Find carrier appetite without digging through broker portals.

Verified current public guidance indicates 1859 Mutual is an Ohio-only, property-focused mutual insurer writing business exclusively through local independent a...

No active underwriting or appetite guidance was found for 1st Auto & Casualty Insurance Company on the official site. The official WRC Group website currently s...

No verified official broker/producer underwriting appetite or submit-business page for Home was found on the public CSAA Insurance Group / AAA site. Current pub...

No current underwriting, appetite, producer, broker, or submit-business guidance was verified on the official ACCC Insurance Company website. The official site...

Official U.S. carrier is Chubb (ACE American Insurance Company and affiliated Chubb underwriting companies). For the requested personal recreational marine focu...

AIG’s current U.S. personal lines home offering for high-net-worth and ultra-high-net-worth clients is marketed through Private Client Select (PCS). Published p...

Verified public-facing guidance is limited. AIG positions Premier Client Solutions within its individual/private client offering and directs business through Pr...

AIG Private Client business is now marketed through Private Client Select (PCS), which positions the offering for high-net-worth and complex personal risk clien...

No verified producer-only underwriting, appetite, or broker submission guide was found on the official Acceptance website. Current public-facing guidance indica...

No verified official underwriting, appetite, producer/broker, or submission-guideline page was found for Access Insurance Services/Access Insurance Company on t...

Accident Fund is a monoline workers’ compensation carrier. Current public-facing producer guidance centers on AFXpress, its automated small-business/new-busines...

Acuity’s currently verified public-facing producer guidance is broad but not a detailed public appetite manual. The clearest official producer page is the new-a...

Verified producer-facing guidance is published through Aegis Easy / Aegis Specialty for California personal residential property. Current producer resources sho...

No formal public underwriting or appetite guide was found for Commercial Auto. Based on AIC’s official site, the carrier currently writes commercial automobile...

No dedicated public underwriting, appetite, or producer/broker submission guide was found on the verified Agraria website. Current official public guidance indi...

Ahoy! currently publishes consumer-facing underwriting and eligibility guidance on its FAQ plus agent information on its main site. Core appetite is recreationa...

AFM’s currently published producer-facing guidance indicates a North Carolina-only personal lines/property appetite focused on homes and related dwelling busine...

Align General is now branded under DUAL North America; the verified commercial property underwriting guidance is published on DUAL’s E&S Property page. Current...

Verified current official underwriting/appetite content could not be located on the carrier website. The official website itself could not be reliably fetched d...

Official Pennsylvania product guide dated 10/24 is still published and appears to be the primary underwriting/appetite reference for Allegany’s PA personal line...

Alliance Member Services administers Nonprofits Insurance Alliance, which publishes an underwriting appetite focused exclusively on federally tax-exempt 501(c)(...

Verified published guidance found for Alliance United’s California private passenger auto program, but the located underwriting guide is hosted on a third-party...

Allianz Global Corporate & Specialty now operates under Allianz Commercial for North America and distributes through brokers only. The current verified appetite...

Verified official producer-facing guidance remains limited on the public site; no public underwriting manual or appetite guide was found. Current published posi...

Verified current published home guidance is the Homeowner Program page written through Tower Hill Specialty. Appetite is for HO3 homeowners risks with homes 80...

No verified official Allstate underwriting/appetite/broker submission guide was found on the public site for the requested commercial lines. Public-facing guida...

Verified public guidance is limited and consumer-facing rather than a formal underwriting or broker appetite guide. For Home, AmShield is marketing standard per...

AmTrust’s currently published small-business appetite is centered on workers’ compensation and companion small commercial lines, with the verified official appe...

AMERISAFE is a monoline workers’ compensation carrier focused on higher-hazard business and states that it provides workers’ comp for high hazard industries man...

No verified official underwriting, appetite, producer, broker, or submission-guideline page was found on the provided America First Members website. The public...

American Access Casualty Company appears focused on non-standard personal auto written through agents, with state-specific underwriting manuals and applications...

Verified official consumer-facing guidance is limited; no public MAPFRE/American Commerce underwriting appetite bulletin or producer-facing watercraft appetite...

American Freedom currently presents itself as a non-standard personal auto carrier distributed through independent agents, with a producer portal rather than a...

Verified official guidance is limited and consumer-facing rather than a formal underwriting or broker appetite guide. Current published positioning indicates Go...

American Integrity currently markets itself primarily as a Southeast personal-lines carrier with home-focused products in Florida, Georgia, South Carolina, and...

Verified official guidance is limited and consumer-facing rather than a formal broker appetite guide. Current published appetite is narrowly focused on manufact...

American Modern continues to position itself as a specialty-market carrier for hard-to-place residential and recreational risks, with quoting centered in AMsuit...

American National’s specialty P&C small commercial and farm/ranch business is currently being presented under the Farm Family brand, and American National’s own...

Verified public-facing carrier site has moved from americanreliable.com to ECM Insurance Group. No public underwriting manual or formal appetite guide was found...

Verified official ASI/Progressive Home public materials remain limited; the best confirmed underwriting/appetite document located is the Florida Quick Reference...

Verified official guidance is on American Modern’s agent-facing Homeowners FLEX page. Current published appetite is for hard-to-place personal lines homes using...

Official producer-facing guidance is limited and appears to be marketing/distribution oriented rather than a detailed class-by-class appetite guide. The verifie...

