1st Auto & Casualty Insurance Company
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Carrier appetite summary
1st Auto & Casualty Insurance Company is in liquidation and is no longer an active underwriting market. The Wisconsin Office of the Commissioner of Insurance obtained an order of liquidation for Wisconsin Reinsurance Corporation (WRC) and its subsidiary 1st Auto, with the liquidation order entered January 2, 2024 and effective January 1, 2024. All prior personal auto, business auto, and umbrella programs have been terminated and there is no current appetite, underwriting guidance, or submission pathway for new or renewal business.([oci.wi.gov](https://oci.wi.gov/Pages/Companies/Liquidation-WRC-1st-Auto.aspx?utm_source=openai)) Operational implications for agents and brokers: • Market status: 1st Auto is insolvent and in formal liquidation; it is not accepting new submissions, renewals, endorsements, or policy changes other than what may be handled by the liquidator in the context of existing obligations and claim administration. Agents should treat the company as fully closed for placement purposes. • Coverage termination: OCI’s liquidation notice and related materials indicate that in‑force policies were subject to termination in connection with the liquidation effective January 1, 2024, subject to applicable guaranty association provisions and state law. Agents who previously placed business with 1st Auto were directed by OCI and trade groups to notify policyholders of the liquidation and assist with replacement coverage in the admitted market.([oci.wi.gov](https://oci.wi.gov/Pages/Companies/Liquidation-WRC-1st-Auto.aspx?utm_source=openai)) • Geographic scope (historical only): When actively writing, 1st Auto was licensed in Arkansas, Illinois, Iowa, Missouri, South Dakota, and Wisconsin, with authority for automobile, property, liability and related lines. This is historical licensing information only and does not reflect any current underwriting appetite.([oci.wi.gov](https://oci.wi.gov/Pages/Companies/Liquidation-WRC-1st-Auto.aspx?utm_source=openai)) • Historical products (not available now): As part of WRC, 1st Auto historically offered personal auto, business auto (including commercial auto), and personal/farm umbrella, along with related liability coverages. These products are discontinued as a result of the liquidation; no new business or renewals may be written.([oci.wi.gov](https://oci.wi.gov/Pages/Companies/Liquidation-WRC-1st-Auto.aspx?utm_source=openai)) • Producer / agent instructions now: Current official guidance for agents focuses solely on liquidation administration, not underwriting. Agents are directed to: – Cease placing or renewing coverage with 1st Auto. – Provide required written notice of liquidation and coverage impact to any remaining policyholders, in line with OCI’s liquidation communications and trade‑association bulletins. – Direct claimants and policyholders to the liquidator’s contact information and applicable property and casualty guaranty association as indicated in OCI’s liquidation materials. – Submit proofs of claim to the liquidator by the bar date (July 1, 2024) following the official Proof of Claim Instructions; this is a claims/creditor process, not an underwriting or submission workflow.([oci.wi.gov](https://oci.wi.gov/Pages/Companies/Liquidation-WRC-1st-Auto.aspx?utm_source=openai)) • Submission/underwriting guidance: There are no current producer, broker, or underwriting guidelines for writing new business with 1st Auto. All available official documents relate to rehabilitation and liquidation (proof‑of‑claim instructions, guaranty association coordination, agent outreach on liquidation), not risk appetite. Agents must move all existing insureds to alternative carriers and should not represent 1st Auto as an available market for commercial auto or any other line. Because the carrier is in liquidation, there is effectively no preferred, restricted, or declined class structure to summarize for operational placement purposes; the only actionable guidance is not to submit or place any risk with this company and to follow state‑directed liquidation protocols for any remaining obligations.