American Traditions 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 formal, public-facing underwriting or appetite guide for American Traditions Insurance Company (ATIC) or TJ Jerger MGA is available on the carrier’s/agency’s sites that provides detailed eligibility, preferred classes, or submission rules. Current web content mainly confirms product offerings and that the program is focused on Florida residential property. High-level operational guidance based on current carrier positioning: • Preferred business / target profile (inferred, not from a published manual) - Florida residential property risks written via TJ Jerger MGA programs (ATIC as underlying carrier), across: standard HO3, DP3, manufactured homes, condo-unit owners (HO6), renters (HO4/MH4), and ancillary coverages such as flood, equipment breakdown, and identity theft. - Emphasis on manufactured homes and Florida residential lifestyles, including primary, seasonal, and rental uses. Agents should assume underwriting favors well-maintained properties with acceptable loss history and roof/structure condition, consistent with Florida domestic property norms. • Restricted or declined classes - No explicit public list of prohibited classes, age-of-home limits, roof age rules, or protection-class restrictions is published. Agents must rely on the secure agent portal and internal bulletins for specific binding and eligibility rules (e.g., moratoriums, roof age, prior losses, protection class, occupancies). • Geographic notes - Program is explicitly described as focused on the Florida marketplace and Florida residential property only. Expect appetite to be limited to Florida, with county- or region-specific capacity and catastrophe-management rules detailed only within the agent portal and bulletins. • Submission and underwriting process (agent expectations) - All actual quoting, eligibility screening, and binding are handled via the agent-only portal. Agents should log into the portal for real-time eligibility questions, required underwriting questions, and any inspection or supporting-document requirements. - Instant quote functionality is available through the portal for preliminary pricing, but binding authority and final acceptance remain subject to underwriting review and any required inspections. - Claims, policy service, and flood-policy registration are managed via the portal and associated links; this indicates that supporting documents and post-bind underwriting requirements (e.g., inspections, proof of updates) will be communicated through the same channels. • Producer / broker notes - Agents must have a Jerger/ATIC appointment and access the Agent Only Portal for rate, rules, and binding guidelines. "Become An Agent" workflow on the site routes prospective agents to Jerger to establish or update their appointment; no appointment = no access to detailed underwriting rules. - Because ATIC is a Florida domestic property writer operating in a catastrophe-exposed market, agents should be alert to temporary moratoriums, new-business pauses, and program-level changes communicated by internal bulletins and emails rather than relying on stable, static manuals. Because the carrier does not publish a detailed, line-by-line underwriting manual or appetite guide on publicly accessible pages, all concrete eligibility, preferred/declined risk classes, and documentation requirements must be taken from the secure agent portal and current bulletins, not from the public website.