No current official underwriting, appetite, producer, broker, or submission guidance for new Home business was verified on the carrier’s official website. The c...

Amerisure’s currently published appetite is centered on U.S.-based commercial P&C accounts in four primary industry segments: construction, manufacturing, healt...

Verified public producer-facing guidance is limited. Anchor General’s official producer portal is the main verified submission/underwriting access point, and th...

Official site and producer portal indicate Anchor Property & Casualty is not currently writing new business in Florida for its FL Premier Homeowners and Dwellin...

Aon Edge publishes producer-facing guidance for private flood through its EZ Flood platform. For residential Flood, EZ Flood is positioned for single-family res...

Apollo MGA’s published guidance is limited but consistent: the company markets non-standard personal automobile insurance through independent agents and emphasi...

Verified official producer-facing underwriting content is limited. The clearly accessible official underwriting/resource page located is Arbella’s Assigned Risk...

Arch’s verified U.S. wholesale appetite guide remains current and is supported by product pages for Professional Liability and Management Liability. For Profess...

Verified current published guidance is strongest for Arrowhead’s Workers’ Compensation program. Arrowhead markets monoline workers’ compensation in all states e...

Aspire currently markets personal auto insurance and states it writes business in California, Arizona, and Texas. Producer resources confirm state-specific pers...

No public home underwriting or appetite guide was verified on AssuranceAmerica’s official site. Current public producer-facing guidance points to AssuranceAmeri...

Assurant’s verified producer-facing flood guidance remains centered on NFIP/WYO flood and related private flood solutions. For NFIP, Assurant positions itself a...

Atlas General Agency presents itself as a Texas-focused MGA for independent agents, writing only residential property insurance for homes across Texas. Current...

Attune’s verified workers’ compensation offering is EverPeak, available exclusively through the Attune platform for appointed agents. Current published position...

Verified public-facing guidance remains limited; no dedicated online underwriting appetite or producer submission guide was found on the official site. Augusta...

Austin Mutual operates under Main Street America Insurance and appears to distribute through independent agents rather than a public direct-submission channel....

No verified official producer/broker-only underwriting appetite, submission, or risk guide was found on the public AAA Michigan site for Auto Club Insurance (AA...

Auto-Owners publishes broad commercial positioning rather than a formal public appetite guide. Current official guidance presents the carrier as an independent-...

Verified current branding is SurSafe Mutual Insurance Company, formerly BMI/Billings Mutual, with home coverage marketed on the SurSafe site. No formal public u...

Verified public-facing guidance is limited and consumer-oriented rather than a true public underwriting/appetite guide. For Home, Badger Mutual markets its BADG...

Verified producer-facing guidance remains limited and marketing-oriented rather than a formal published appetite guide. Bamboo presents itself as an underwritin...

Verified official producer access is through the Bankers Insurance Group Agent Portal. Public-facing producer guidance is limited; no current public appetite gu...

Verified public guidance is product- and agent-facing rather than a formal underwriting/appetite bulletin. For Home, Barton Mutual markets homeowners coverage s...

Bear River Mutual appears to write personal lines on a Utah-only basis through independent agents, with Home/Condo presented as a core product for responsible h...

Verified official site shows Bedford Grange Mutual writes personal and farm/property business through local agents throughout Pennsylvania. For Homeowners, the...

Verified public guidance remains product-based rather than a formal underwriting or appetite bulletin. For Home-Guard, Belle Prairie states the program is for o...

Verified guidance appears to be for Berkley Industrial Comp, a W. R. Berkley business focused on mono-line workers’ compensation rather than the broader mix of...

Berkley One is positioned as a high-net-worth/personal lines carrier for affluent clients and forward-looking independent agents. Current public-facing guidance...

Black Hawk Mutual Insurance Association currently markets itself as a local Iowa farm mutual serving Home and Farm insurance customers, with Renters also shown...

Verified official producer-facing guidance remains limited and marketing-oriented rather than a formal published underwriting appetite guide. Branch’s official...

Verified official carrier and agent-help pages indicate Bremen Farmers Mutual writes property/casualty business throughout Kansas and distributes through indepe...

Official site evidence shows Bremer Mutual is a local Iowa mutual focused on personal and farm business, with current public product information centered on Hom...

Brethren Mutual is a regional carrier distributing exclusively through independent agents. Verified public-facing commercial guidance is limited, but current of...

Bridger’s public-facing producer guidance is limited, but the official site consistently positions the carrier around non-standard auto / private passenger auto...

Verified official Bristol West/Foremost agent materials do not show a detailed public personal auto underwriting or appetite guide beyond product, availability,...

Verified official underwriting guidance remains the 2022 consolidated underwriting guidelines PDF on the carrier site. BCIC writes property/casualty business th...

Brotherhood Mutual’s published appetite is highly specialized and ministry-focused. Current official materials position the carrier for Christian churches and r...

Verified official producer-facing guidance is limited. Buckeye writes through independent agents and publicly states it offers home insurance, along with auto,...

No dedicated underwriting, appetite, or producer submission guide was found on the verified public site. Current published positioning indicates Buffalo Lake-Ne...

Builders Mutual remains a construction-only specialty carrier distributed through appointed independent agents. Current published guidance positions the carrier...

CBIC is presented as an RLI company supporting the admitted Contrac Pac construction program for general and artisan contractors. Current published appetite cen...

