1st Auto & Casualty Insurance Company
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This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
1st Auto & Casualty Insurance Company is no longer an active writing market. The Wisconsin Office of the Commissioner of Insurance (OCI) obtained a liquidation order for Wisconsin Reinsurance Corporation (WRC) and 1st Auto & Casualty Insurance Company effective January 1, 2024. All remaining 1st Auto policies were to terminate in January 2024, and the company is now being administered in liquidation, not as an ongoing underwriting carrier. As a result, there are effectively no current underwriting guidelines, appetite, or submission procedures for new or renewal business: • Preferred / target business: Historically, 1st Auto focused on personal auto, business auto, and personal/farm umbrella coverage largely for policyholders of Wisconsin town mutual insurers reinsured by WRC, but this is now legacy information only and not operational for new placements. • Restricted or declined classes: In practice, all new and renewal submissions must be treated as declined because the company is in liquidation and not accepting new or renewal risks. Producers should not submit any new business or attempt to renew existing accounts with 1st Auto. • Geographic notes: 1st Auto was a Wisconsin‑domiciled carrier with business primarily tied to Wisconsin town mutuals and their policyholders. Under liquidation, there is no active geographic appetite; policies are being transitioned or cancelled in accordance with liquidation procedures and applicable guaranty association rules. • Submission requirements: There are no broker/producer submission paths for prospective business. Current documentation from OCI concerns only proof‑of‑claim procedures, policyholder notices, and liquidation administration details (e.g., how to file claims with the liquidator and guaranty associations), not underwriting or quoting instructions. • Broker / producer instructions: Agents must move any remaining affected insureds to alternative carriers. For any in‑force or legacy claims, agents and insureds are directed to follow OCI and liquidator instructions, including proof‑of‑claim forms and timelines. Agencies should not market or represent 1st Auto as an available market and should rely on state guaranty association and OCI communications for any residual claim‑handling questions. Operationally, treat 1st Auto & Casualty Insurance Company as a liquidated carrier with no active underwriting appetite, no authority to bind or renew, and no producer appointment or submission options.