Search carrier appetite guidance without digging through broker portals.
Browse carrier appetite notes by carrier or product line, then jump directly to the carrier site and underwriting page.
569carriers indexed
1,153product lines mapped
Quarterlyscheduled refresh cadence
Important disclaimer
This carrier appetite library is a general guide only. Appetite, eligibility, class restrictions, submission rules, and binding authority can change without notice.
Always confirm coverage fit and submission requirements directly with the carrier, underwriter, or appointed broker before quoting or binding.
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Showing 569 carriersSearch includes carrier name, product lines, and appetite details
Commercial auto and business insurance (brokered)Homeowners (via partners/limited)Life and ancillary personal products (through partners)Motorcycle QuotesOther personal lines and small business placed as an agencyPersonal Auto (non-standard focus)Renters QuotesRoadside assistanceSR-22 filings
Board & Executive (D&O/Fiduciary/EPLI)Commercial AutoCommercial General LiabilityCommercial Package PolicyCommercial PropertyCommercial UmbrellaImproper Sexual Conduct and Physical Abuse LiabilitySocial Service Professional LiabilityVolunteer/Participant Accident
Condo Unit Owners HO6Dwelling Fire DP1Dwelling Fire DP3Equipment BreakdownFloodHomeowners HO3Identity TheftManufactured HomeManufactured Home Renters MH4Renters HO4
Business Owners PolicyCommercial AutoCommercial Package PolicyCommercial UmbrellaFarmowners and related farm coveragesHomeowners / Personal LinesPersonal AutoWorkers Compensation (limited/regulatory listing)
Boat / Watercraft QuotesBusiness Insurance (multi-line commercial P&C)Commercial Package PolicyCommercial PropertyCommercial UmbrellaHomeLife Insurance (via Cincinnati Life)Management Liability and Professional LinesPersonal Auto and Other Personal LinesReinsurance (Cincinnati Re)Workers Comp
Business AutoBusiness Owner PackageCommercial General LiabilityCommercial Package PolicyCommercial PropertyCommercial UmbrellaDirect Bill CommissionsInitial LoadWebsite IntegrationWorkers Comp
Behavioral health administration via Companion Benefit AlternativesCaptive and affiliated programs via Companion CaptiveEmployer group plans (10+ lives, some smaller groups via distributors)Group dentalGroup life and AD&DGroup visionLong-term disabilityShort term medical (A&H)Short-term disabilitySupplemental health / limited benefit medicalVoluntary life
ADU (Accessory Dwelling Unit)Blanket Residential Liability (BRL) for MH communitiesLandlord / Tenant (LRO) for MH unitsManufactured HomeownersMobile HomeownersPark Model / Tiny HomeStationary Travel TrailerVacant/Seasonal Manufactured or Mobile Homes
Commercial liability (program administration capabilities mentioned but not detailed)Embedded/affinity personal linesHomeowners / Residential Property (including manufactured/mobile homes)Personal Auto (non-standard)Program business via carrier partnerships
Boat / Watercraft (typically written via separate personal watercraft markets or as endorsements; not a core Encompass-branded line)HomeHome BusinessPersonal AutoPersonal Umbrella
Artisan ProgramBusinessowners (including Churches)Commercial Property and LiabilityComprehensive Personal and Farm LiabilityDwelling FireFarmownersHomeMobile Homeowners
Boat / Watercraft QuotesHigh-net-worth personal lines (home, auto, valuables, yacht) formerly written on Fireman’s Fund paper now under Chubb/ACE; no current direct Fireman’s Fund personal-lines appetite publishedHome
Auto (mentioned in third-party directory listings, not clearly confirmed on carrier site)Business OwnersCommercialFarmHomeInland MarineLiabilityTenantUmbrella
Business AutoBusiness Owner PackageCommercial General LiabilityCommercial PropertyCommercial UmbrellaDirect Bill CommissionsInitial LoadWebsite IntegrationWorkers Comp
CondominiumDwelling fire / dwelling propertiesHomeMobile home (per Demotech filing – confirm with carrier)Property-only package with optional liabilityRenters contents
Cargo / Physical Damage and related coveragesCommercial Auto – Motor Carrier TruckingTrucking GL and ExcessWorkers Compensation – Trucking/Owner-Operators
