A Premier Workers' Compensation Company

Applied Underwriters® is a pioneer in the field of financial services and workers’ compensation. We offer integrated
solutions that focus on fulfilling the real needs of employers. Our products are unique in the market, which means that Applied Underwriters is not only the leader in the field of integrated workers’ compensation solutions – we are the only ones in the field.

Since our inception, we have reliably and profitably grown, doubling annually in customers and revenue. With thousands of loyal customers, Applied Underwriters has consistently demonstrated that the best way to serve customers is to understand their business and their needs, and then to provide superior customer support – support that is personalized, thorough, and always there when our customers need it. The result is that Applied Underwriters enjoys a retention rate that would be the envy of any company in any industry.

Applied Knowledge Means Smarter Solutions


A Different Approach to Underwriting
The Applied Underwriters approach to underwriting is diligent, focused, and personalized. This diligence stems from the integration that lies at the heart of Applied Underwriters. Because Applied Underwriters delivers business services that are continuous in scope and integral to the customers’ day-to-day operations, our underwriters are in the unique position of being able to understand customers and their exposures and to respond to ever-changing circumstances as they arise.

Integrated Solutions
While other companies have tried to expand their offering by cross-selling diverse vendors as a marketing tactic, only Applied Underwriters offers fully integrated solutions. In every Applied Underwriters product, all the components – from employer coverages to employer-related business services – are seamlessly integrated into one solution. We never outsource. At Applied Underwriters, we pride ourselves on our demonstrated expertise in all areas included in our solutions, from underwriting workers’ compensation coverages to processing payroll to insuring employment practices liability.

Filling Real Needs
We apply our breadth of industry-specific knowledge to creating solutions that are designed with our customers’ real needs in mind. From easy-to-use payroll processing to behavior-based risk management to flexible financing options, our solutions are designed to work with a customer’s business, to help it excel. Our suite of solutions is designed to meet the real needs of companies of different sizes and different industries.

Unparalleled Reliability
At Applied Underwriters, we are there for our customers when they need us. That is why our customer service earns recognition year in and year out. In addition to having a dedicated team of experts who know their particular business issues, our customers receive online support that is truly useful. There, customers can generate certificates, download relevant safety training modules, track the status of a claim, and even read an adjuster’s actual notes. We provide such thorough support because we believe that superior service means superior customers who will turn to us year in and year out for their needs. We pride ourselves on enjoying long-term relationships with our customers.