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The American Equity Underwriters, Inc. The American Equity Underwriters, Inc.

Your People are Our Passion

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 our members can rest assured their unique exposures are being handled by experts. 


Our underwriters creatively tailor programs to meet members’ needs. We value safety and reward members that make it a priority. Unlike other USL&H providers, we use individual performance to determine our members’ rates.

Flexible Underwriting

We encourage members to improve performance through an open dialogue and practical safety recommendations. We show our members how we determine their rate so that they have more power to improve performance and potentially reduce costs. 

Loss Divisor

Unlike other providers, we hold members accountable for their own performance rather than being “stuck” at a guaranteed cost or held responsible for claims of other members who aren’t performing as well. And since rate calculations are based on an individual member’s 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

AEU claims specialists handle no more than 85 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. York Claims Expert (YCE) is a secure, confidential system that allows employers to view claims details, identify accident 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, accident prevention training, mock OSHA inspections, analyses of accident 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 BenchmarkTM 

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 benchmark against industry peer groups, the ALMA membership, and a member’s 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.



Value-added services

Committed to Your Success

Whether it’s providing real-time access to account performance metrics through our AEU CompassTM dashboard, working with members to build stronger safety cultures through our AEU LEADTM program, or engaging our ALMA Member Advisory Council to better understand the needs of members - we’re committed to your success.

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