Allied Trust Insurance Company
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
No public, line-of-business-specific underwriting or appetite guide is posted on Allied Trust’s open website. Agent-facing underwriting resources appear to be available only after logging into the secure agent portals referenced on the Agent Portal Login page. Preferred / target business (inferred from public material and agent positioning – confirm in portal or with territory manager before binding): - Personal lines residential property: HO3 homeowners, DP3/dwelling fire, HO6/condo, personal umbrella, and flood in active Allied Trust markets (currently Louisiana, Texas, North Carolina, and South Carolina; references to legacy vs. new-business systems indicate evolving state/program structures). - Business written through appointed independent agents in good standing who complete the "How To Become An Agent" vetting form, including production history, carrier mix, and willingness to commit to a minimum flow of flood and PUP policies. Restricted / declined classes: - No explicit public list of ineligible or restricted classes (e.g., roofs, prior losses, protection class, dog breeds, coastal distance, age of home) is provided. All such criteria must be taken from program manuals or underwriting bulletins accessed via the respective agent portals. Geographic notes: - Agent portal segmentation explicitly distinguishes: • Louisiana, North Carolina, South Carolina – plus Texas legacy/renewal policies – written on one "New Business Portal" instance. • North Carolina & South Carolina (Lighthouse assumption business) on a separate portal instance. • Texas (New Business) on a dedicated BriteCore portal instance. - Public site notes that products may not be available in all states, so agents must verify state/program eligibility and any coastal or catastrophe-zone restrictions in the portal before marketing or binding. Submission / binding requirements (operational takeaways from public agent pages): - Producers must first be approved as Allied Trust agents via the "How To Become An Agent" form. The form requests HO3/DP3/HO6 written premium and policy-in-force data, top three carrier relationships and commission structures, loss/production reports, and attestation regarding license status and E&O history. This implies a quality/experience screen and expectation of property-lines focus. - The onboarding form asks whether the agency can commit to minimum production for flood (2 policies/month) and PUP (1 policy/month), signaling that a balanced property-plus-flood/umbrella mix is favored. Agents who cannot meet these targets may be de-prioritized for appointment. - All new business and renewals must be submitted through the appropriate state/program-specific agent portal; the public site reiterates that all policies are subject to underwriting review and approval. Broker / producer instructions & notes: - Distribution is exclusively via independent agents; Allied Trust emphasizes that it does not allow "just anyone" to sell its products, underscoring a curated appointment strategy. - Producers are directed to select the correct portal based on geography and book type (LA/NC/SC/TX legacy vs. TX new-business vs. NC/SC Lighthouse assumption). Using the wrong platform may result in processing delays or submission issues. - Claims and billing servicing instructions (phone, portal, and forms) are clearly centralized; agents should route insureds to the Insured Portal or the claims phone number rather than handling claim intake directly. Given the lack of an open underwriting manual, any concrete rules around construction, age of home, prior losses, occupancy (tenant/short-term rental), protection class, or coastal distance must be obtained from the secure agent portals or directly from an Allied Trust underwriter or territory manager before quoting or binding.