Verified current guidance is published in CFM’s 04/2024 Homeowners Agent Manual. CFM writes farm and residential property throughout Missouri and markets homeow...

No verified public official underwriting/appetite guide for CIG Home was found on the carrier’s public site. Based on verified official CIG materials, CIG is a...

CNA’s currently verified public-facing guidance still points to its Commercial Customer Segments Appetite PDF as the closest consolidated appetite source. The p...

No verified official underwriting/appetite/producer submission page for Home was found on the public CSAA Insurance Group site. Current official public material...

Verified official producer-facing underwriting content remains limited to CSE Agent Support rather than a public appetite guide. Current published underwriting...

Verified official guidance is product- and state-based rather than a formal public underwriting/appetite manual. Cabrillo Coastal positions itself as a coastal...

Verified official source is Amwins Specialty Auto, not a separate Cabrillo-branded public site. Current published guidance is for personal auto programs, with T...

Officially published guidance still centers on Louisiana Select Homeowners business assumed from Citizens and owner-occupied HO business. Cajun markets itself a...

No publicly accessible official underwriting or broker appetite guide for Home was verified on CSAA Insurance Group / AAA California’s consumer site. Current of...

Callicoon Co-Operative Insurance Co currently publishes a broad property-focused appetite in New York State, emphasizing homeowners, fire/dwelling, farmowners,...

Official carrier guidance currently available for Cameron National Insurance Company is published under the SurSafe brand, following the July 1, 2025 acquisitio...

Verified current official submission/appetite content is available for CapSpecialty’s DragonX excess casualty platform rather than a current all-lines package/p...

No verified current official underwriting, appetite, producer, broker, or submission page could be confirmed for Capitol Preferred Insurance Company. Official F...

Verified official site indicates Carolina Farmers Mutual writes North Carolina-focused personal/farm property business through local agents. Public-facing cover...

Verified public-facing guidance is limited and appears consumer-oriented rather than a formal producer appetite guide. For Home, Cascade Farmers Mutual markets...

Celina publishes producer-facing guidance primarily through its Agent FAQ and product pages rather than a formal downloadable appetite guide. Current footprint...

Centauri Specialty Insurance Company is now presented on the official Lilypad Insurance platform. For Homeowners, the public-facing guidance shows availability...

Verified public guidance is limited and consumer-facing rather than a formal producer appetite guide. For Home, Center Mutual currently markets personal-lines h...

CCIC’s currently published official guidance is more marketing-oriented than a formal public appetite guide, but the site does confirm an active personal-lines...

Central’s current official producer-facing appetite emphasizes Small Business and BOP/CLP placement. Preferred small-business targets include retail/services su...

No standalone public appetite or producer underwriting guide was found. Current official public guidance indicates Century Mutual is a North Carolina statewide...

No verified public official underwriting, appetite, producer, broker, or submit-business page specific to Century National Insurance (Kramer-Wilson Company) was...

Verified public guidance is limited; no separate public underwriting appetite or producer-only submission guide was found on the official site. Current publishe...

Chesapeake Employers’ current published appetite is focused on workers’ compensation for businesses with employees or operations in Maryland. The carrier states...

Chubb’s currently published U.S. commercial underwriting guidance centers on its official Commercial Risk Appetite Tool for agents and brokers. The tool is inte...

Church Mutual’s currently published broker guidance is centered on specialty placement for purpose-driven organizations. Preferred segments called out on the of...

Church Pension Group’s Church Insurance Companies position their property/casualty offering as a specialty program for The Episcopal Church, specifically Episco...

Cincinnati Insurance currently markets standard personal, commercial, and life products through local independent agents, with excess and surplus business handl...

Citizens Property Insurance Corporation is Florida’s residual market carrier; current producer guidance is centered on agent resources, policy submission guides...

Clearcover’s verified public producer guidance is centered on personal auto written through its agent portal and support hub rather than a traditional public ap...

Verified official website and producer-facing appointment page, but no public underwriting appetite guide, risk appetite bulletin, or submit-business class guid...

Verified public-facing guidance is limited; no formal online underwriting manual, appetite guide, or producer submission portal/page was found on the carrier’s...

Verified current public-facing carrier site has moved from caic-insco.com to Gulf States Insurance Group. Coastal American Insurance is presented as the Mississ...

Cochrane & Company presents itself as a wholesale general agent / broker with binding authority with multiple carriers and brokerage access for more complex acc...

Colorado Casualty appears to be handled within Liberty Mutual Business Insurance rather than on a standalone carrier site. No public, Colorado-Casualty-specific...

Verified public-facing guidance is marketing/appetite-oriented rather than a formal downloadable underwriting guide. Columbia Insurance positions itself as a mu...

Official site content verified for Columbia Lloyds shows personal lines property products marketed through independent agents, with Columbia Lloyds and MDOW sta...

Officially verified carrier is Commerce West Insurance Company, a MAPFRE affiliate. MAPFRE identifies Commerce West as domiciled in California, admitted in AZ,...

No official underwriting/appetite guide or producer submission page was verified on the public site. The provided underwriting page URL returned 404 and could n...

Companion Group’s current public-facing producer guidance is centered on Companion Life’s agent and document resources rather than a formal public underwriting...

No public official underwriting or appetite guide was verified on the carrier’s website. Publicly available guidance supports only a high-level operating profil...

Conifer Insurance Services currently presents itself as a specialty MGA distributing through independent retail and wholesale agencies, with delegated underwrit...

