Find carrier appetite without digging through broker portals.

1859 Mutual is an Ohio-only mutual property carrier focused on personal property business written through local independent agents. Current public guidance show...

No current underwriting or producer appetite guidance for new Commercial Auto business was found. The official carrier site indicates 1st Auto & Casualty Insura...

Verified official producer-facing guidance is limited. CSAA Insurance Group presents itself as a personal-lines carrier offering homeowners, auto, and other per...

No active underwriting or producer appetite guidance is currently published because ACCC Insurance Company is in liquidation and is no longer writing new busine...

Verified current official site is Chubb U.S. For the requested lines, the only clearly published official underwriting/appetite-style guidance found is Chubb’s...

AIG’s current personal lines high-net-worth home offering is presented through Private Client Select (PCS), which AIG identifies as the access point for AIG Pri...

AIG Premier Client Solutions appears to market through AIG Private Client Group resources for affluent/high-net-worth personal risks rather than a public-facing...

AIG Private Client is positioned as a high-net-worth personal lines market offering custom-built homeowners coverage for exclusive homes, including suburban, co...

No official carrier-facing underwriting, appetite, broker, or producer submission guide was verified on the public Acceptance website. Current published guidanc...

No current official underwriting, appetite, producer, broker, or submission guidance could be verified for Access Insurance Company. The carrier appears inactiv...

Accident Fund is a workers’ compensation-focused carrier. Official agent-facing submission guidance currently verified is through AFXpress, its small business/w...

Verified official underwriting guidance located was limited and primarily workers’ compensation-specific rather than a broad all-lines appetite guide. Acuity pu...

Verified current producer-facing guidance is published through Aegis Easy, Aegis General’s property platform. For Home, Aegis presents itself as a national spec...

No public underwriting or appetite guide was found on AIC’s official sites; current public guidance is product- and producer-facing only. Verified public positi...

No dedicated public underwriting, appetite, broker submission, or producer guideline page was verified on the official site. Current published guidance indicate...

Ahoy! currently publishes recreational boat and yacht underwriting guidance through its FAQ and product pages. Core appetite is personal/recreational pleasure w...

AFM is a North Carolina-only mutual carrier focused on personal lines homeowners business written through independent agents. Current published appetite centers...

Align General now operates under the DUAL North America brand. For Commercial Property, DUAL markets specialist property solutions for standard-to-hard-to-place...

Verified official underwriting or appetite guidance was not publicly accessible from the carrier website during this refresh. The official website at http://www...

Verified official guidance is available in Allegany Insurance Group’s Pennsylvania Product Guide (10/24 edition), which is more specific than the public persona...

Alliance Member Services (AMS) administers Nonprofits Insurance Alliance (NIA), which writes insurance exclusively for federally tax-exempt 501(c)(3) nonprofit...

Verified published guidance found for Alliance United’s California private passenger auto program. The available underwriting document is a California Underwrit...

Verified current North America underwriting material is the Allianz Commercial 'Appetite Guide 2026' plus U.S. line-of-business appetite sheets. Allianz Commerc...

Allied Trust is an admitted personal-lines property carrier distributing through independent agents, with current published home-related availability in Louisia...

Verified current published home underwriting guidance is for the Homeowner Program (Tower Hill Specialty partner) on Allstar’s personal/property pages. Publishe...

No verified official Allstate underwriting or appetite guide page was found for this carrier on the public site. Current official public-facing guidance is prod...

Verified official public guidance remains limited and consumer-facing rather than a formal underwriting/appetite bulletin. For Home, AmShield positions itself a...

AmTrust’s current small-business underwriting guidance is centered on workers’ compensation and companion small commercial lines, with a strong digital/agent-dr...

AMERISAFE remains a mono-line workers’ compensation carrier focused on small to mid-sized employers in hazardous industries. Published target segments include a...

No verified official commercial underwriting, appetite, producer, broker submission, or risk guide page was found for America First Insurance. The only official...

Current publicly accessible underwriting detail from American Access Casualty Company (AACC) is limited; the carrier’s site presents as a consumer/agent portal...

Verified official consumer-facing guidance for American Commerce is limited; no public underwriting/appetite guide or broker submission manual for Home or Water...

American Freedom currently presents itself as a personal automobile insurer focused on minimum-limits business written through independent agents. Public-facing...

Officially published guidance indicates this carrier group is currently positioned around personal auto only, marketed through Good2Go, a subsidiary/brand assoc...

American Integrity currently presents itself as a residential property-focused carrier serving the Southeast, with consumer-facing product guidance rather than...

Verified official guidance is limited and consumer-facing rather than a formal producer appetite guide. Current published focus is manufactured/mobile homes, wi...

