Helping governments, businesses, and people manage uncertainty

Join us on our journey to innovate transformative ideas

Applied’s story starts with workers’ compensation insurance. We took a difficult, heavily regulated line of insurance, made it our singular focus, and made it better. We did this by first learning its intricacies and the very real human risk it addresses. We then used that insight to help our customers better manage their risk. This pattern of deep study, considering the human side of risk, seeing opportunities where others see obstacles, and educating customers carried us to new product lines, new challenges, and a global collective of loyal customers and partners.

Our mission

We guide governments, businesses, and people through financial risk by applying unconventional thinking to the conventional tools of insurance, reinsurance, investing, and business services. Digging deeper, applying technology and analytics, finding profitable avenues through even the toughest risks—we help our customers and partners manage uncertainty so they can push confidently toward their highest aspirations.

Our values

From building an entire nature conservatory and sustainability-minded community around our new headquarters, to bringing a struggling U.S. industry back to life, to finding new ways to effectively insure earthquakes and wildfires, Applied always thinks big. That’s how we attract top talent and give them the space to do their best work for our customers and partners. They live our core values every day:

Sustainability and human connection
Insurance teaches respect for the natural world—its power and fragility—and it is inextricably linked to the human story behind every risk. Applied takes those lessons to heart and applies them to every new venture we take on.

Knowledge sharing
From the first year we published our Workers’ Compensation Almanac—now in its 7th edition—we’ve embraced the idea of helping our partners and customers understand risk so they’re in a better position to manage it.

Building trust through strong financials
We see disciplined financial strength as a core value since, without it, we can’t build customer confidence. Applied’s insurance companies became the first monoline workers’ compensation writer to receive an A+ (Superior) rating from A.M. Best Company in 2011.

Our global expansion

A natural progression of Applied’s greatest strength—applying risk financing and management techniques that improve the socioeconomic development of communities—is to expand our capabilities around the globe. Venturing into sovereign finance and risk transfer brings to governments everywhere our creativity and ability to connect people and capital. With our guidance and vast global resources, governments find unimagined ways to create growth, opportunity, and better lives for their citizens.

Applied Underwriters Campus - Omaha, Nebraska

News and Press

See the latest news and press releases from Applied Underwriters, the industry's leading provider of business insurance. For more information email

Recent Press Releases

June 10 2020

AM Best Affirms North American Casualty Group Companies’ Ratings

Ratings issuer AM Best affirmed the Financial Strength Rating of ‘A’ (Excellent) of five Applied Global companies collectively referred to as North American Casualty Group (NAC).

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June 05 2020

Applied Underwriters Acquire Blues Ridge of South Carolina

Blue Ridge Specialty Group of Greenfield, South Carolina, a managing general underwriter specializing in trucking-related risks, has been acquired by Applied Underwriters, Inc., according to Applied Founder, Chairman, and CEO Steve Menzies.

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April 15 2020

Omaha Business Leader Provides Medical Supplies To CUMC-Bergan Mercy Hospital To Bolster Covid Readiness

Applied Underwriters, Inc., makes a substantial contribution to help Creighton University’s Medical Center assist with staff and patients affected with the virus.

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April 03 2020

Applied Underwriters to Buy Florida-based Insurer

Applied Underwriters has agreed to buy Florida-based insurer Centauri Insurance Co., a unit of Centauri Specialty Holdings that offers commercial and personal lines property/casualty coverage.

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April 03 2020

A really big hole is dug in west Omaha for Applied Underwriters' 1,057-space underground parking garage

Applied, the driver and primary owner of Heartwood Preserve, will also be a corporate anchor with its campus that’s to span about 50 acres.

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October 16 2019

Applied Underwriters Founder, Steve Menzies, Acquires Insurance Companies From Berkshire Hathaway In $920mm Transaction

Applied Underwriters and its subsidiary North American Casualty Co. have been acquired by Applied Underwriters founder Steve Menzies, who was joined in the acquisition by the Quasha Group led by Quadrant Management.

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September 25 2019

Applied Underwriters Celebrates Work on Heartwood Preserve Development, touts Natural Features

Hundreds of Applied employees attend dedication ceremony on location of future campus, as state-of-the-art building to accommodate up to 2,000 employees.

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September 21 2019

Applied Underwriters Sets Official Dedication of Heartwood Preserve, a 500-Acre Mixed-Use Development in West Omaha

Applied Underwriters, owner and developer of Heartwood Preserve announces the opening of one of the largest urban developments in the United States.

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April 09 2019

Applied Underwriters’ Steve Menzies Honored with Frank J. Guarini Award

Annual Gala Event Celebrates Leaders in Public Affairs, Business, and Education.

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January 05 2019

Applied Underwriters Launches “Great Minds” Lecture Series

Company to Sponsor Innovative Speaker Series for KANEKO, Omaha’s Arts & Culture Organization.

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April 23 2018

CMSV’s Top Award to Applied’s Steve Menzies

Insurance Industry Leader Awarded by New York’s College of Mount Saint Vincent

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Contact Us

If you have any questions or comments regarding our products, services, or company, please contact us at:

For Customer Service

Call: (877) 234-4420
Write: P.O. Box 3646, Omaha, NE 68103

For Sales & Marketing

Call: (877) 234-4450
Write: P.O. Box 281900, San Francisco, CA 94128

COVID-19 Service Alert

If your business has been impacted by COVID-19, we are ready to assist you. Please contact customer service and let us know how we can help. To learn more, click here.


©2020 Applied Underwriters, Inc. Rated A (Excellent) by AM Best. Insurance plans protected U.S. Patent No. 7,908,157