No formal carrier underwriting or appetite guide was found on the official site. Consumers Insurance appears to operate as an independent retail agency/broker r...

CopperPoint’s verified public appetite centers on Workers’ Compensation, segmented by Small Business (up to $25k premium), Middle Market ($25k to $500k), and La...

Cornerstone Insurance Producers, LLC presents itself as a specialty MGA and wholesale platform with nationwide licensing and a 50-state footprint. Currently pub...

Coterie’s current producer-facing appetite materials show a national small-business focus with admitted BOP, GL, and Professional Liability products available i...

Countryway publicly positions itself as a personal-lines carrier serving farms and rural communities in eight Northeastern states plus Kentucky, distributed thr...

CoverTree positions itself as a specialty personal lines/manufactured housing program administrator for the U.S. market, acting as agent for Markel American Ins...

Crestwell Underwriters is currently positioned as a specialized commercial residential property MGA/underwriting platform focused on community association risks...

Verified official public guidance remains product-level rather than a true underwriting/appetite guide. For Homeowners, Cumberland Mutual markets standard owner...

Cypress Property & Casualty Insurance Company currently presents itself as a regional personal/property carrier writing through agents in Florida and Texas. Off...

Verified public guidance is product-facing rather than a formal broker appetite guide. For Home, DMC Mutual markets its Home-Guard policy for homeowners/mobile...

Verified current published guidance indicates DTRIC is no longer a growth market for new Home business. The carrier states it is transitioning to a run-off insu...

Dairyland’s verified official producer-facing page is an agent/broker appointment and sales-support page rather than a formal public underwriting or appetite gu...

Official site verified as Guardian Mutual Insurance Association, formed in January 2024 following the merger of Dallas Mutual, Glidden Mutual, and Marion Mutual...

Verified public guidance is limited and appears consumer-facing rather than a formal broker appetite guide. Current published appetite supports personal lines p...

No formal public underwriting appetite or broker submission guide was found on the carrier’s official website. Current published guidance indicates De Smet Farm...

No verified official Deerbrook-specific underwriting or broker appetite guide was found on Allstate’s public site. The verified current public evidence supports...

Delos currently publishes an official California-focused homeowners positioning and producer-access message, but no verified public official underwriting/appeti...

Discovery Insurance is a North Carolina-based carrier focused on personal automobile insurance, with stated emphasis on the nonstandard auto market and distribu...

Verified public-facing guidance remains high level rather than a detailed public appetite guide. Donegal positions itself as a regional writer for small to mids...

Dryden Mutual distributes business exclusively through appointed independent agents in New York State. Coverage is limited to New York properties and commercial...

Verified official producer-facing page is the EMC Agents portal. Publicly posted guidance emphasizes distribution through independent agents and local EMC offic...

Verified official guidance indicates Eagle Mutual is a Kansas-only mutual insurer focused on basic property protection for Kansans rather than broader, more com...

Official website confirms Eagle Point Mutual writes a broad property portfolio and specifically offers Homeowners coverage, including options described as marke...

Eastern Alliance is a monoline workers’ compensation writer. Its public-facing appetite is organized around Traditional, Loss Sensitive, Specialty Risk, and sma...

Official site does not publish a formal underwriting or appetite guide. Current public guidance shows Eastern Iowa Mutual as a local Iowa county mutual focused...

Verified public guidance remains limited and is product-marketing oriented rather than a formal public appetite guide. Eastern Mutual writes through local indep...

Verified public-facing guidance indicates Edison Insurance Company is a Florida-focused personal property carrier offering homeowners and condo coverage through...

Verified official home guidance remains a consumer-facing Homeowner Packages Coverage Comparison Chart rather than a formal broker appetite guide. Current publi...

No current official underwriting, appetite, producer, broker, or submission guidance could be verified on the carrier’s public website. The verified website is...

Verified official producer-facing guidance is limited to Elephant’s agency partnership page rather than a formal underwriting or appetite guide. Current publish...

Embark’s verified home offering is focused on newly built homes and appears positioned for builder agencies and approved communities. The official property page...

Embrace Pet Insurance Agency, LLC is a U.S. personal lines pet insurer/administrator focused on cats and dogs, offering accident and illness pet health insuranc...

EMPLOYERS publishes a workers’ compensation appetite focused on small businesses in low-to-medium hazard industries. The carrier states its underwriting focus i...

Verified current public guidance appears to be consumer-facing rather than a public producer appetite guide. Encompass currently markets personal lines only, ce...

Equity Insurance Company currently publishes a consumer- and agent-facing personal auto offering only, distributed through a network of independent agents in Ok...

ERIE’s public-facing commercial guidance remains agent-driven rather than a formal published appetite guide. Current official business pages position ERIE for s...

Verified official personal-lines product guidance is published on Erie and Niagara’s Personal page. For Home, the carrier’s clearly targeted business is owner-o...

Eventual is not a traditional homeowners carrier and no separate public underwriting/appetite guide was verified. Its publicly posted producer-facing guidance i...

Everest’s verified U.S. guidance for this carrier is strongest on Middle Market Umbrella & Excess Casualty, with supporting U.S. product pages for Retail Proper...

ICW Group publishes official workers’ compensation submission guidance applicable to Explorer Insurance Company as part of the ICW Group carrier family. Current...

Official site review found no detailed public appetite guide, class list, or broker submission manual. Current published guidance indicates Fairmont Farmers Mut...