American Modern is a U.S. specialty personal lines carrier focused on non-standard residential and recreational risks. For Home, currently published materials e...

Verified public-facing guidance is limited; no formal public commercial underwriting appetite or producer-only appetite guide was found on American National’s o...

Verified public producer-facing guidance for Home is limited. The carrier’s public site does not publish a standalone homeowners underwriting or appetite guide;...

Verified official public-facing site remains AmericanStrategic.com, now branded as Progressive Home and directing users to Progressive while retaining ASI prope...

American Traditions Insurance Company was not verified from the provided website; the official source located is American Modern’s agent site for Homeowners FLE...

Verified official guidance is broad producer-facing appetite rather than a detailed class-by-class underwriting manual. American Underwriters Insurance Group ap...

No verified official underwriting, appetite, producer, broker, or submission guidance could be retrieved from the carrier’s stated website during this refresh....

Amerisure’s currently published appetite is centered on U.S.-based commercial P&C risks, distributed through an exclusive independent agency network, with prima...

Verified official producer-facing guidance is limited and is centered on producer access and appointment rather than a public appetite guide. Anchor General’s p...

Official website and agent portal indicate Anchor Property & Casualty is not currently writing new Florida business for its FL Premier Homeowners and Dwelling F...

Aon Edge currently markets EZ Flood as a private flood product for single-family residential properties. Preferred business includes residential homes in both m...

Apollo MGA currently publishes a narrow, clearly defined appetite focused on non-standard personal auto written through independent agents in Texas only. Public...

Verified official producer-facing underwriting/appetite content located was limited. Arbella’s publicly discoverable official producer resource with operational...

Verified current official wholesale appetite materials and product pages for Arch Insurance U.S. The 2025 Wholesale Appetite Guide remains the main official app...

Verified official underwriting guidance was found for Arrowhead’s Workers’ Compensation program. The published appetite is primarily monoline workers’ compensat...

Verified current producer guidance on Aspire’s official producer resources page. Current published California underwriting material includes Aspire Savings Unde...

No verified official home/homeowners underwriting or appetite guide was found on AssuranceAmerica’s public site. Current publicly posted products on the carrier...

Official Assurant flood-agent materials currently emphasize Flood only, centered on Write Your Own (WYO) NFIP business with related private flood options. Prefe...

Atlas General Agency is a Texas-focused MGA for contracted independent agents, writing only residential property insurance for homes across Texas. Current publi...

Attune’s verified current workers’ compensation offering is EverPeak, available exclusively through the Attune platform for appointed/Attune agents. Published p...

Verified official guidance is limited and appears producer-contact based rather than a published appetite guide. Augusta Mutual is a Virginia-focused mutual ins...

Verified carrier brand is Main Street America Insurance on msainsurance.com, with Austin Mutual now redirected into that platform. Current public producer-facin...

No verified public producer/broker underwriting or appetite guide was found on the official AAA Michigan site. Public-facing guidance indicates a personal-lines...

Auto-Owners distributes exclusively through independent agents and does not publish a detailed public underwriting appetite guide or class-by-class decline list...

Verified carrier site has rebranded from BMI Company, Inc. / Billings Mutual Insurance to SurSafe Mutual Insurance Company. For Home, the public-facing guidance...

Badger Mutual’s verified public personal-lines guidance shows a regional carrier writing home-related personal insurance through independent agents only. For Ho...

Verified current official producer-facing guidance is on Bamboo’s agent page rather than the older third-party PDF. Bamboo presents itself as an underwriting-fi...

Verified current official public-facing guidance is limited; Bankers’ official site positions the carrier as a regional specialty writer with core emphasis on c...

Verified official guidance is limited to public product and agent-facing website content; no standalone homeowner underwriting manual, appetite guide, or broker...

Verified official guidance indicates Bear River Mutual is a Utah-only personal lines carrier distributed through independent agents. For Home business, the carr...

Verified public-facing guidance is limited; no standalone underwriting appetite, broker submission, or producer manual was found on the official site. Current p...

Verified official guidance is limited and product-oriented rather than a formal underwriting/appetite manual. For Home, Belle Prairie currently markets Home-Gua...

Verified underwriting guidance found for Berkley Industrial Comp, a W. R. Berkley business, rather than a single corporate-wide appetite page. Current published...

Berkley One positions itself as a high-net-worth personal lines carrier working through a select independent agent network. Current official site content indica...

Verified public guidance is limited and consumer-facing rather than a formal producer appetite guide. Black Hawk Mutual currently markets Home-Guard homeowners...

Verified official producer-facing guidance is limited. Branch’s official independent-agent page positions the carrier as a fast digital market for personal line...

