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 Insurance is a specialty and middle-market carrier with a broad but disciplined appetite across property, casualty, cyber, professional and management liability, and healthcare liability, written largely via wholesale and specialty brokers. Preferred business / target profile (US commercial P&C and specialty) - Broad middle market: Select, well-managed commercial accounts where risk controls, safety culture and contractual risk transfer are clearly evidenced. Risks are individually underwritten rather than purely class-based; underwriters expect robust information on operations, controls and loss history. ([insurance.archgroup.com](https://insurance.archgroup.com/north-america/united-states/offering/casualty/middle-market-solutions/?utm_source=openai)) - Wholesale-distributed specialty: Property, casualty, cyber, professional, management and healthcare liability placed via wholesale partners, with appetite varying by region and line. The national wholesale appetite guide is the primary reference; underwriters emphasize collaboration with wholesalers and creative solutions for complex risks. ([insurance.archgroup.com](https://insurance.archgroup.com/wp-content/uploads/sites/2/Arch-Wholesale-Appetite-Guide.pdf?utm_source=openai)) - Middle Market Solutions (multi-line P&C): Targeted to middle market insureds (typically upper-SMB to lower large accounts) in select industry verticals, especially where there are formal risk management teams, safety programs, quality control, and contractual protections. Private equity-owned portfolio companies are a core focus across financial & business services, healthcare, hospitality, commercial real estate, manufacturing, retail, services, technology/telecom/media, and wholesale/distribution. ([insurance.archgroup.com](https://insurance.archgroup.com/north-america/united-states/offering/casualty/middle-market-solutions/?utm_source=openai)) - Healthcare and professional services: Outpatient and office-based healthcare providers (e.g., clinics, diagnostic centers, labs, dentists, optometrists, outpatient surgery centers, pharmacies, primary and specialty care physicians, telemedicine) and financial/professional institutions (brokers, banks, credit unions, investment managers, mortgage companies and similar) through dedicated verticals. ([insurance.archgroup.com](https://insurance.archgroup.com/north-america/united-states/offering/casualty/middle-market-solutions/?utm_source=openai)) - Technology / telecom: Electronics and component manufacturers, software developers, data processing, web hosting, infrastructure support, and telecommunications/network service providers with adequate cyber, E&O and operational controls. ([insurance.archgroup.com](https://insurance.archgroup.com/north-america/united-states/offering/casualty/middle-market-solutions/?utm_source=openai)) - Real estate & hospitality: Business-class and luxury/boutique hotels, high-end restaurants (family style and fine dining), high-end or luxury condo associations, commercial property owners, offices, light industrial, and professionally managed real estate including funds, managers, agents and brokers. ([insurance.archgroup.com](https://insurance.archgroup.com/north-america/united-states/offering/casualty/middle-market-solutions/?utm_source=openai)) - Large Commercial Group (management liability): Public (non‑financial institution) companies with revenues >$500M, private non‑FI companies with revenues >$1B, REITs and transactional risk buyers, for D&O and related management liability products. Capacity up to $25M on primary and excess. ([insurance.archgroup.com](https://insurance.archgroup.com/north-america/united-states/offering/management-liability/large-commercial-group/?utm_source=openai)) - Professional Liability Programs: Non‑medical professional liability written through approved program administrators (PAs) with established books that can meet minimum premium and data standards (target program premium ≥$10M annually, smaller considered case-by-case). Arch prefers PAs that can use Arch systems or compatible technology and adhere to Arch underwriting guidelines. ([insurance.archgroup.com](https://insurance.archgroup.com/north-america/united-states/offering/programs/professional-liability-programs/?utm_source=openai)) Restricted / declined tendencies (operational) - Arch’s published materials stress that appetite is "national" but varies by region and line; there is no public, granular class-by-class decline list. The wholesale appetite guide notes that risks outside stated appetite or with weak controls should be discussed with an underwriter—expect off‑appetite classes, poorly controlled operations, or severe CAT exposures to be declined or heavily restricted. ([insurance.archgroup.com](https://insurance.archgroup.com/wp-content/uploads/sites/2/Arch-Wholesale-Appetite-Guide.pdf?utm_source=openai)) - Construction and agriculture are explicitly indicated as generally outside appetite in at least some UK commercial combined segments; in the US, similar heavy construction, unsupported habitational with poor maintenance, or distressed property/casualty risks are typically restricted and require strong underwriting justification. (This is an inference based on Arch’s focus on controlled, professionally managed risks.) ([insurance.archgroup.com](https://insurance.archgroup.com/international/uk/offering/commercial-combined/?utm_source=openai)) - Programs: Professional liability program submissions that cannot meet Arch’s minimum premium, data, governance, and profitability benchmarks will not be accepted. Programs must pass underwriting and actuarial due diligence; Arch is selective about new programs and may limit classes or geography even where a PA has an existing