Verified official guidance is limited and appears oriented to personal auto distributed through independent agents. Falcon publicly emphasizes auto policies, ag...

No formal underwriting or appetite guide for Home was publicly posted on the verified official site. Current published guidance indicates Farmers & Mechanics is...

Farmers Alliance is a regional carrier focused on predominantly rural markets and distributes through independent agents in Colorado, Idaho, Kansas, Montana, Ne...

Verified public guidance remains limited and consumer-facing rather than a true underwriting or appetite guide. Farmers Fire presents itself as a Pennsylvania-f...

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

Official website confirms Farmers Mutual Insurance Company of Western Pennsylvania (also known historically as Farmers Mutual Fire Insurance Company of McCandle...

Verified official website and homeowners product page, but no formal public underwriting manual, appetite guide, producer/broker submission guide, or detailed e...

Verified official site still routes quoting through independent agency partners rather than direct submission. No newer verified public personal-lines/home unde...

Verified FMH Iowa Property Manual remains the clearest official underwriting source for Iowa home/property business. For Home, FMH is farm-focused and does not...

No dedicated underwriting, appetite, broker submission, or producer guideline page was verified on the official website. Current published guidance indicates Fa...

No verified official underwriting/appetite PDF or producer submission guide was accessible at the provided underwriting URL; the supplied PDF link returned 404....

No dedicated public underwriting or appetite guide was found on the official site. Current published guidance indicates the carrier writes property and liabilit...

Officially published homeowner guidance remains the FMIC Homeowners Program underwriting rules PDF. Carrier footprint and marketing are West Virginia-focused; t...

Official site currently publishes product/coverage guidance rather than a broker-only appetite guide. For Home, the carrier appears broadly positioned for Misso...

Official website currently presents only high-level consumer-facing product guidance rather than a detailed underwriting or broker appetite guide. Verified Home...

Verified official homeowners underwriting guidance is still published on Farmers Mutual Insurance Company’s website as a 3-page Homeowners Program underwriting...

Official producer-facing underwriting guidance is available on FMT’s homeowners manual page rather than only the older one-page risk selection summary. Current...

No verified public underwriting, appetite, producer, broker, or submission-guideline page was found on the official Farmers Pioneer Mutual Insurance Company web...

Verified current public guidance is limited and consumer-facing rather than a formal producer appetite guide. For Home, Farmers Union Mutual Insurance Company p...

Official site indicates a regional personal-lines carrier writing business through independent agents in Michigan’s Upper Peninsula. For Home, preferred busines...

Verified current official site remains FedNat. I did not verify a current official underwriting/appetite guide on FedNat’s own domain; the provided PDF appears...

No dedicated public underwriting, appetite, or broker submission guide was found on the official site. Current official positioning indicates Fergus Farm Mutual...

Verified official guidance is limited to Kemper’s public Commercial Auto product pages rather than a detailed broker-facing appetite guide. Current published po...

Official site content does not show a standalone underwriting or broker appetite guide for Home, but the published consumer/product pages indicate Finger Lakes...

Verified current position: Fireman’s Fund Insurance Company is no longer presented as an active standalone personal-lines market. Official Allianz pages state F...

Verified change/current status: First American Property & Casualty Insurance Company states it has stopped writing new personal lines insurance policies and is...

Verified current public guidance is consumer-facing rather than a producer appetite guide. For Homeowners, FICOH markets Hawaii-tailored coverage for owner-occu...

Verified official website and product/services page. No standalone public underwriting or appetite guide was found, but the carrier’s published materials indica...

Official public-facing producer guidance appears limited. FMIC is actively expanding independent agent representation in North Carolina, South Carolina, and Ten...

Verified current public guidance is on Markel’s small business workers compensation page; no separate public FirstComp-specific appetite or underwriting guide w...

Florida Family’s verified public agent resources indicate active Florida homeowners appetite supported by product-specific underwriting reference guides for HO3...

Verified public guidance remains centered on Florida personal residential business. The official public underwriting/appetite document I could verify is still t...

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

No standalone underwriting, appetite, or producer submission guide was verified on the official site. Current published guidance indicates Floyd County Mutual w...

Foremost’s currently published marine guidance shows a broad personal watercraft and boat appetite. Official consumer and agent materials indicate eligibility f...

Foremost Signature appears to be positioned as Foremost’s premier standard-to-preferred personal lines offering for Home and Auto, with emphasis on higher-end p...

Forge’s published small business appetite is for light, local commercial auto risks where the vehicle is a tool of the business rather than the core business op...

Forreston Mutual’s publicly posted appetite is personal lines/property-focused and Illinois-only. For Home, the company states it serves owner-occupied small to...

Forward Mutual currently presents itself as a Wisconsin-focused mutual insurer serving home and farm owners throughout Wisconsin. For Home, the official product...

Verified current official public/agent-facing Homeowners underwriting page for Founders. Home program is positioned broadly for owner-occupied risks in Illinois...

FWCI’s current producer-facing guidance is centered on Workers’ Compensation, with additional contractor/general liability material and general agent portal gui...

Frankenmuth Insurance’s publicly available commercial underwriting guidance is product- and industry-oriented rather than a formal appetite guide. For Commercia...

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

Verified public-facing guidance remains limited and marketing-oriented rather than a formal appetite guide. Franklin Mutual Insurance is distributed exclusively...