Verified current agent/help materials indicate Bremen Farmers Mutual writes property and casualty business throughout Kansas only and distributes through indepe...

No dedicated underwriting or appetite guide was found on the public site; guidance appears limited to consumer-facing product and contact pages. For Home, Breme...

Brethren Mutual is a regional carrier writing through independent agents, not direct, with commercial and farm business written in Maryland, Pennsylvania, Virgi...

Bridger’s public-facing materials currently position the carrier as a non-standard personal auto writer distributed through brokers/agents rather than direct un...

Bristol West (Foremost Auto) currently publishes agent-facing guidance centered on Bristol West Personal Auto, with supporting producer/quoting pages and a stat...

Officially published underwriting guidance still appears to be the Broome Co-operative Insurance Company Underwriting Guidelines, Version 1.0 revised effective...

Brotherhood Mutual’s published risk appetite is specialized and ministry-focused rather than broad middle-market commercial. The carrier positions itself as a l...

No formal public home underwriting or appetite guide was found on the official site. Current published guidance indicates Buckeye writes personal lines through...

No public producer-only underwriting or appetite guide was verified on the carrier’s website. Public-facing guidance indicates Buffalo Lake-New Auburn Mutual wr...

Builders Mutual remains a construction-only carrier focused on residential, commercial, and trade contractors, distributed through select independent agencies....

CBIC’s public-facing contractor package guidance now lives on RLI’s construction pages; cbic.com redirects to RLI’s General & Artisan Contractors page. CBIC is...

Verified official website and official April 2024 Homeowners Agent/Underwriting Manual. CFM is a Missouri mutual focused on Missouri residential and farm-relate...

No verified public underwriting/appetite/broker submission page for CIG Home was found on the official website. Current official public signals indicate CIG is...

CNA’s verified commercial appetite page remains the official Customer Segments Appetite PDF. Current published appetite emphasizes targeted growth in Constructi...

No verified official underwriting, appetite, producer, broker submission, or submit-business page was found on CSAA Insurance Group’s public site during this re...

Current official public-facing status indicates CSE Insurance Group has no active policies in force, which strongly suggests no current new-business underwritin...

Verified official guidance remains product- and state-based rather than a detailed public appetite bulletin. Cabrillo Coastal positions itself as a specialist i...

Official site currently presents Cabrillo Pacific business under the Amwins Specialty Auto brand and publishes program/appetite details for personal auto in Tex...

Verified current official guidance centers on Cajun Underwriters’ Louisiana Select Homeowners Program manual plus agent/resource pages. Core appetite is coastal...

No official producer/broker-facing home underwriting or appetite guide was verified on the public CSAA/AAA California site. Current publicly available guidance...

Official site content indicates Callicoon Co-Operative writes primarily property-focused business in New York State, with a stated focus on homeowners, commerci...

Official SurSafe public guidance for Home is marketing-level rather than a detailed broker appetite guide. Current published position indicates personal lines/h...

Verified official carrier presence at CapSpecialty. For Capitol Indemnity Corporation specifically, CapSpecialty’s legal notice states Capitol Indemnity is an a...

No verified current official underwriting, appetite, producer, or broker submission page was found for Capitol Preferred Insurance Company. Official Florida rec...

No public producer appetite or underwriting manual was verified on the official site. Current public guidance indicates Carolina Farmers Mutual writes personal-...

Official site content indicates Cascade Farmers Mutual is a Montana-focused mutual insurer writing personal property business statewide from Great Falls, with h...

Celina Insurance Group currently publishes product and agent-facing guidance rather than a detailed public appetite guide. Commercial focus appears oriented to...

Official site content verified, but no public homeowner underwriting or appetite guide with class-by-class accept/decline rules was found. Current published gui...

Center Mutual’s publicly available guidance is consumer-facing rather than a formal producer appetite guide. For Home, the company markets personal-lines proper...

Verified official site indicates CCIC is a New York-only carrier focused on Central and Northern New York and distributed through more than 125 independent agen...

Central’s current public commercial guidance emphasizes small business/BOP and CLP appetite distributed through independent agents. The verified primary underwr...

Verified official site indicates Century Mutual is a North Carolina statewide carrier and presents itself as a multi-line personal and commercial property/casua...

No verified official underwriting, appetite, producer, broker, or submit-business page for Century National Insurance (Kramer-Wilson Company) was located on the...

Verified official public guidance is limited and there does not appear to be a dedicated public underwriting/appetite guide for Home. Current official product p...

Chesapeake Employers is a Maryland-focused workers’ compensation specialist and states it will consider all types of businesses across Maryland. Core appetite i...

Chubb’s current U.S. commercial appetite is centered on small business through upper middle market accounts, with stated revenue support from under $30 million...

