Amelia Underwriters Insurance Company Review

Amelia Underwriters at a Glance

Amelia Pros: Amelia Underwriters is a wholesale insurance broker that has been in business for over thirty-one years. Dedicated to the independent insurance agency distribution system. Online quoting, underwriting, binding, and policy issuance system for a wide breadth of commercial and personal lines products. Full “offline” brokerage markets available for quoting, as well. Experienced underwriters. Online payments accepted.

Amelia Cons: Not a BBB accredited business nor rated by AM Best.

What Type of Insurance Does Amelia Underwriters Offer?

Amelia Underwriters offers a broad range of personal and commercial insurance solutions for hard-to-place risks. Their products include the following.

This list of insurance products available from Amelia Underwriters is not exhaustive. Your independent insurance agent can help you decide if Amelia Underwriters can help you find the coverage you need for your hard-to-place home or business.

Using our insurance company directory can help you find the best insurance companies that specialize in your specific coverage needs. The company directory can also help you get connected to an agent near you.

What to Know about Amelia Underwriters

Amelia Underwriters is a wholesale insurance broker. The company is family owned and operated and has been in business for over 30 years. According to IRMI, a wholesale insurance broker acts as an intermediary between a retail broker and an insurance carrier. Wholesale insurance brokers rarely have direct contact with the insured; rather, the retail broker will manage that relationship and will sell the insurance to the client. Wholesale brokers often have special expertise in certain lines of coverage that may be unusual. They may also have greater access or influence with certain insurance markets that most retail agents or brokers do not have. This makes wholesale brokers important for customers with hard-to-place risks.

In the US, the majority of wholesale insurance brokers work with non-admitted, surplus lines carriers that are not licensed by the individual states and therefore have more flexibility to offer unique, specialty products and more freedom in pricing.

The company’s mission is to simplify writing insurance through its “Virtual Underwriter” system that allows independent agents to rate, quote, and bind various lines of insurance coverage 24-hours-a-day. Amelia Underwriters also provides insurance solutions in the more traditional way via submissions to its office.  

What Discounts Does Amelia Underwriters Offer?

Amelia Underwriters does not make public any information about discounts or savings opportunities.

An independent insurance agent can help you learn more about discounts you may receive when working with Amelia Underwriters.

Amelia Underwriters Customer Service

Amelia Underwriters offers the following contact options.

If your independent insurance agent has placed your policy with Amelia Underwriters, the best way to get customer service is by contacting your agent.

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Amelia Underwriters FAQ

What is Amelia Underwriters’ average claim response time frame?

Amelia Underwriters works with various insurance carriers and therefore does not publish any specific claims response time on its website.

What is Amelia Underwriters’ customer service availability?

Amelia Underwriters offers customer service by phone, fax, or email. Most customer service should be obtained by contacting your independent insurance agent.

What is Amelia Underwriters’ claims process?

Amelia Underwriters does not publish a claims process. Claims should be initiated via your independent insurance agent.

Does Amelia Underwriters create a user-friendly experience for customers?

Amelia Underwriters acts as an intermediary between independent agents and brokers and their clients. For that reason, most of the information online is geared toward the retail broker. The company’s website is easy-to-navigate and offers a wealth of information about products and specialty programs. It also offers the “Virtual Underwriter” service that allows retail brokers to rate, quote, and bind certain types of coverage 24/7. All Risks also has a presence on LinkedIn and Twitter.

Does Amelia Underwriters have good business insurance?

Amelia Underwriters offers a variety of commercial insurance products for specialty industries or hard-to-place risks.

Is Amelia Underwriters a good insurance company?

Amelia Underwriters is a reputable and stable wholesale insurance broker. In its role as an intermediary between independent insurance brokers and their clients, it plays an important role in helping customers with unique or hard-to-place risks get the coverage they need. The company offers expertise in certain products and specialty lines of insurance that allows retail brokers to bring the highest level of coverage and service to even their most unique clients.

Amelia Underwriters Customer Reviews

Customer reviews regarding Amelia Underwriters could not be found.

TrustedChoice.com's Final Review

Founded over 30 years ago, Amelia Underwriters is an independent wholesale brokerage firm offering comprehensive commercial and personal insurance solutions for specialty and hard-to-place risks in 29 states. The company’s mission is to simplify writing insurance through its “Virtual Underwriter” system that allows independent agents to rate, quote, and bind various lines of insurance coverage 24-hours-a-day. Amelia Underwriters also provides insurance solutions in the more traditional way via submissions to its office. 

Customer reviews are hard to find mostly because customers are kept at arms-length with the retail broker being the primary point of contact for most. Amelia Underwriters notes that for many of its products, the carrier is rated A (excellent) by AM Best. The company states that it is dedicated to the independent agency distribution system.

We award Amelia Underwriters a final rating of 4.0 out of 5 stars. If you have a specialty risk or a hard-to-place home or business, we recommend finding out more about Amelia Underwriters by working with your independent insurance agent.

What’s more, you can use our national company directory to find the best insurance companies to meet your needs. The directory can help you find companies that specialize in your specific coverage needs and get connected to an agent near you.