Frederick Mutual’s current published guidance centers on small commercial business, not personal lines. The official 2024 Agent Guide shows a six-jurisdiction c...

Verified official guidance is California-focused and centers on the Western General Classic private passenger auto program. Preferred/target business appears to...

Fremont publishes producer-facing quick reference guides and review checklists rather than a single modern appetite guide. The verified underwriting hub is the...

Verified official site indicates Frontier-Mt Carroll Mutual is an Illinois-focused mutual insurer whose primary business is devoted to protecting policyholders...

Verified official public website and official producer portal, but no publicly accessible official underwriting/appetite/submit-business guide was retrievable f...

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

GAINSCO’s currently verified public producer guidance is for nonstandard/private passenger personal auto written through MGA Insurance Company, Inc. Public agen...

GEICO markets Home coverage through GEICO Insurance Agency rather than a single filed public appetite guide; homeowners coverage is placed with affiliated and n...

Verified current guidance appears to be on QBE US under Programs, with the named underwriting page focused on Workers Compensation program business rather than...

Official site confirms Genesee Patrons is a New York-only carrier and writes through local agents. Current homeowners guidance is limited but indicates a person...

GeoVera’s currently published guidance emphasizes catastrophe-focused residential business rather than broad standard-market homeowners. For Florida surplus lin...

German Farmers Mutual Insurance Company positions itself as a rural Ohio personal/farm mutual focused on residential and agricultural property risks. Published...

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

Verified official guidance remains consumer-facing rather than a published broker appetite guide. Current published Home focus is Texas-only owner property cove...

No verified public underwriting or appetite guide was found on Germantown Mutual’s official site. Public-facing guidance indicates the carrier writes property a...

Verified official website only. No official underwriting, appetite, producer, broker submission, or risk guide page could be verified from the carrier/agency si...

Official appetite guidance is published on Glatfelter’s Appetite Guide & Applications page. Glatfelter writes specialized niche commercial business rather than...

Verified current guidance is published under Liberty Mutual Business Insurance’s wholesale-distribution industry page rather than a separate Golden Eagle-brande...

Verified public guidance is consumer-facing rather than a formal underwriting/appetite guide. Current published Home focus is standard personal residences writt...

Verified official guidance remains limited and marketing-oriented rather than a formal appetite guide. Grand River presents itself as a commercial lines program...

Grange’s verified official underwriting/appetite guidance remains centered on a digital commercial risk appetite tool for appointed independent agency partners,...

Verified official consumer-facing home insurance guidance only; no public official underwriting appetite guide, broker submission manual, or producer-only home...

Verified official site shows GCW is a Virginia-only property writer represented by independent agents across the state, with more than 70 agencies in 85+ locati...

Great American’s verified small commercial guidance for this distribution appears under Alternative Distribution / Commercial API rather than a traditional reta...

Great Bay Insurance Company currently publishes a coastal New Jersey homeowners program focused on owner-occupied home risks in NJ, especially Jersey Shore expo...

Great Lakes Mutual currently publishes consumer and agent-facing guidance indicating a Michigan-only personal property insurer with emphasis on homeowners and r...

Current official website content shows a consumer/agent-facing personal lines carrier with limited publicly posted underwriting detail. Verified Home product is...

No verified public underwriting, appetite, or producer-only submission guide was found on the official site. Public-facing guidance indicates Great Rivers Mutua...

Great West’s published Workers Compensation guidance is trucking-focused rather than a broad multi-industry appetite. The carrier positions itself as a commerci...

Verified official underwriting access is through Grinnell Mutual’s Agent Manuals page, which states all line-specific manuals are available online by state and...

Official website content shows Guardian Mutual Insurance Association writing personal home and farm property business through local agents, with a visible 2026...

GuideOne’s current official site positions the carrier as a niche writer for organizations that strengthen communities, with primary focus on religious organiza...

Verified official guidance remains limited and appears producer-operational rather than a formal public appetite guide. Gulf States positions itself as a Gulf C...

No active underwriting, appetite, producer, broker, or submission-guidance page could be verified for Gulfstream Property and Casualty Insurance Company. The ve...

Hagerty’s current published agent guidance is centered on collector vehicle eligibility. Preferred business is enthusiast/collector vehicles used for club funct...

Official site evidence shows Halifax Mutual is a North Carolina-focused regional mutual insurer serving North Carolinans. For Home, the published appetite inclu...

Verified current Hallmark personal-lines guidance for the Home-related product appears to be renters, not traditional homeowners. Hallmark Personal Lines market...

No formal underwriting or producer appetite guide was found on the official site. Current published guidance indicates Halstad Mutual is a Minnesota property wr...

Hanover Fire & Casualty’s currently published appetite is personal residential property with a clear non-standard/underserved niche focus. For Home, the carrier...

Harford Mutual currently publishes a commercial appetite page titled "Classes of Focus" and indicates it writes a wide variety of commercial classes through its...

Harleysville business is now branded under Nationwide, with appointed agents still able to access the Harleysville agent portal for CL/PL quoting and servicing....

Verified official public guidance is limited and consumer-facing rather than a formal underwriting or broker appetite guide. Current published Home guidance ind...

Verified public-facing guidance remains marketing-oriented rather than a formal appetite or producer underwriting manual. Hastings publicly positions itself as...

Official site content supports a Hawaii-focused personal lines homeowners product, with companion hurricane coverage also offered. Published positioning emphasi...