Church Mutual’s currently published broker guidance positions the carrier as a specialty market for purpose-driven organizations and indicates it partners with...

Church Pension Group’s Church Insurance operation is a niche religious-institution carrier focused on The Episcopal Church. Official materials consistently posi...

Verified current public underwriting guidance is centered on Cincinnati Specialty Underwriters (CSU) / Cincinnati’s Excess & Surplus business rather than a deta...

Citizens is Florida’s residual-market property insurer and writes new business only when coverage is unavailable from a Florida-authorized insurer or when compa...

Verified current public guidance is producer/agent operational guidance rather than a formal appetite PDF. Clearcover is a personal auto writer with digital quo...

Verified official website only; no dedicated official underwriting, appetite, risk guide, or broker submission page for Commercial Auto was found on the public...

No dedicated public underwriting or appetite guide, producer portal, or broker submission page was verified on the official site. Public-facing guidance indicat...

No verified official underwriting, appetite, producer, broker, or submission-guideline page could be retrieved from the carrier’s stated website. The provided d...

Verified current public guidance is marketing-level appetite and producer appointment content rather than a detailed underwriting manual. Garage: Cochrane posit...

Colorado Casualty is a Liberty Mutual company, but I could not verify a current standalone official Colorado Casualty underwriting or appetite page. Current off...

Columbia Insurance currently markets itself as a small-business-focused mutual carrier writing through independent insurance agents and highlights service in 14...

Official site confirms Columbia Lloyds markets through independent agents and writes products in Texas, Oklahoma, and Arkansas, with Columbia Lloyds-branded Hom...

Verified public guidance for Commerce West is limited and appears to be consumer-facing rather than a formal public underwriting/appetite guide. Commerce West I...

No formal public underwriting or appetite guide for Home or Renters was found on the carrier’s official website. Current verified public guidance is marketing-...

Verified current official website and a newer official producer/compliance manual than the one provided. Companion Life presents itself as a nationwide carrier...

No verified public underwriting/appetite guide or broker submission manual was found on Concord Group Insurance’s official website. Publicly posted guidance sup...

Conifer Holdings, Inc. is currently operating publicly through Conifer Insurance Services as a specialty MGA focused on niche commercial programs distributed th...

Verified as an independent retail insurance agency, not a carrier-specific appetite portal. Current official site markets Home and broader personal lines covera...

CopperPoint’s current official positioning is workers’ compensation-led, with appetite segmented by account size: Small Business up to $25k premium, Middle Mark...

Cornerstone Insurance Producers, LLC presents itself as a specialty MGA/wholesale operation with a 50-state footprint and producer-facing online rate/quote/bind...

Coterie’s current published producer-facing appetite is a 2026 small-business appetite page supported by producer resources and appetite tools. The carrier stat...

Verified official public guidance is limited; the clearest current submission guidance is on Countryway Connection new-business checklists. Countryway positions...

CoverTree is a program administrator focused on manufactured housing, with its manufactured home program underwritten by Markel American Insurance Company; in N...

Crestwell Underwriters currently markets itself as a specialty MGA focused on commercial residential property in Florida, with its published appetite centered o...

Verified public guidance is product-level rather than a detailed broker appetite guide. For Homeowners, Cumberland Mutual markets standard personal home coverag...

Cypress Property & Casualty currently presents itself as a Florida- and Texas-focused property insurer with core personal lines centered on homeowners coverage...

Verified official materials do not show a formal broker-facing underwriting or appetite guide. Current published guidance indicates DMC Mutual is a regional mut...

DTRIC currently indicates it is transitioning to a run-off insurance company and will no longer issue new policies. For Home business, this means no new homeown...

Verified official producer-facing page is the Dairyland agents page rather than a formal public underwriting/appetite guide. Current published position indicate...

Verified carrier website is Guardian Mutual Insurance Association, which states it was formed in January 2024 after the merger of Dallas Mutual, Glidden Mutual,...

Verified official website indicates Danish Mutual is a county mutual insurer focused on personal and farm property risks in southwest and south central Iowa. Fo...

No formal public underwriting or appetite guide was found on the official site. Current published guidance indicates De Smet Farm Mutual writes South Dakota-foc...

No verified official Deerbrook-specific underwriting, appetite, producer, broker, or submit-business page was found on Allstate’s public site. Current verified...

Verified current official web presence shows Delos is a California-licensed MGA focused on homeowners insurance in California, specifically homes in wildfire-ex...

Discovery Insurance’s publicly verified producer-facing guidance is limited and appears oriented to independent-agent appointment rather than a formal underwrit...

Verified public-facing guidance is limited; no public producer-only appetite guide or formal underwriting manual was found on Donegal’s official site. Current p...

