Align General Insurance Agency Inc.
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
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
Align General Insurance Agency, LLC operates as a specialty program administrator with a focus on commercial casualty, particularly excess liability and specialty auto, written on behalf of A‑rated carrier partners. PREFERRED / TARGET BUSINESS - Commercial Excess Liability: Targeted to support primary GL/auto programs for a range of middle‑market and specialty accounts. Program materials highlight strong appetite for auto‑driven risks and specialty auto exposures, including auto services, auto repair and service, auto dealers (franchise and non‑franchise), tire dealers, and towing/salvage operations. Specialty auto and transportation‑related risks are a key focus, along with complementary GL exposures where the underlying is properly structured and supported by loss history. - Specialty Auto / Commercial Auto: Market detail references include local and intermediate trucking; contractor fleets (including heavy and extra‑heavy units); wholesalers; retailers and distributors; and many classes of public livery, with willingness to consider a wide range of account sizes when supported by adequate underwriting information and pricing. RESTRICTED / DECLINED CLASSES (INFERRED FROM PROGRAM SCOPE) - Highly distressed auto fleets with poor loss experience, inadequate maintenance or safety controls are generally non‑target and may be heavily surcharged or declined. - Very hazardous operations (e.g., certain public auto, long‑haul trucking with poor controls, or unsupported catastrophe‑prone premises exposures) are likely restricted unless supported by strong primary programs and controls. - New York is specifically noted as not currently written under the Commercial Excess Liability program; risks domiciled in or primarily operating from NY are outside appetite for that product. GEOGRAPHIC NOTES - Commercial Excess Liability is available on a non‑admitted basis in all 50 states except New York. Surplus lines tax and fees apply and must be handled by the surplus lines broker of record. - Earlier marketing material for commercial auto indicates at least one program historically limited to California; current detailed state‑by‑state availability for each program is not fully enumerated on public pages and should be verified with an Align underwriter or current program sheets by line. SUBMISSION REQUIREMENTS (COMMERCIAL EXCESS) - Submissions to be sent to designated program inboxes (e.g., excess@aligngeneral.com or submit@aligngeneral.com) or as otherwise directed by current program literature. - A complete submission is required, typically including: - Signed and fully completed ACORD applications (GL, auto and umbrella/excess as applicable). - Any required specialty or supplemental questionnaires for higher‑hazard or specialty classes. - Copies of final primary General Liability and Auto quotes (and binders when available), including limits, deductibles/self‑insured retentions, and all forms/endorsements materially affecting coverage. - Five years or at minimum three years plus current year loss runs or loss summaries, currently valued, including large‑loss details. - Underwriters expect clear information on operations, revenue/payroll/vehicle schedules, driver lists and MVR standards, safety programs, and any risk management services in place. BROKER / PRODUCER INSTRUCTIONS AND NOTES - Business is written on a surplus lines basis where indicated; brokers must ensure they and any wholesalers used maintain appropriate surplus lines licensing and filings in the insured’s home state. - Align positions itself as a program administrator; brokers should submit business via the listed submission email addresses or as directed by program contacts and avoid sending incomplete or marketing‑only indications. - Because appetite and available states are program‑specific, producers are advised to review the current program one‑sheets and contact the listed underwriting contacts for: - Confirmation of class and state eligibility. - Minimum and maximum limit guidelines. - Any current moratoria or tightened appetite (e.g., certain auto classes or venues). - Producers should expect underwriters to rely heavily on quality of primary GL/auto terms, pricing adequacy, and loss history; well‑structured primary programs with strong controls and documented risk management will be favored. Note: Publicly available material gives detailed guidance primarily for the Commercial Excess Liability and specialty auto focus; for any other Align programs or updated class lists, brokers should consult the latest program sheets or their Align underwriting contact.