Verified public guidance is limited and appears consumer-facing rather than a formal underwriting or producer appetite guide. Current official website states Ha...

Official published guidance is housed in Heartland Mutual’s Manual page, which includes a 2024 Underwriting Section, General Section, rates, value guide, claims...

Verified official producer access is through the Agent Login page rather than a public appetite guide. Current published guidance indicates Heritage writes pers...

No separate public underwriting, appetite, or broker submission guide was found on the verified official site. Current published guidance is high-level only. Th...

Hippo Insurance Services currently presents itself primarily as a digital home insurance agency/MGA rather than publishing a detailed public underwriting or app...

Verified official guidance remains limited and consumer-facing rather than a formal broker appetite guide. For Home, Hochheim Prairie publicly markets standard...

Verified official underwriting guidance is published on HOAIC’s producer help site, organized by state. Current published appetite indicates a personal lines ho...

Verified current public-facing Homesite pages show a consumer-oriented small business and personal lines platform rather than a detailed broker appetite guide....

Verified official guidance remains consumer-facing rather than a true underwriting/appetite guide. For Home, Homestead Mutual markets primary-owner occupied hom...

Honeycomb’s currently published agent guidance positions the carrier as a focused habitational market only. Preferred business includes condo/HOA associations,...

Verified public-facing guidance is retail/consumer-oriented; no dedicated producer/broker appetite guide, underwriting manual, or submit-business page for Home...

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

Verified current public guidance is through Hawaiian Hurricane Group, the Hawaii managing agency for Hyundai Marine & Fire Insurance Company Ltd. (US Branch), r...

Verified current guidance is limited and state-specific rather than a full public appetite guide. For Minnesota/Wadena business, IMT publicly states it has rese...

Chesapeake Employers Insurance Company (formerly IWIF brand legacy content remains on parts of the site) publishes an open Maryland-focused workers’ compensatio...

Officially published guidance is producer-facing rather than a formal public appetite guide. Idaho State Insurance Fund positions itself as an Idaho-focused wor...

Illinois Casualty Company positions itself as a specialist food-and-beverage carrier with a broad hospitality appetite centered on establishments serving food a...

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

Indiana Farmers’ verified public commercial guidance is marketing-level rather than a formal public appetite guide. The carrier writes through independent agent...

Encova/Indiana Insurance Company’s verified public commercial guidance is housed under Encova. For larger middle market/strategic accounts, Encova’s Strategic A...

Verified current public guidance appears to be agency-facing/consumer submission guidance rather than a formal carrier appetite guide. Infinity Insurance Agency...

Verified current official website is Insurance House. The current public site is now positioned primarily around non-standard Private Passenger Auto and agent a...

Official producer-facing guidance appears on AssuranceAmerica’s agent/partner pages rather than a detailed public appetite guide. Current published positioning...

Verified official producer-facing guidance is limited. The carrier’s agent page currently functions more as a portal than a formal appetite guide and specifical...

InterGuard is part of Berkshire Hathaway GUARD and its producer-facing guidance is housed on the Agents & Brokers portal. Current published agent guidance empha...

Verified carrier brand is Encova Insurance, not a standalone Iowa Mutual site. Current public-facing guidance emphasizes small commercial/package and workers’ c...

Official website currently positions JCM Mutual as a local property insurer writing through local agents in southeast Iowa, with core offerings for home, farm,...

JSA is an E&S/specialty broker serving independent agents across the Southeast, with online quoting and submission tools plus direct underwriter access. Current...

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

Official public-facing guidance emphasizes a niche appetite for jewelry businesses rather than broad middle-market classes. Preferred insureds include independe...

Johnson & Johnson, Inc. is operating as a U.S. wholesale broker/MGA-style intermediary serving insurance professionals nationwide, with commercial underwriting...

Verified current official site and an official Homeowner Underwriting Guidelines PDF link remains published. Publicly accessible carrier content indicates Junia...

No current official underwriting/appetite/product guide for Home was verified on KW Specialty’s official website. The previously supplied PDF is not on the carr...

Verified public guidance for Kemper Auto is consumer- and agent-facing rather than a true public underwriting appetite guide. Current published positioning indi...

No verified official underwriting, appetite, or producer-facing submission guide specific to Kemper Auto Reciprocal was found on Kemper’s public website. The pr...

Kemper’s current official public-facing material does not show a verified standalone home underwriting or appetite guide for Kemper Preferred or Kemper Specialt...

Official site content shows Kentucky Growers is a mutual P&C writer focused on homes and farms in rural and suburban Kentucky. The published product menu extend...

Verified current official consumer site at kynat.com and an official Kentucky National/Stingray-hosted homeowners underwriting manual link. Kentucky National ma...

No verified public-facing underwriting or broker appetite guide was found for Keystone Insurance Co / AAA Mid-Atlantic on the official site. Current official co...

Verified public guidance is limited, but Kingstone’s official site currently presents a personal lines/property-focused appetite centered on homeowners and rela...

Verified official guidance is limited; no public appetite guide, underwriting manual, or submit-business document was found on the carrier site. The official ag...

No public-facing personal lines underwriting or appetite guide specific to Le Mars Insurance Company was verified on the official site. Based on current officia...

Verified current public guidance is on Kemper’s Commercial Auto page rather than a distinct Leader National underwriting appetite guide. Kemper markets this as...

Verified current public guidance is a carrier Product Overview dated October 2025 plus product pages on the official site. For Homeowners, Leatherstocking targe...