Dryden Mutual publishes limited formal appetite guidance on its public site; the clearest underwriting-facing guidance is spread across FAQ, product, distributi...

Verified public producer-facing guidance is limited and appears centered on the Agents portal rather than a public appetite guide. EMC markets through independe...

Verified official guidance remains limited and is consumer-facing rather than a formal producer appetite guide. Eagle Mutual states it serves the basic needs of...

No verified public underwriting/appetite or broker submission guide was found on the official website. Publicly available guidance indicates Eagle Point Mutual...

Eastern Alliance publishes a workers’ compensation-only platform and indicates it is actively writing in 33 states. Current public materials emphasize three pri...

Verified public guidance is limited and consumer-facing rather than a formal underwriting/appetite manual. Current official materials indicate Eastern Iowa Mutu...

Official site does not show a standalone underwriting or appetite guide, but current published product and company pages indicate a regional mutual focused on p...

No dedicated public underwriting/appetite/broker submission guide was verified on Edison Insurance Company’s official website. Based on currently published offi...

Verified official home guidance is limited to a homeowner coverage comparison/brochure plus agent-interest and service pages rather than a true broker appetite...

Verified the official carrier website, but no current public underwriting, appetite, producer, broker, or submit-business guidance page could be confirmed on th...

Verified official guidance indicates Elephant is primarily a digital-first personal auto carrier with direct agency appointment opportunities rather than a publ...

Embark MGA’s publicly available producer-facing guidance is limited, but official site content indicates a personal-lines-focused MGA platform with auto and pro...

Verified official underwriting guidance is limited. Embrace Pet Insurance Agency, LLC markets personal pet insurance for dogs and cats in the U.S. Policies are...

EMPLOYERS publishes workers’ compensation appetite guidance for appointed agents centered on small businesses in low-to-medium hazard industries. The carrier st...

No verified public official underwriting, appetite, risk guide, or producer submission page was found on Encompass’s official website during this refresh. The p...

Verified official public guidance is limited and appears producer/contact-oriented rather than a formal appetite guide. Equity Insurance Company markets afforda...

ERIE’s verified public-facing guidance is marketing/appetite-oriented rather than a detailed producer underwriting manual. Current published business appetite c...

Officially published guidance remains product-focused rather than a formal public appetite guide. For Home, Erie and Niagara’s personal lines platform is center...

Verified official Everest U.S. insurance product pages support Middle Market Casualty, including umbrella/excess, and Middle Market Property. For the cited unde...

ICW Group’s current official workers’ compensation submission guidance applies to Explorer Insurance Company along with other ICW Group member carriers. Appetit...

Official site verification confirms a limited public underwriting presence rather than a detailed appetite guide. Fairmont Farmers Mutual states it is licensed...

Falcon Insurance Company, part of TALON Financial Group/Falcon Insurance Group, publicly positions itself as a non-standard personal auto carrier. Published mat...

No formal public underwriting or appetite guide was found on the official site. Current verified public guidance indicates Farmers & Mechanics writes home-relat...

Farmers Alliance presents itself as a regional carrier focused on predominantly rural risks and distributes through independent agents in Colorado, Idaho, Kansa...

Official public guidance located is product-level rather than a formal underwriting or appetite guide. For Homeowners, Farmers Fire presents itself as a Pennsyl...

No current, verifiable official carrier website or public underwriting/appetite/producer submission page could be confirmed for Farmers Home Group. Public histo...

Official website confirms a Pennsylvania-focused regional mutual carrier writing business only within the state of Pennsylvania and distributing through the ind...

Official public guidance is limited and product-marketing oriented rather than a true underwriting/appetite manual. Current verified website content shows Farme...

Verified official website remains Farmers of Salem. The only clearly published official underwriting/appetite guide located is the New Jersey Commercial Program...

Verified official guidance remains centered on FMH’s Iowa Property Manual for Home/Farm property. For Home, FMH is not broadly pursuing standard stand-alone hom...

No dedicated public underwriting, appetite, broker submission, or producer guide was found on the carrier’s official website. Current published guidance indicat...

Verified official website pages show Farmers Mutual Insurance Company of Michigan writes a broad-form HO-2 homeowners policy for both newer and older homes, wit...

No formal public underwriting or appetite bulletin was found. Verified public guidance indicates Farmers Mutual Insurance Company of Western Pennsylvania writes...

Verified official carrier is Farmers Mutual Insurance Company of West Virginia, not Nebraska. Current published Homeowners underwriting guide on the carrier sit...

Verified official website is Wyandot Mutual Insurance Co., which appears to be the operating name associated with Farmers Mutual Relief Association. Publicly av...

Verified official homeowners underwriting guide is still published on the carrier site. Current published Home appetite is a West Virginia-focused personal line...

