Alliance United
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
Verified published guidance found for Alliance United’s California private passenger auto program. The available underwriting document is a California Underwriting Guide for the Private Passenger Automobile Program. Alliance United positions the program for individuals and families, distributed through independent insurance professionals. Preferred/target business appears to be California private passenger auto risks for personal use, including some limited business and artisan use, with flexible policy terms and pay plans. Acceptable business use includes sales/service representatives, real estate or insurance agents, lawyers, doctors, accountants, clergy, domestic employee use, and occasional business errands. Artisan use is permitted if the vehicle is otherwise acceptable and operated only by the named insured or listed drivers; no more than two vehicles in a household can be rated for business/artisan use, and underwriting may require photos for those vehicles. Vehicles owned or leased by a partnership or corporation can be considered only if operated by the named insured or resident relative, all drivers are household members and listed, the entity is not the named insured, and use remains personal/commute or otherwise acceptable business/artisan use. Key restricted or declined risks include: drivers with SR filings unless Alliance United insures all household vehicles; applicants/rated drivers without a verifiable MVR or official photo ID with DOB; underage/unpermitted drivers; applicants convicted of insurance fraud; applicants convicted of a motor vehicle code felony; applicants without a permanent residential garaging address; applicants previously cancelled, rescinded, or non-renewed by Alliance United for fraud/misrepresentation; drivers with 3 or more at-fault accidents in 36 months; and drivers with 2 or more DUI/drug-related convictions in 36 months. The guide notes some of these rules do not apply when every driver qualifies as a California Good Driver and all insured vehicles are private passenger type. Vehicle restrictions are material. Declined vehicles include non-private-passenger types such as pickups, vans, or panel trucks over one ton; emergency vehicles; taxis, limousines, buses, or public livery/for-hire vehicles; RVs, motor homes, travel trailers; ATVs, golf carts, tractors/farm equipment, crawler-tread/rail vehicles, or vehicles unable to sustain at least 55 mph; and incomplete chassis, chassis-cab, utility/commercial-type vehicles. Physical damage restrictions also apply in the guide, along with no special equipment coverage; applicants must sign a special equipment waiver declining coverage for non-factory-installed equipment. Named non-owned vehicle coverage is available only on a limited basis and requires a signed supplement disclosure; it does not apply to household vehicles, relatives’ vehicles, employer-owned vehicles, business use, or vehicles to which the insured has regular access. Geographic and territory notes: this is California-specific guidance, SR filings are issued in California only, and policies moving to another state are subject to non-renewal. No coverage of any kind extends into Mexico, so insureds needing Mexico travel must obtain separate Mexican insurance. Submission and broker/producer instructions: brokers do not have binding authority. Online new business receives the effective date/time when electronically submitted and accepted by automated underwriting; manually submitted new business is effective no earlier than 12:01 a.m. the day after receipt postmark. Brokers are responsible for obtaining all required signatures and forwarding required documents. Policy changes should be submitted online through the company website/portal; phone, mail, or fax changes can trigger manual processing fees, and changes remain subject to the same underwriting rules as new business. Additional/replacement vehicles may be added within 30 days of purchase if Alliance United insures all private passenger vehicles in the household; garaging address changes must be reported within 10 days. The current producer access path appears to run through Kemper’s agent portal, which instructs agents to access the Kemper Auto portal and indicates prospective agents should use the “Become an Agent” process. Operationally, use this market as a California non-standard/personal auto outlet with careful household vehicle matching, complete driver verification, and strict adherence to portal submission/documentation rules.