Arrowhead General Agency
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
Workers Compensation (primary accessible guidelines) - Geographic scope: Monoline workers’ compensation program written in AL, AZ, CA, GA, KS, NV, NC, SC, TN. Multi‑state and out‑of‑state exposure can be submitted through ArrowheadExchange.com. ([arrowheadgrp.com](https://www.arrowheadgrp.com/products/workers-compensation/?utm_source=openai)) - Target industries: Agriculture; Automotive service & repair; Construction/Contractors; Habitation; Hospitality; Manufacturing; Mercantile; Office & professional services; Restaurants; Transportation/Delivery; Trucking up to 500‑mile radius. These sectors are specifically listed as the program’s target market. ([arrowheadgrp.com](https://www.arrowheadgrp.com/products/workers-compensation/?utm_source=openai)) - Product/structure: Monoline WC placed with Everest (noted as carrier on product page). Online submissions with instant quotes on eligible accounts; value‑add loss control and claims services available on qualifying accounts (onsite safety evaluations, safety training, OSHA assistance, printed safety materials, RTW programs, integrated claim and cost‑containment services). ([arrowheadgrp.com](https://www.arrowheadgrp.com/products/workers-compensation/?utm_source=openai)) - Preferred business characteristics (operational interpretation from appetite/target list): • Main‑street and mid‑market employers in the above industries, including contractors and trucking with moderate radius (≤ 500 miles). • Accounts that will engage with loss control and RTW programs. - Restricted or declined (not fully enumerated in public materials): • Public materials reference a separate Workers’ Compensation Appetite Guide and an “All Carrier Class Code List”; detailed class‑by‑class yes/no is in those documents, but not all content is visible without producer access. Treat high‑hazard construction, heavy trucking beyond 500 miles, and out‑of‑territory operations as subject to underwriting pre‑clearance or off‑appetite unless confirmed in the class code list/appetite guide. ([arrowheadgrp.com](https://www.arrowheadgrp.com/products/workers-compensation/?utm_source=openai)) - Submission requirements – Workers Comp: • Submit all new business and renewals through ArrowheadExchange.com. • Required with submission (no quote if incomplete): Supplemental WC/underwriting application, 3–4 years of currently valued loss runs, and a current ACORD 130. • Quick‑quote option available on eligible small accounts with instant indication; documents not required until binding for those quick‑quote risks. • Underwriting responds after all required documents are received; submissions missing any required items are not worked. ([arrowheadgrp.com](https://www.arrowheadgrp.com/products/workers-compensation/?utm_source=openai)) - Broker / producer notes – Workers Comp: • Program is accessed and transacted through ArrowheadExchange.com; producers must be appointed/credentialed on the platform. • There is a separate Broker‑of‑Record (BOR) procedure document for Workers’ Compensation that governs how BOR letters must be addressed and how carrier‑of‑record changes are handled between Arrowhead and the underlying WC carrier; follow that BOR workflow for any agent‑of‑record changes. ([arrowheadgrp.com](https://www.arrowheadgrp.com/pdf/workers_comp/AH_WC_BOR.pdf?utm_source=openai)) Companion Commercial Auto for WC Construction Segment (California‑focused) - Availability: Commercial Auto coverage is available only as a companion product to Arrowhead’s Workers’ Compensation construction segment and requires either an in‑force WC policy or an active WC submission with Arrowhead. Program is flagged as applying to California WC accounts, with limited ability to extend to vehicles garaged outside CA if they are a small portion of the fleet. ([arrowheadgrp.com](https://www.arrowheadgrp.com/pdf/workers_comp/WC-Commercial-Auto-Program.pdf?utm_source=openai)) - Geographic/vehicle mix conditions: • Designed for California‑based accounts; coverage can extend outside CA only if vehicles outside California represent less than 10% of the total count. • Targeted to risks with 1–20 power units, GVW < 20,000 lbs., and operating