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, but the located underwriting guide is hosted on a third-party agency site rather than an official Alliance United domain, so no official underwriting_page URL was verified. Current published guidance indicates a California-focused personal auto program for individuals and families distributed through independent insurance professionals. Preferred business appears to be standard private passenger autos, including households where all vehicles are insured together, with optional named non-owned coverage and some business/artisan-use eligibility subject to surcharge and vehicle/driver limits. Acceptable business use includes professional travel, occasional business errands, and certain artisan use when operated only by listed drivers; no more than two vehicles in a household may be rated for business/artisan use. Restricted or declined risks include non-private-passenger vehicles, pickups/vans/panel trucks over 1 ton, emergency vehicles, taxis/limos/buses/public livery, delivery vehicles, pooled/multi-driver business vehicles, vehicles over 10,000 GVW, non-motorized vehicles, vehicles with fewer or more than four wheels (subject to the dual-rear-wheel exception), unsafe vehicles, and for physical damage specifically vehicles with MSRP over $80,000, vehicles over 20 years old, grey-market vehicles, and homemade/custom/kit cars. Salvage vehicles are acceptable, including for physical damage, but may require underwriting review/photos. Driver restrictions include all household members age 14+ and all regular drivers being listed and either rated or excluded; all registered owners must also be listed. Risks may be ineligible where the company does not insure all household vehicles in certain filing situations, and California-only SR filings are available only when all household vehicles are insured and only for named insured/immediate family in household. Geographic notes: this is a California underwriting guide, policies appear intended for California risks, insureds moving out of state are subject to non-renewal, and no coverage of any kind extends into Mexico. Submission and servicing requirements: brokers do not have binding authority; online submissions can be effective the same date/time if accepted by automated underwriting, while manual submissions are generally effective no earlier than 12:01 a.m. the day after receipt/postmark. Brokers must obtain all required signatures and forward funds within 72 hours to avoid possible cancellation. Policy changes should be submitted online when possible; supporting documents may be retained by the broker but can be requested by underwriting. Photo inspections are preferred for vehicles with physical damage coverage unless recently dealer-purchased/leased or supported by a signed vehicle condition certification form; brokers are responsible for taking two photos showing all sides of the vehicle. Catastrophe submission restrictions apply in areas under governmental or National Weather Service watch/warning, except as stated for qualifying California good drivers/private passenger risks. Broker notes: broker-of-record changes are processed only at 6- or 12-month renewal upon written request signed by insured and new broker; void requests must be submitted electronically the same day with explanation; down payment must be remitted by insured credit card or sweep from broker trust account.