Arch 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
Arch’s current U.S. wholesale appetite guide (dated 10/31/2025) sets out a national appetite for property, casualty, cyber, professional liability, management liability, healthcare liability and related lines, written primarily via wholesale distribution; appetite and pricing vary by region and accounts are still subject to individual underwriting review. Preferred distribution is licensed wholesale producers; guide is expressly for licensed producers and directs brokers to contact Arch underwriters for regional nuances and atypical risks. PROFESSIONAL LIABILITY – PROGRAMS (incl. Miscellaneous PL) • Target risks: Technology firms, professional services, real estate, financial institutions, retail and other service firms, franchisors, outsourced service providers, architects and engineers, design‑build contractors, environmental consultants/contractors (not available in NY), hospitality, healthcare, manufacturing, transportation/logistics, staffing firms, consultants, travel agents/tour operators, insurance agents/brokers, lawyers, registered investment advisors and other non‑medical / non‑financial service providers. • Coverages: Cyber, Technology E&O, Miscellaneous E&O, media liability and broader E&O/PL with some forms including GL and contractors pollution liability where needed for the class. • Capacity: Primary and excess limits up to $20M (Cyber/Tech/Misc/Media) and up to $10M for standalone miscellaneous E&O. • Notes/operational takeaways: Very broad, program‑driven appetite for non‑medical service E&O, including tough‑to‑place professional and service risks, but environmental consultants/contractors are specifically not written in New York. Expect to route NY environmental E&O elsewhere. Use Arch where multi‑coverage structures (E&O + GL + CPL) are needed for complex service providers. MANAGEMENT LIABILITY (COMMERCIAL, PRIVATE & FI) • Financial Institutions / Financial Services: Target banks, insurance companies, hedge funds and private equity/financial sponsors. Coverages include D&O, general partnership liability, E&O, EPL, fiduciary, fidelity/crime and cyber on a primary or excess/umbrella basis. Capacity up to $25M for primary or excess. Focus on U.S.-domiciled risks. • Commercial Management Liability (public companies): Appetite for broad public companies, IPOs and REITs. Products include public company D&O (including Side A), EPL, fiduciary and crime. Capacity up to $25M primary or excess. • Private Management Liability: Target private and nonprofit entities, PE/VC‑backed portfolio companies and "main street" private companies. Coverages include D&O, EPL, fiduciary, crime and kidnap & ransom. Capacity up to $25M primary or excess. • Transactional Risk: Appetite for U.S.-focused M&A transactions across a broad range of sectors. Products include representations & warranties, tax liability and contingent liability. Capacity up to $25M (or equivalent in GBP/EUR) on primary/excess structures. • Healthcare Management/PL: For hospitals/healthcare systems Arch targets large to mid‑sized hospitals and healthcare systems (general treatment, coordinated care, home health and hospice, testing, pharmacy and surgical facilities) with primary and excess limits up to $11M and excess up to $25M. • Notes/operational takeaways: Strong appetite for complex management liability towers in public, private, healthcare and financial institutions, including IPO and PE/VC portfolio risks and RWI/tax. Use Arch for large U.S.-domiciled placements needing sizeable capacity (up to $25M) and syndicated or layered programs. For smaller private/nonprofit accounts, Arch can also write primary with the same capacity ceiling but typically expects wholesaler distribution and minimum premium thresholds (not all explicitly detailed by line, but a $10K minimum premium is cited for some management/healthcare segments). OTHER WHOLESALE LINES (CONTEXT FOR CROSS‑SELL) • Casualty (E&S GL/AL/Umb/Excess): Targets commercial construction (practice and project/wraps), oil & gas, hospitality & leisure. Excess limits up to $25M; primary/excess GL/AL up to $5M with a $25K minimum premium. • Property (E&S): Manufacturing, services, hospitality, retail, healthcare services/nursing homes, vacant buildings, real estate and transportation, with limits up to $25M and minimum premium of $25K; can write primary, ground‑up, excess, shared/layered and single-peril/DIC structures. • Excess Workers’ Compensation: Excess WC for qualified self‑insured single entities and groups (colleges/universities, hospitals, K‑12 schools, public entities). Statutory WC limits, EL up to $2M, minimum premium $100K, minimum retention $500K (higher for police/fire). GEOGRAPHIC & RISK NOTES • Appetite guide is "national" but explicitly states regional variations; brokers are instructed to contact the underwriter for regional appetite and for complex or non‑standard risks. • Environmental consultants and contractors are specifically noted as not available in New York in the professional liability section. • Transactional risk focus is on U.S.-domiciled risks; other classes generally emphasize U.S. exposures via the wholesale channel. SUBMISSION & BROKER INSTRUCTIONS • Guide is produced for licensed insurance producers/wholesale partners and positions Arch as a wholesale‑only market for these products; retail agents are expected to access Arch via appointed wholesalers. • Operationally, submissions should route through Arch’s wholesale distribution partners to the appropriate business unit (Professional Liability Programs, Management Liability, FI, Healthcare, Property/Casualty, Cyber, Excess WC) with clear indication of whether primary, excess or co‑insurance is sought and desired limit layer (up to stated maximums). • Minimum premium references to $25K for many E&S property/casualty segments and $100K for excess WC provide a proxy for the account size Arch is targeting; smaller accounts may not be competitive. • The document repeatedly instructs brokers to consult the underwriter for additional details and regional variations, so the guide should be treated as a high‑level appetite framework rather than a hard rules manual; individual underwriters retain flexibility to structure terms within stated capacity bands.