Verified current official website and underwriting PDF for Homeowners. Farmers Mutual of Tennessee writes property only in Tennessee and its public Home program...

No dedicated underwriting, appetite, producer, broker, or submit-business page was verified on the official site. Current published guidance indicates Farmers P...

No formal public underwriting or broker appetite guide was found on the official site. Current published guidance indicates Farmers Union Mutual Insurance Compa...

Verified official website indicates a regional personal-lines carrier writing through independent agents in Michigan’s Upper Peninsula. For Home, the published...

No current official underwriting, appetite guide, or broker submission PDF was verified on the carrier’s public site. The previously supplied PDF appears to be...

No verified official underwriting, appetite, producer, broker, or submission-guideline page could be located on the carrier’s public website during this refresh...

Verified current public guidance ties Financial Indemnity Company to Kemper’s small-business Commercial Auto platform rather than a standalone carrier appetite...

Official site evidence shows Finger Lakes Fire & Casualty is a regional New York carrier distributing through independent agents. For Home, currently published...

Verified the carrier website domain as https://www.ffic.com, but no current official underwriting, appetite, producer, broker, or submission-guidance page could...

First American Property & Casualty Insurance Company is no longer an active market for new personal lines home insurance. The official property & casualty page...

Verified official public guidance is limited and consumer-facing rather than a formal broker appetite guide. For Home, FICOH actively markets homeowners and con...

Official site does not publish a detailed public underwriting or appetite guide, but current published materials indicate First Maxfield Mutual is a local Iowa...

Official public producer-facing guidance is limited, but First Mutual currently markets through independent agents and states it is expanding agent representati...

Verified current FirstComp/Markel workers compensation presence on Markel’s official small business workers compensation page rather than a standalone current F...

Florida Family is a Florida-focused personal lines carrier writing property coverage only in Florida through authorized independent agents. Public-facing materi...

Verified official public guidance remains the Florida Peninsula Agent Quick Reference Guide, edition 08/18, plus the current corporate website. Operationally, F...

No current underwriting, appetite, producer, broker, or submission guidance could be verified from an active official carrier website because Florida Specialty...

No dedicated underwriting/appetite/broker submission page was verified on the official site. Current published guidance indicates Floyd County Mutual writes hom...

Foremost’s verified agent-facing boat page is a product/coverage page rather than a full public appetite guide. Current published marine positioning indicates b...

Foremost Signature currently positions Home as a standard-to-preferred/premier homeowners solution with bundling emphasis, especially with Signature Auto. Prefe...

Forge writes admitted small business commercial auto for light, local risks where the vehicle is a tool of the business rather than the core revenue operation....

Forreston Mutual’s published appetite is personal lines and farm-focused business in Illinois, distributed exclusively through independent agents. For Home, the...

Forward Mutual’s official website indicates a Wisconsin-focused mutual carrier serving home and farm owners throughout Wisconsin. For Home, the published appeti...

Verified public/homeowner producer guidance is available. Founders markets homeowners coverage primarily for owner-occupied risks and states it can write many n...

Frank Winston Crum Insurance currently publishes agent-facing guidance centered on Workers’ Compensation, Contractor/GL, and CPP. Workers’ Compensation appetite...

Frankenmuth Insurance presents itself as a super-regional carrier distributing through local independent agents, with business insurance currently offered in 15...

No official online underwriting, appetite, producer, broker, or submission-guideline page could be verified on the carrier website during this refresh. The offi...

Verified public-facing guidance remains limited and product-marketing oriented rather than a formal appetite guide. Franklin Mutual writes business primarily th...

Verified current official guidance is centered on Frederick Mutual’s Agent Guide 2024 plus product pages. The carrier has exited personal lines effective Januar...

Official producer-facing guidance located is for Personal Auto and is state-specific. Current public producer appointment page states Freedom National is curren...

Fremont Insurance’s publicly available guidance is primarily agent-facing quick-reference/checklist material plus a detailed Commercial Package Policy manual ho...

Verified official website confirms Frontier–Mt. Carroll Mutual is an Illinois-focused mutual insurer, with primary business devoted to protecting policyholders...

Verified official web presence is limited from public crawl results. Frontline’s verified producer-facing page is a login portal rather than a publicly accessib...

No verified official underwriting, appetite, producer, broker, or submission-guidance page for GHS Property & Casualty Insurance Company was found. Current offi...

GAINSCO is currently positioned as a non-standard personal auto writer, specializing in minimum-limits personal auto coverage, with business written through MGA...

GEICO appears to distribute homeowners insurance as an agency rather than publishing a formal public underwriting or broker appetite guide for Home. Current off...

