amerisure Insurance Company

With over 110 years of experience in the business, the company consistently garners recognition as one of the best places to work in the industry nationwide.

Corporate Headquarters

26777 Halsted Road
Farmington Hills, MI 48331-3586
(800) 257-1900

Amerisure Insurance Company coverage

  1. Workers’ Compensation Insurance, which provides coverage for employees injured on the job.
  2. Commercial Liability Insurance, offering protection against bodily injury or property damage claims.
  3. Property Insurance, covering physical asset loss due to incidents like fire, theft, or natural disasters.
  4. Commercial Auto Insurance, designed for business-owned vehicles, such as cars, trucks, and vans.
  5. Umbrella Insurance, extending liability coverage beyond underlying policies.
  6. Cyber Liability Insurance, safeguarding businesses from losses due to cyberattacks and data breaches.

Scope Of Amerisure Insurance Company’s Property Insurance coverage

Amerisure Insurance Company’s Property Insurance coverage has a broad scope, encompassing various assets and protection against different perils.

Coverage Scope:

  • Amerisure’s Property Insurance covers a wide range of assets, which includes:
    1. Buildings: This includes office spaces, warehouses, manufacturing facilities, and other structures owned or leased by the insured business.
    2. Contents: This includes furniture, machinery, raw materials, finished products, and other tangible assets crucial for the business’s operation.
    3. Equipment: This extends to machinery and equipment vital to the business’s operations, like manufacturing machines, computers, and specialized tools.

Protection from Perils:

  • Property Insurance offers protection against various perils, including:
    1. Fire and Smoke Damage: Coverage for damage from fires and smoke, whether accidental or due to arson.
    2. Theft and Vandalism: Protection against theft, burglary, and property vandalism.
    3. Natural Disasters: Coverage for damage resulting from natural disasters such as earthquakes, floods, hurricanes, tornadoes, and storms. Coverage specifics may vary based on location and policy terms.
    4. Accidental Damage: Coverage for accidental damage, such as water leaks damaging property or machinery.

Valuation Methods:

  • Property Insurance policies typically employ different valuation methods for assets:
    1. Actual Cash Value: This considers the current market value of the property, accounting for depreciation. The payout reflects the property’s value at the time of the loss.
    2. Replacement Cost: This method covers the cost to replace or repair damaged property at current market prices, without accounting for depreciation, often resulting in higher payouts.

Optional Coverages:

  • Amerisure offers various optional coverages that businesses can customize to their specific needs.
  • These may include coverage for valuable papers and records, business interruption, extra expenses, and more.

Deductibles and Premiums:

  • The cost of Property Insurance depends on factors like the property’s value, chosen coverage limits, the deductible (the amount the insured pays before insurance coverage activates), and the property’s location.
  • Lower deductibles typically result in higher premiums.

Risk Assessment:

  • Amerisure typically conducts a risk assessment to evaluate the risk associated with the insured property and the business’s operations.
  • This assessment helps determine appropriate coverage limits and premiums tailored to the specific situation.

Filing a property insurance claim with Amerisure Insurance Company

To file a property insurance claim with Amerisure Insurance Company, follow these steps:

  1. Prompt Contact:
  2. Provide Detailed Information:
    • When reaching out to Amerisure, be ready to furnish essential information, including your policy number, incident date, time, location, and a thorough description of the damage or loss.
    • Include relevant photos or documentation if available.
  3. Emergency Mitigation:
    • Take immediate actions to prevent further damage or loss, provided it’s safe to do so.
    • This might involve temporary repairs or securing the property.
    • Keep records and receipts of expenses incurred during this process, as they could be reimbursed.
  4. Amerisure’s Claims Adjuster Visit:
  5. Cooperate with the Investigation:
    • Amerisure may conduct an investigation to determine the cause and extent of the damage.
    • Collaborate by supplying necessary documentation, such as maintenance records or witness statements.
  6. Estimation of Damage:
    • The claims adjuster will estimate the repair or replacement cost, based on policy terms and their assessment.
    • You may receive a detailed written estimate.

Further Claim Steps

  1. Review Your Policy:
  2. Claim Approval and Payout:
    • After the claims adjuster’s investigation and damage estimation, Amerisure will review the claim and determine approval.
    • Upon approval, they will issue a payout.
    • The payout amount depends on your policy and deductible.
  3. Property Repair or Replacement:
    • With the approved claim payout, proceed with repairing or replacing the damaged property.
    • Maintain records of all expenses and receipts related to the repair or replacement.
  4. Claim Resolution:
  5. Follow-Up:
    • As a best practice, follow up with Amerisure after claim resolution to confirm that all necessary documentation and payments have been processed to your satisfaction.


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