radius approximately 100 miles. ([arrowheadgrp.com](https://www.arrowheadgrp.com/pdf/workers_comp/WC-Commercial-Auto-Program.pdf?utm_source=openai)) - Target business: Contractors / construction classes written in the WC program that need local fleet or small commercial auto for job‑site and local operations. ([arrowheadgrp.com](https://www.arrowheadgrp.com/pdf/workers_comp/WC-Commercial-Auto-Program.pdf?utm_source=openai)) - Premium size: Target total Commercial Auto premium range is roughly $2,500–$50,000. ([arrowheadgrp.com](https://www.arrowheadgrp.com/pdf/workers_comp/WC-Commercial-Auto-Program.pdf?utm_source=openai)) - Submission requirements – Commercial Auto (companion): • New and renewal submissions must include: ACORD 125, ACORD 127, and ACORD 137 Commercial Auto applications. • Currently valued loss runs (within 120 days of the proposed effective date). • Supplemental general underwriting questions completed within Arrowhead Exchange. • MVRs on all drivers, including those using personal vehicles in the business, at time of submission. ([arrowheadgrp.com](https://www.arrowheadgrp.com/pdf/workers_comp/WC-Commercial-Auto-Program.pdf?utm_source=openai)) - Policy/servicing notes: 12‑month policy term with direct billing; certificates and ID cards are issued by the broker. Commercial Auto is serviced by the same dedicated WC team and is treated as a companion line to strengthen the WC account. ([arrowheadgrp.com](https://www.arrowheadgrp.com/pdf/workers_comp/WC-Commercial-Auto-Program.pdf?utm_source=openai)) Other lines listed by the user (Commercial Property, Umbrella, CPP, Home) - Arrowhead operates multiple specialty and program platforms (Arrowhead Programs, Arrowhead Wholesale, etc.), but current publicly available underwriting/appetite detail is fragmented by specific program and not consolidated in a single, authoritative public appetite guide for property, umbrella, package, or home. - External appetite documents and third‑party agency guides reference an "Arrowhead Appetite Guide," but those are not official Arrowhead publications and may not reflect current terms; they should not be relied on as binding underwriting rules. ([ftapappetite.com](https://ftapappetite.com/detailed-carrier-guides?utm_source=openai)) - For Commercial Property, Umbrella, Commercial Package, and Home under Arrowhead: • Treat appetite and class/territory eligibility as program‑specific; use Arrowhead’s program directory (ArrowheadPrograms.com) and then contact the corresponding program team or check producer‑only resources in ArrowheadExchange for detailed guidelines. • Do not assume that Workers Comp appetite carries over to other lines without confirmation; each program may have distinct class and geographic constraints and carrier partners. ([arrowheadprograms.com](https://arrowheadprograms.com/programs/?utm_source=openai)) Operational guidance for producers - All Arrowhead business is generally funneled through online platforms (ArrowheadExchange or specific program portals); ensure you are set up as a producer with appropriate login and that you access program‑specific underwriting guides, class lists, and appetite tools from within the portal for definitive rules. ([arrowheadgrp.com](https://www.arrowheadgrp.com/products/workers-compensation/?utm_source=openai)) - For Workers Comp and its companion Commercial Auto, strict document‑complete submissions are enforced: no work is done until required apps, loss runs, and supplements are in file; quick‑quote paths are available only on clearly in‑appetite accounts. Manage insured expectations accordingly. - For BOR activity on WC, follow Arrowhead’s BOR Guidelines document for required letter content, addressee (Arrowhead General Insurance Agency, Inc.), and timing so that Arrowhead can coordinate carrier‑of‑record recognition without service disruption. ([arrowheadgrp.com](https://www.arrowheadgrp.com/pdf/workers_comp/AH_WC_BOR.pdf?utm_source=openai)) - For other Arrowhead programs (property, umbrella, package, home), treat retail and wholesale distribution as controlled; some programs may be accessible only to select appointed producers. Confirm distribution and appetite with the relevant program contact before marketing or blocking markets.