General Casualty appears to operate today as part of QBE North America rather than as a standalone underwriting site. The legacy generalcasualty.com site could...

Verified official website and a product-specific homeowners page, but no standalone underwriting, appetite, or broker submission guide was found on the public s...

GeoVera’s currently published guidance is centered on catastrophe-exposed personal residential business rather than a formal public appetite guide. Verified off...

German Farmers Mutual Insurance Company positions itself as a rural Ohio property writer. Official site language indicates the company focuses on residents of r...

No standalone underwriting, appetite, broker, or producer guideline page was verified on the official German Mutual site. Current published guidance indicates G...

Official site review found no producer-facing underwriting manual or formal appetite guide for Home. Current published guidance is consumer-facing and indicates...

No dedicated public underwriting, appetite, or producer submission guideline page for Home was verified on GMIC’s official site. Publicly available guidance ind...

Verified official website for Gillford Agency / Gillford Mutual Agency, but no dedicated underwriting, appetite, producer, broker, or submit-business page could...

Verified official appetite/applications guidance is published on Glatfelter’s Appetite Guide & Applications page and its Public Entities program pages. For publ...

Golden Eagle Insurance appears to be a Liberty Mutual underwriting entity rather than a standalone current carrier marketing site; Golden Eagle Insurance Corpor...

Verified public-facing guidance is limited and appears product-marketing oriented rather than a formal underwriting/appetite bulletin. For Home, Goodville curre...

Grand River Insurance currently presents itself as a commercial lines program manager serving small and mid-sized businesses through select independent agencies...

Grange’s verified published underwriting guidance remains high-level and agent-facing rather than a public class-by-class appetite guide. The clearest official...

Grange Insurance Association (rebranding to Granwest effective July 1, 2026) currently publishes consumer-facing rather than detailed broker appetite materials...

Official website confirms Grayson-Carroll-Wythe Mutual is a Virginia-only property insurer with products for homeowners, fire, farm, and church risks. For Home,...

Verified guidance is published through Great American’s Alternative Distribution / Alternative Markets small commercial platform rather than a traditional produ...

Great Bay currently publishes a New Jersey coastal homeowners focus. Official product materials show admitted Home coverage for NJ single-family homes and 2-4 u...

Great Lakes Mutual Insurance Company appears to be a Michigan-focused property carrier distributing through local independent agents. Official site language ind...

Verified official public guidance is limited and product-level rather than a detailed appetite manual. Current published Home offering is homeowners insurance i...

No dedicated public underwriting, appetite, producer, or broker submission guideline page was verified on the official website. Current public-facing guidance i...

Great West Casualty Company’s published Workers Compensation guidance is trucking-focused only. The carrier states its single focus is the commercial trucking i...

Official producer-facing guidance is available through Grinnell Mutual’s Agent Manuals and commercial sales materials pages. Access is producer-oriented: Grinne...

Official website verified. No separate underwriting manual, appetite guide, broker portal, or producer submission guideline page was found on the carrier’s publ...

GuideOne’s current official public-facing materials position the carrier as a niche commercial writer focused on religious organizations, nonprofit and human se...

No current official public underwriting or appetite guide was verified on the carrier website; the previously known 2019 quick reference PDF was not confirmed f...

No active underwriting or new-business appetite page was verified because Gulfstream Property and Casualty Insurance Company is in liquidation. The Florida Depa...

Hagerty’s current published appetite is centered on collector and enthusiast vehicles, not standard daily-use autos. Preferred business is collectible vehicles...

No verified public underwriting, appetite, broker submission, or producer guideline page was found on Halifax Mutual’s official website. Publicly available guid...

Verified current official personal-lines guidance is published on Hallmark Financial’s Renters page rather than a broad homeowner appetite guide. For the Home-r...

No formal public underwriting or appetite guide was found. Current official site content indicates Halstad Mutual is a Minnesota property-focused mutual writing...

Hanover Fire & Casualty currently presents itself as a non-standard personal/residential property writer focused on underserved urban markets and lower- to midd...

Harford Mutual’s verified public appetite page is Classes of Focus. For Workers Compensation, the carrier states it can write monoline WC for eligible classes a...

Harleysville is now branded under Nationwide, and current producer-facing underwriting/appetite guidance is published on Nationwide agent pages. For commercial...

Officially published guidance appears limited to consumer-facing product pages rather than a formal producer appetite or underwriting manual. Current verified p...

Verified official public guidance is marketing/appetite-oriented rather than a formal underwriting manual. Hastings writes through independent agents and active...

Hawaiian Hurricane Group (HHG) publishes Hawaii-focused residential property guidance centered on homeowners and hurricane-only coverage for homes in the Hawaii...