book. ([insurance.archgroup.com](https://insurance.archgroup.com/north-america/united-states/offering/programs/professional-liability-programs/?utm_source=openai)) Geographic notes - Arch writes on a global basis but the appetite guide referenced here is specifically for Arch Insurance’s North American wholesale distribution (and includes commentary that appetite varies by region). Brokers must verify regional appetite directly with underwriters. ([insurance.archgroup.com](https://insurance.archgroup.com/wp-content/uploads/sites/2/Arch-Wholesale-Appetite-Guide.pdf?utm_source=openai)) - Separate appetite documentation exists for Canada and for UK/International products; these should not be assumed to apply to US‑domiciled accounts without confirmation. ([insurance.archgroup.com](https://insurance.archgroup.com/wp-content/uploads/sites/2/Arch095_L9_AppGuide_Canada_040523.pdf?utm_source=openai)) Submission requirements and underwriting expectations - Wholesale Appetite Guide: Positions Arch as a collaborative specialty market; expects wholesale partners to provide detailed, accurate submissions. While the PDF is high‑level, it reinforces that appetite is line‑ and region‑specific and that producers should contact the appropriate Arch underwriter for detailed criteria, limits, and capacities by product line. ([insurance.archgroup.com](https://insurance.archgroup.com/wp-content/uploads/sites/2/Arch-Wholesale-Appetite-Guide.pdf?utm_source=openai)) - Middle Market Solutions: Each risk is "individually underwritten" based on its own merits, with emphasis on: - Clear description of operations and ownership (including private equity structure where applicable). - Evidence of risk management and safety programs, contractual risk transfer, quality control, and governance. - Adequate controls for the specific vertical (healthcare protocols, IT/cyber controls, financial controls, etc.). - Underwriters use a dedicated underwriting, claims and risk control team; expect requests for supporting documentation (loss runs, safety manuals, contractual templates) on larger or more complex accounts. ([insurance.archgroup.com](https://insurance.archgroup.com/north-america/united-states/offering/casualty/middle-market-solutions/?utm_source=openai)) - Professional Liability Programs (PAs): Program submissions must include: full program history and background on principals; detailed underwriting and pricing guidelines/history; program demographics; statistical premium and loss data; and competition analysis. Submissions are evaluated against underwriting and actuarial benchmarks, and Arch conducts comprehensive due diligence. Preferred solution is use of Arch’s own underwriting system; third‑party systems must meet Arch’s technical and data requirements. Approved PAs are delegated authority to rate, quote, issue and collect premium within Arch’s guidelines. ([insurance.archgroup.com](https://insurance.archgroup.com/north-america/united-states/offering/programs/professional-liability-programs/?utm_source=openai)) - Large Commercial Group: Customer profile is clearly defined by revenue thresholds and industry type (public/non‑FI, large private, REITs). Underwriters offer creative and customized solutions and can deploy up to $25M limits on primary and excess bases; expect detailed financials, corporate governance, and loss history for management liability placements. ([insurance.archgroup.com](https://insurance.archgroup.com/north-america/united-states/offering/management-liability/large-commercial-group/?utm_source=openai)) Broker / producer instructions and working practices - Arch emphasizes its "Pursuing Better Together" brand promise: collaborative, responsive relationships with brokers, a commitment to listening and sharing insights, and exploring tailored solutions rather than transactional quoting. This is reaffirmed across the appetite guide, Middle Market Solutions, and program descriptions. ([insurance.archgroup.com](https://insurance.archgroup.com/wp-content/uploads/sites/2/Arch-Wholesale-Appetite-Guide.pdf?utm_source=openai)) - Wholesale-specific: The wholesale appetite guide is intended for licensed producers and positions Arch as a wholesale-focused partner in many lines. Producers should: - Use the guide to identify appropriate classes and then engage with the regional underwriter for specifics. - Expect appetite and capacity to differ by region; early contact with Arch is encouraged on complex or borderline risks. - Coordinate with Arch’s dedicated wholesale team, which focuses exclusively on wholesale partners and aims for responsive service. ([insurance.archgroup.com](https://insurance.archgroup.com/wp-content/uploads/sites/2/Arch-Wholesale-Appetite-Guide.pdf?utm_source=openai)) - Programs: Arch expects PAs and brokers seeking program arrangements to be able to operate within Arch’s governance framework, including adherence to established underwriting guidelines, use of approved systems, and provision of robust data for monitoring and audits. ([insurance.archgroup.com](https://insurance.archgroup.com/north-america/united-states/offering/programs/professional-liability-programs/?utm_source=openai)) Operational takeaway - Arch is a fit for: controlled, professionally managed middle-market and large commercial risks, often specialty or verticalized, typically placed via wholesale or specialty distribution. Submissions that clearly demonstrate strong controls, good data, and alignment with stated verticals (PE portfolio companies, healthcare, FI/professional, tech/telecom, real estate/hospitality, and large corporate management liability) are most likely to attract a quote. - For current, line‑specific details (limits, deductibles, CAT posture, restricted classes), brokers should always defer to the most recent Arch appetite materials and direct communication with underwriters, as the carrier explicitly notes regional and product‑level variability in appetite.