1990 and newer enthusiast vehicles, including exotics/supercarsAutomotive lifestyle and marketplace servicesCollector / classic auto (cars, light trucks, SUVs)Collector boats and watercraftCollector motorcyclesMembership / Hagerty Drivers Club (non‑insurance)Motorsports / track-day and related coverages (ancillary)Vehicles under restoration and project vehicles
Commercial AutoCommercial PropertyGeneral LiabilityHomePersonal Auto and Property under Nationwide brandSmall Commercial Package/BOPUmbrellaWorkers Comp
Condominium (HO6) – FL and selected statesHomeHomeowners (HO3) – FL, CA and selected coastal statesRental/landlord and dwelling fire – selected statesWind-only and takeout programs in FL and certain coastal states
Commercial Package PolicyCommercial landlord package for 1–4 family rentalsCondominium and HOA/COA master policiesMultifamily/apartment buildingsNon‑admitted/Specialty habitational property program
Business AutoBusiness Owner PackageCommercial General LiabilityCommercial PropertyCommercial UmbrellaDirect Bill CommissionsInitial LoadWebsite IntegrationWorkers Comp
Excess floodHigh value / collector autoHigh value homeownersHigh value watercraft / yachtHomeMotorcycle and off-road vehiclesPersonal autoPersonal umbrellaPersonal watercraftTerm life (through partner program)Vacant and rental dwellingsValuable articles
Businessowners/Commercial Package for Jewelry BusinessesCare Plan/Service ContractsCommercial PropertyCommercial UmbrellaJewelers Block (Inland Marine)Personal Jewelry (standalone)Shipping and related industry services
Businessowners Policy (BOP)Commercial Fire & LiabilityDwelling FireDwelling Fire Mobile HomesHomeInland MarineLandlordsMobile Homeowners & Seasonal Mobile HomesSeasonal ResidencesSpecial Multi-Peril (SMP)Tenant Homeowners
Boiler & MachineryCommercial Auto (incl. buses, school transport)Commercial Dwelling (dwellings converted to business)Commercial Property (Multiline/Commercial Package)CrimeGeneral Liability (as part of Multiline)Homeowners/DwellingInland Marine / Maritime RisksLife and HealthPersonal AutoTravel
Agricultural BusinessBoat / Watercraft QuotesBusinessownersCommercial AutoCommercial UmbrellaContractorsFirst Class Portfolio (high net worth personal package)Garage ProgramHarder-to-place Workers Compensation (Midwest Family Advantage)HomeMotor CarrierPersonal AutoPersonal UmbrellaPortfolio of Personal LinesWorkers Comp
Auto and other personal lines (not refreshed here)Boat / Watercraft QuotesBoat/Watercraft (only limited, general expectations inferred from homeowners materials and generic NatGen standards)HomeHomeowners (state-specific guidelines reviewed: IL, LA)
AgribusinessBoat / Watercraft QuotesCommercial Package PolicyCommercial PropertyCommercial UmbrellaExcess & Surplus/Specialty via Nationwide E&SFloodHomeMiddle Market CommercialPersonal Auto and other Personal LinesSmall Commercial Package (BOP and industry programs)SuretyWorkers Comp
Commercial (small to mid-size, limited public info)CondominiumDwelling FireFarm Fire & Inland MarineFarmownersHomeMobile HomePersonal Umbrella / Personal Liability add-onsRental HomesRenters QuotesSeasonal Homes
CondoDwelling under constructionFlood (via partner/endorsement)HomeLandlord/Rental (DP3)Residential condo/HOA packageScheduled Personal PropertyTownhouse
Ancillary coverages (umbrella, executive liability, bonds, etc.)Businessowners (VISTA) for pharmacies and healthcare practicesDental practice package and professional liabilityHome health and home medical equipment providers packageLife sciences / related healthcare servicesPersonal lines (homeowners and related) – largely exited in many areas; confirm availability per statePharmacy professional & products liability (PSP)Professional liability for individual pharmacists and techniciansSenior living / long-term care facilities packageSurety/fidelity and various ancillary coverages via affiliatesVeterinary practice package and professional liability
AutomobileDomestic workers’ compensation (personal, for household staff)FloodHigh value homeownersJewelry and fine artPersonal excess/umbrella liabilityPersonal lines flood for high-net-worth membersWatercraftWorkers Comp