Verified official public guidance is limited and appears marketing-oriented rather than a formal broker appetite guide. Current published home appetite indicate...

Official guidance is published via Heartland Mutual’s Manual page, which links to a 2024 Underwriting Section and 2024 Agent Memo. Core appetite remains propert...

Verified official public guidance is limited; no detailed public underwriting/appetite manual or broker appetite guide was found on the carrier’s official site....

No dedicated underwriting, appetite, producer, or broker submission guide was found on the verified official website. Current published guidance is limited to g...

Verified public guidance is limited and appears consumer-facing rather than a formal producer appetite guide. For Home, Hochheim Prairie publicly markets Texas...

Homeowners of America publicly publishes agent-facing underwriting materials through its PTS Help underwriting portal plus state quick reference guides. Core pu...

Verified official public guidance is limited and appears marketing-oriented rather than a true underwriting appetite guide. Homesite publicly markets Home and S...

Verified official guidance is limited and appears product-marketing oriented rather than a formal public underwriting/appetite guide. Current published position...

Honeycomb’s currently published producer-facing guidance positions the carrier as a habitational-focused market for real estate risks. Preferred business includ...

Horace Mann’s published Home offering is positioned primarily for educators and others who serve the community, distributed through local agents rather than thr...

No current official underwriting, appetite, producer, broker, or submission guidance could be verified for Houston General Insurance. The provided website could...

Verified current public guidance is being presented through Hawaiian Hurricane Group rather than a functioning Hyundai Insurance USA underwriting page. HHG/HMF...

Verified official guidance indicates IMT Insurance/Wadena Insurance is operating through independent agents in a six-state core territory: Iowa, Illinois, Minne...

Official site remains Chesapeake Employers Insurance (successor brand associated with IWIF) and the verified appetite page is active. Current published appetite...

Idaho State Insurance Fund (SIF) is an Idaho-focused workers’ compensation carrier and emphasizes being a local, reliable market for Idaho employers. Preferred...

Illinois Casualty Company publishes a focused food-and-beverage risk appetite rather than a broad multi-industry guide. ICC positions itself as a specialist for...

No verified official underwriting, appetite, producer, or broker submission page could be retrieved from the carrier website during this refresh. The public web...

Indiana Farmers’ current official public-facing guidance is marketing/appetite-oriented rather than a detailed producer underwriting manual. Verified business a...

Indiana Insurance Company is part of Encova Insurance and current official commercial guidance is presented under Encova branding. For the requested lines, Enco...

Verified public guidance is consumer-facing rather than a formal broker appetite guide. Infinity Insurance Agency, Inc. markets commercial auto through its agen...

Insurance House’s currently published Home guidance is positioned as specialty personal lines homeowners business written through retail agents. Preferred/targe...

Verified current official presence is AssuranceAmerica, the parent-facing brand for InsureMax. Publicly available producer guidance is limited, but the carrier’...

Verified official site shows limited public underwriting/appetite detail and no broad commercial P&C appetite guide. Producer-facing content is centered on an A...

Verified carrier is Berkshire Hathaway GUARD Insurance Companies (GUARD). Public-facing producer guidance is centered on the Agents & Brokers page plus the Agen...

Iowa Mutual Insurance now appears to operate within Encova Insurance, and the current verified public-facing underwriting and producer guidance is published on...

JCM Mutual’s publicly available guidance is limited and product-oriented rather than a formal underwriting appetite guide. For Home business, the clearest state...

JSA is a wholesale excess & surplus lines broker serving independent retail agents in the Southeast. Current producer guidance says JSA only works with approved...

No dedicated public underwriting, appetite, producer, or broker submission guide was found on the verified official site. Current published guidance indicates J...

Jewelers Mutual’s current commercial positioning is jewelry-specialist and industry-focused rather than a broad public appetite guide. The verified business ins...

Johnson & Johnson, Inc. presents itself as an independent wholesale broker / MGA serving insurance professionals throughout the United States, with commercial u...

Verified official homeowner underwriting guidance is still published via the carrier’s Agent Resources page and links to an AAIS Homeowners Underwriting Guideli...

No current official underwriting/appetite/producer submission guide for Home was verified on KW Specialty’s official site. The previously supplied California ho...

Verified public guidance indicates Kemper Auto is writing U.S. personal auto business with a strong non-standard orientation. Preferred/target business includes...

No current official public underwriting/appetite guide for Kemper Auto Reciprocal was verified on Kemper’s website. The previously supplied Illinois Reciprocal...

No publicly accessible official Kemper underwriting or appetite guide for Kemper Preferred or Kemper Specialty Home was verified on kemper.com. Current public-f...

Official site materials do not show a formal published appetite guide, underwriting manual, or producer submission bulletin. Based on the verified company pages...