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
Verified current official wholesale appetite materials and product pages for Arch Insurance U.S. The 2025 Wholesale Appetite Guide remains the main official appetite document and states appetite is national but varies by region, with brokers directed to contact the underwriter for regional details. For Professional Liability, Arch’s core open-brokerage focus is miscellaneous professional liability for non-medical, non-financial service providers, with preferred examples including real estate services firms, franchisors, retail insurance agents, technology firms, outsource providers, consultants, staffing firms, appraisal, billing, bookkeeping/tax prep, claims adjusters, field inspectors, fitness instructors, home inspectors, mortgage brokers, notaries, photographers, property managers, and real estate agents/brokers. Coverage can be tailored with industry-specific endorsements; features highlighted include regulatory/administrative proceeding treatment within claim definition, personal injury within wrongful act, sublimits for non-party investigations and data incident response, first-dollar defense availability, aggregate deductible options, defense outside limits availability, and contingent BI/PD availability. Miscellaneous Professional Liability brochure shows limits up to $5M primary, minimum deductible from $0 for eligible accounts, no minimum premium, and admitted availability in most states except Alaska, Hawaii, North Dakota, and Wyoming. The broader Professional Liability page also indicates Arch writes lawyers, architects and engineers, design-build professionals, contractors/consultants, franchisors, insurance agents/brokers, real estate agents/brokers, property managers, registered investment advisors, travel agents/tour operators, and other miscellaneous classes; securities broker/dealer and registered representative E&O is written only on a highly selective strategic account-by-account basis. Distribution for Professional Liability is through select retail and wholesale producers. For Professional Liability programs, Arch partners with non-medical professional liability program administrators that have strong financial plans, profitable underwriting results, quantifiable data, strong reputation/financials, existing market presence, coded claims data, and operational underwriting capability. Program submissions are expected to include program/principal history, underwriting and pricing guidelines/history, demographics, premium and claims statistics, and competition analysis; desired minimum annual written premium for a national program is $10M, though smaller programs may be considered based on profitability and implementation ease. For Management Liability, Arch organizes appetite into Large Commercial Group, Growth & Middle Market, and Financial Services. Large Commercial targets non-financial public companies over $500M revenue, non-financial private companies over $1B revenue, REITs, and companies seeking transactional risk products; products include D&O, EPL, fiduciary, Side A, excess, corporate canopy, representations and warranties, tax liability, contingent liability, and pending litigation insurance, with up to $25M primary/excess limits. Growth & Middle Market targets private companies under $1B revenue, public companies under $500M revenue, and non-profits, including start-ups, mature companies, IPOs, and PE/VC-backed companies; Arch advertises quote turnaround in less than 48 hours, multi-coverage policies, EPL loss prevention services, kidnap/ransom consultants and travel advisories, cyber expert panel access, and up to $25M limits. Financial Services has broad appetite across the financial ecosystem, including hard-to-place and distressed risks or firms with claims activity, with customized manuscript wording available; target insureds include investment advisers, mutual funds, hedge funds, private equity/venture capital/real estate funds, insurance companies, community/regional banks, investment banks/broker-dealers/exchanges, super regional and money center banks, and specialty finance companies. Management Liability distribution is through select retail and wholesale producers. Across the reviewed Arch materials, explicit declined classes were not listed on the verified official pages used; instead, restrictions appear through stated focus on non-medical/non-financial service providers for miscellaneous professional liability, non-financial institution focus for certain management liability units, selective treatment of securities broker/dealer risks, producer selection, regional appetite variation, and standard note that product availability differs by jurisdiction and underwriting company.