Applied Underwriters

What began in 1994 as a focused endeavor in workers' compensation insurance has blossomed into a global risk services firm with a reputation for unconventional thinking and financial fortitude. Applied Underwriters embarked on its journey by immersing itself in the complexities of a challenging and highly regulated insurance sector. The company's founders, Steve Menzies and Jamie Sahara, didn't just want to sell policies; they aimed to deeply understand the human element behind the risk. This empathetic approach, combined with rigorous study, allowed them to develop innovative solutions that empowered their customers to manage risk more effectively. This foundational principle of deep inquiry and customer education became the blueprint for their expansion into new product lines and international markets, attracting a loyal following of clients and partners across the globe.

The narrative of Applied Underwriters is one of continuous evolution and ambitious expansion. From its initial concentration on workers' compensation, the company has broadened its expertise to encompass a wide array of insurance and reinsurance solutions, including financial lines, aerospace, and environmental liability. A pivotal moment in their story was achieving an A+ (Superior) rating from AM Best in 2011, a testament to their disciplined financial strength and commitment to building customer confidence. This financial stability has fueled their global expansion, allowing them to venture into sovereign finance and risk transfer. Today, Applied Underwriters operates from its headquarters in Omaha, Nebraska, with a significant presence in the US, UK, Europe, and the Middle East, guiding governments and businesses through financial uncertainty and helping them achieve their highest aspirations. Their journey is a testament to the power of seeing opportunities where others see obstacles and a relentless drive to innovate within the traditional frameworks of the financial world.