Commercial General Liability (E&S and admitted)Commercial transportation and other E&S auto coveragesExcess Commercial LiabilityOther specialty admitted and surplus lines segments noted in filings (property, professional, marine, etc.)Personal Umbrella (stand‑alone)Transportation – Hired & Non-Owned Auto (E&S Auto)
CondoDwelling FireExpanded Markets placements with partner carriersFlood (endorsements and standalone via partners)HomeLandlordManufactured HomeSmall Commercial BOP
Dwelling Fire (residential property)Farmowners (personal/commercial overlap)HomeInland Marine (personal)Manufactured/Mobile HomePersonal UmbrellaRenters QuotesSeasonal/Secondary Home (as part of Homeowners)Small Commercial Property & Liability
Commercial Auto – transportation/public auto & trucking (via Stonewood programs with MGAs)Personal Auto (non‑standard, via MGAs/programs using Stonewood Insurance Company paper)Workers Compensation (program/individual risk via Stonewood Insurance Company)
Business PropertyBusinessowners (including lessors risk, habitational, and other small commercial)Commercial Umbrella (Excess Liability)CondoCondo AssociationCyber LiabilityDwelling FireEquipment BreakdownFloodGeneral LiabilityHomeHome Cyber ProtectionHome Systems Protection with Service Line CoverageIdentity RecoveryLoss of Business Income & Extra ExpensePersonal UmbrellaRenters QuotesWater BackupWatercraft
Captive and alternative risk solutionsMedical professional liability (physicians and surgeons)Medical professional liability for advanced practice clinicians (APCs)Medical professional liability for hospitals and healthcare organizationsPrivate equity healthcare portfolio solutionsRegulatory risk (MediGuard) and cyber (CyberGuard) packaged with MPLRelated general liability where available
Accident & health and niche programs via affiliatesAlternative risk structures (RPGs/RRGs)Entertainment / amusement / family entertainment centersLawyers and accountants professional liability (via Protexure assets)Management & professional liability (D&O, EPLI, fiduciary, crime, cyber)Marine/complex property & inland marine (via Parks Plus/Intersure assets)Program business (multi-line, specialty commercial)Specialty property & CAT propertyUmbrella & excess liability (supported and unsupported)Various specialty programs acquired via Westcap, Limit Insurance, and other MGUs/wholesalers
Credit & Political Risk / Coverage for Financial InstitutionsEnergy and Marine specialty linesFinancial lines via Lloyd’s Syndicates 510 and 4141Marine TradesMedia & Technology / Errors & OmissionsProfessional Indemnity / Professional Risks (UK & Canada portals)Public Risk Group (public entities package and liability)SuretyTrade CreditTransaction Risk (M&A / warranty & indemnity)Various specialty P&C and surety written via underwriting teams
Commercial coastal property/BOP with wind (via program partners)Dwelling Fire (DP1/DP3 via Tower Hill Specialty/Prime)FloodHomeHomeowners (HO3/HO5 and variants)Private Flood (tower-hill-branded, underwritten by RenaissanceRe/Hiscox)Residential property programs in FL and select other states
Non-standard personal auto liability and physical damage (via United Equitable Insurance Company, IL)Personal auto (non-standard) via American Heartland Insurance Company (multi-state P&C)Premium finance via Lakeshore Finance Company
Boat / Watercraft QuotesCommercial Package PolicyCommercial PropertyCommercial UmbrellaE&S/Specialty commercial via UFG SpecialtyHomeReal estate LRO (office, retail/service, strip malls)Reinsurance (treaty and program business)Retail, distributor, service, office, contractor and restaurant classes for small commercialSmall Business BOP and related commercial package productsWorkers Comp
Dwelling property (part of P&C portfolio)HomeLife insurance and annuities via United Heritage LifeOther personal/commercial P&C lines via United Heritage Property & Casualty and Sublimity InsurancePersonal autoUmbrella
HomeResidential property (homeowners) via Universal Property & Casualty and affiliated carriers, underwritten by Evolution Risk Advisors (formerly Universal Risk Advisors) as MGA
Business AutoBusiness Owner PackageCommercial General LiabilityCommercial Package PolicyCommercial PropertyDirect Bill CommissionsHomeInitial LoadPersonal AutoPersonal UmbrellaeDocs