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The American Equity Underwriters, Inc. The American Equity Underwriters, Inc.
Workers' compensation

We’ve worked to protect the interests of our members for more than 20 years. With a history rooted in maritime, we are keenly aware of the challenges faced by waterfront employers and have carefully built services and teams to directly meet those needs. 

Longshore is our specialty, so waterfront employers and their brokers can rest assured their unique exposures are being handled by experts. 


We creatively tailor programs to meet members’ needs, and ensure they are awarded rates that accurately reflect their individual performance.

Performance-Based, Transparent Approach

Our underwriters engage in transparent, open dialogue with members and brokers about how their unique exposures, claims, and safety culture factor into the rating of their account. By showing our members how we determine their rate, they have more power to improve performance and potentially reduce costs.


Loss Divisor

For members with larger premium contributions, we offer a unique product that allows them to pay premium on their actual loss performance for the year. Since this results in a rate calculation based on individual performance, there are real opportunities for them to control the bottom line.



When an employee is hurt on the job, we understand the importance of getting them back to work.  Our dedicated team of claims specialists resolve claims quickly and efficiently, and our members appreciate the resulting low loss ratios and competitive rates.

Low Claims Caseloads

A slow, complicated claims process can be a pain point for both employers and brokers. Our claims specialists handle no more than 75 cases at a time — less than half of the industry standard — so that they can fully focus on taking care of our members. They maintain regular communication with employers, injured employees, and medical providers to resolve claims quickly and effectively.


In-House Claims Handling

When claims are outsourced to a third party, they become a source of revenue for the provider. At AEU, we handle claims in-house so our focus remains on achieving the best possible outcome for our members, not boosting profits. Whether a policy is covered under USL&H, State Act, or MEL, you can be confident that you’ll have one dedicated AEU claims specialist handling jurisdictional issues and negotiations. 


Online Claims Management System

Members have access to real-time claims information through an online claims management system, empowering them to be active participants in the claims process. Our system is secure and confidential, allowing employers to view claims details, identify incident trends, and implement control measures.


Dedicated Medical Management Team

AEU's dedicated medical management team works with members to drive down critical claims costs while ensuring a higher quality of care for employees through a holistic approach to claims handling.

Loss Control

We’re committed to help members keep employees safe. Our loss control specialists work closely with members to improve their safety programs and protect their employees.

Individualized Loss Control Support

Our members benefit from individualized loss control inspections, safety program reviews, incident prevention training, mock OSHA inspections, analyses of incident trends, and web-based safety resources — just to name a few. AEU's loss control managers have extensive experience and use their first-hand knowledge to help members make smart safety decisions. 


AEU Safety Benchmark®

We care about our members’ safety — so much so that we’ve created a way to quantify it. Our proprietary AEU Safety Benchmark serves as a performance metric comparing the member to industry peer groups, the ALMA membership, and their own history. With information on how their Safety Benchmark was determined, members are empowered to improve by creating a safer workplace.


Member-Exclusive Online Safety Resources

Our members benefit from valuable safety resources available on our members-only website. These tools are intended to help build stronger safety programs for organizations of all sizes. 


AEU Safety Award Program

AEU makes it a point to celebrate a commitment to safety. The AEU Safety Awards have become a competitive and coveted industry-wide award program.


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