Anchor General Insurance
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
Anchor General Insurance Group focuses on non‑standard private passenger automobile business written through appointed producers and MGAs. Publicly available information is limited; detailed class‑by‑class rules, eligibility grids, and rate details are only accessible in the producer portal and state‑specific underwriting manuals. Preferred / target business - Personal, non‑commercial private passenger autos in the non‑standard segment (drivers with imperfect records, prior lapses, limited insurance history, etc.), primarily liability and physical damage coverage. - Non‑standard auto policies underwritten by Anchor General Insurance Company and administered by Anchor General Insurance Agency entities. A group profile notes specialization in non‑standard private passenger auto in CA, TX, AZ, WA, and OR, indicating these states are key target geographies. ([padic.org](https://padic.org/members/?utm_source=openai)) Geographic appetite - Active presence in at least five states: California, Texas, Arizona, Washington, and Oregon. ([padic.org](https://padic.org/members/?utm_source=openai)) - Texas operations utilize a managing general agency agreement with Anchor General Insurance Agency of Texas, Inc., which is authorized to handle production, underwriting, and accounting for private passenger auto, confirming an ongoing appetite in Texas subject to regulatory compliance. ([tdi.texas.gov](https://www.tdi.texas.gov/commissioner/disciplinary-orders/documents/20259603.pdf?utm_source=openai)) Restricted / declined business (inferred) - Anchor is positioned as a non‑standard personal auto writer; there is no public indication that it writes standard preferred auto, commercial auto, or non‑auto lines. Treat any non‑private‑passenger risks (e.g., commercial use, heavy vehicles, specialty/motorcycle, or non‑auto P&C) as out of appetite unless an Anchor manual or underwriter explicitly confirms otherwise. - Because Anchor distributes through appointed producers and an MGA structure, any risks that fall outside the internal Underwriting Guidelines contained in the producer/MGA agreements must be declined or referred for approval. Regulatory filings emphasize that the MGA must adhere to written Underwriting Guidelines and rating approach, with classes and maximum limits specified in exhibits to those guidelines. ([sec.gov](https://www.sec.gov/Archives/edgar/data/2002473/000162828024036134/exhibit105-amendedandresta.htm?utm_source=openai)) Submission & producer requirements - All underwriting and policy issuance is handled through the secure producer portal. Producers must have a valid login and use the Anchor online system for rating and submissions. - To become a producer, agencies must complete a state‑specific Producer Questionnaire (currently available online for CA, AZ, and TX) and follow Anchor’s appointment process. The producer page instructs interested agencies to print and complete these questionnaires (Adobe Acrobat forms) as the first step in the contracting process. ([secure4.anchorgeneral.com](https://secure4.anchorgeneral.com/AGLogin.aspx?M=1)) - Anchor operates through independent producers under Limited Producer / Producer agreements. These contracts state that the producer is an independent contractor, must follow the Company’s Underwriting Guidelines and commission schedules, and must return all underwriting materials and forms upon demand, emphasizing that underwriting authority is constrained by Anchor’s written rules. ([faia.com](https://www.faia.com/getmedia/953e9829-43b1-40bc-b19f-5e4fc583f0ce/Anchor-Limited-Producer-Agreement.pdf.aspx?utm_source=openai)) - Texas specifically uses an MGA (Anchor General Insurance Agency of Texas, Inc.) with delegated underwriting authority; that agreement is required to conform to Texas Administrative Code provisions (monthly reporting, written approval for reinsurance actions, etc.). This underscores that producers and the MGA must strictly follow Anchor’s filed Underwriting Guidelines and cannot deviate from them. ([tdi.texas.gov](https://www.tdi.texas.gov/commissioner/disciplinary-orders/documents/20259603.pdf?utm_source=openai)) Operational / broker notes - Use the producer portal (secure4.anchorgeneral.com) for all quotes, new business, endorsements, and transactions permitted by your access level. Do not attempt to bind or endorse business outside portal capabilities or beyond written authority in your Producer Agreement. - For questions on eligibility, borderline risks, or manual rules, producers are directed to contact Customer Service/Underwriting at 800‑542‑6246 or cs@anchorgeneral.com; this contact information is repeated in Anchor’s auto underwriting/manual PDFs used by partners. ([myglobalfirst.com](https://myglobalfirst.com/wp-content/uploads/2024/11/Anchor-Platinum-UW-Manual-1.pdf?utm_source=openai)) - Anchor maintains separate producer questionnaires by state, suggesting that appetite, forms, and possibly program availability differ by jurisdiction; confirm state‑specific rules and any moratoria or territorial restrictions inside the portal or current manuals before marketing in a new area. Because Anchor’s full underwriting manuals and appetite grids are locked behind the producer login and state manuals, treat this summary as high‑level guidance. For concrete eligibility (driver violations, vehicle types, coverage options, limits, DUIs, SR‑22s, etc.), rely on the most recent state‑specific Anchor Personal Auto manuals and bulletins within the producer portal.