Verified official guidance remains limited and operational rather than class-by-class appetite. Legacy’s published underwriting page states its underwriting act...

Lemonade’s verified publicly available homeowner underwriting guidance is consumer-facing rather than a formal broker appetite guide. Current published position...

Liberty Mutual Business Insurance currently publishes a broad commercial solutions platform rather than a single detailed public appetite guide. The verified co...

No carrier-specific North Pacific appetite guide or Liberty Northwest-only underwriting bulletin was publicly verified on the official site. Current published g...

Lighthouse’s public site is now primarily a receivership/liquidation information site, so current new-business appetite appears inactive on the verified public...

Lilypad currently publishes consumer-facing rather than detailed broker appetite guidelines for Homeowners. Verified official guidance indicates a coastal-focus...

Verified public guidance is limited and consumer-facing rather than a formal underwriting/appetite guide. Current published positioning shows Lititz Mutual writ...

LocalEdge Brokerage publishes a broad U.S. wholesale/brokerage appetite rather than a single carrier-style underwriting manual. Current official appetite materi...

Verified official website confirms Loggerhead is a Florida-focused homeowners insurer operating as Loggerhead Reciprocal Interinsurance Exchange and marketing h...

Official April 2025 underwriting guidance is published for agents. Loudoun Mutual writes only property risks in Virginia and distributes through independent age...

Official site does not publish a detailed underwriting or appetite guide, but current public positioning shows Louisa Mutual writes primarily personal and farm-...

Louisiana Citizens is Louisiana’s residual market insurer, not a competitive voluntary-market carrier. For Commercial Property, current public producer guidance...

Lumen Select currently publishes consumer-facing home insurance guidance rather than a detailed public underwriting or broker appetite guide. For Home, the carr...

MAPFRE Puerto Rico’s official business property pages present broad product and service information rather than a formal broker-only appetite guide. For Commerc...

Verified official public guidance is limited and appears to be a basic product listing rather than a true underwriting or appetite guide. MFS Mutual publicly ad...

No verified official carrier website or official underwriting/appetite/producer submission page for MGA Resources, LLC could be confirmed in this refresh. Publi...

Verified official producer resource page for Indiana shows a current Homeowners Manual dated 2.2026, plus an HO Enhancement Quick Reference Guide and related un...

Main Street America currently presents itself as a commercial-focused carrier distributed through independent agents, with emphasis on small business and farm/r...

MEMIC’s verified producer-facing submission guidance is for workers’ compensation only. Core submission requirements are: ACORD 130 workers’ compensation applic...

Verified official commercial underwriting guidance remains published in MMG’s November 2023 Commercial Lines Underwriting Guidelines PDF. MMG distributes throug...

No verified official underwriting, appetite, producer, broker, or submission guidance could be found from Maison Insurance Company. The provided domain, https:/...

Verified public-facing commercial guidance is limited and is centered on Massachusetts small business. MAPFRE’s official business insurance page indicates Massa...

Official site content does not show a standalone underwriting/appetite guide or producer submission manual. Current published guidance indicates Maple Valley Mu...

Markel’s verified public-facing personal lines marine guidance is product-oriented rather than a detailed open appetite bulletin. Current published focus is adm...

Maryland Auto’s published producer-facing guidance is oriented to non-standard auto business in Maryland rather than a detailed public commercial auto appetite...

Verified official guidance is limited and product-focused rather than a formal published appetite guide. Current published positioning shows Marysville Mutual w...

MPIUA is the Massachusetts FAIR Plan and writes basic property insurance for eligible Massachusetts risks unable to obtain coverage in the voluntary market. For...

Official site does not show a dedicated underwriting/appetite or producer submission guide; current verified guidance is product-page based. For Homeowners, McM...

AmeriTrust publishes a program-driven appetite rather than a detailed carrier-wide class-by-class underwriting guide on the main site. Current guidance indicate...

Medical Mutual Liability Insurance Society of Maryland presents itself as a physician-owned specialist medical professional liability carrier focused on Marylan...

Verified official carrier presence is through AAA / The Auto Club Group rather than a public underwriting or broker appetite guide for Members Insurance Company...

Verified official guidance is available on Mendota’s site for personal auto programs, with a Florida Value Policy Auto Program underwriting guide and a separate...

Verified public guidance is limited and marketing-oriented rather than a formal broker appetite guide. Mennonite Mutual publicly positions itself as a niche car...

No current verified official underwriting or producer/broker guidance could be confirmed for Meramec Valley Insurance Company as an active carrier. The only off...

Verified current official guidance is limited. Merastar Insurance Company is listed by Kemper as an active property-and-casualty underwriting company, but Kempe...

Verified carrier is Mercer Insurance Company under the UFG Insurance group. On the current public UFG site, the published underwriting/appetite guidance is prim...

Merchants Mutual Insurance Company / Merchants Insurance Group is a regional P&C carrier writing through independent agents in MA, MI, NH, NJ, NY, OH, PA, and V...

Verified official public guidance is limited and is primarily consumer-facing rather than a true producer appetite guide. For umbrella, Mercury’s verified publi...

No verified official MetLife underwriting or appetite guide was found for MetLife Auto & Home. Current official positioning indicates this is an employee/group...

Michigan Insurance Company (Donegal affiliate) currently presents itself as a regional commercial carrier for small to midsize businesses, writing through indep...