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 (Everest program via Arrowhead) • Carrier & structure - Program administrator/MGA: Arrowhead General Insurance Agency, Inc. - Carrier: Everest (A.M. Best A, as shown on the product page). - Line: Guaranteed‑cost workers’ compensation with optional companion commercial auto for select California risks. • Geography / eligible states - Current WC program states listed: AL, AZ, CA, GA, KS, NV, NC, SC, TN. - California program includes an optional companion Commercial Auto for select contractor / construction class codes, subject to separate CA guidelines.([arrowheadgrp.com](https://www.arrowheadgrp.com/products/workers-compensation/)) • High‑level appetite / target risks (WC) - Detailed class appetite is maintained in Arrowhead’s embedded Workers’ Compensation Appetite Guide (Ask Kodiak) linked from the product page. This guide is the current source of truth for: • Target class codes and preferred industries. • Restricted / declined classes and size or hazard thresholds. • State‑by‑state nuances within the 9 active program states. - Producers should use the online Appetite Guide before marketing or submitting to confirm that the specific class code and state are within appetite and whether any special handling or pre‑clearance is required.([arrowheadgrp.com](https://www.arrowheadgrp.com/products/workers-compensation/)) • Companion Commercial Auto – California WC - Arrowhead offers a Commercial Auto companion product only for California WC accounts that meet specific contractor and construction eligibility and underwriting criteria. - The Commercial Auto flyer (referenced under WC downloads) outlines that guidelines apply only to CA accounts already eligible for the WC program and that additional auto‑specific underwriting terms, vehicle and driver standards, and class code restrictions apply. - Use is limited to select construction‑related accounts; non‑contractor CA WC accounts are generally not eligible for the companion auto.([arrowheadgrp.com](https://www.arrowheadgrp.com/products/workers-compensation/)) • Broker of Record (BOR) / submission control – WC - Arrowhead has explicit BOR guidelines for Workers’ Compensation: • BOR letters can be received no earlier than 90 calendar days prior to the effective date and are accepted up to six business days prior to the effective date if the account is blocked at Arrowhead by another broker. • When a submission is blocked at the carrier level, additional carrier‑specific rules apply (see the BOR guideline document). • BOR letter must be on the employer’s letterhead or ACORD 36, addressed to Arrowhead General Insurance Agency, Inc., and emailed to BOR@ArrowheadGrp.com. • A complete submission must accompany the BOR: ACORD 130, any required supplemental applications, and four years of loss runs valued within 90 days of the effective date. • Even if the employer states that the ‘countermanding period is waived,’ Arrowhead will still send a countermand notice to the incumbent broker and honor the countermand period before recognizing the new BOR. - Operationally, producers should treat BOR changes as full resubmissions and expect Arrowhead to enforce countermand and timing rules tightly.([arrowheadgrp.com](https://www.arrowheadgrp.com/pdf/workers_comp/AH_WC_BOR.pdf?utm_source=openai)) • Audit & compliance expectations – WC - All workers’ compensation policies are subject to a final audit; Arrowhead and its vendors perform voluntary, phone, or physical audits depending on carrier and premium size. - Non‑compliance with audit requests can result in billing up to 300% of the estimated premium. - Audit disputes must be submitted on employer letterhead, signed by an officer, with supporting payroll documentation. Disputes must clearly identify: • Employee(s) at issue, their payroll, and detailed job duties (for classification disputes). • Payroll records such as reports, timecards, and corresponding paystubs for dual‑wage classifications (where applicable). - Dispute routing and contacts: • Email for audit disputes: WCAudits@ArrowheadGrp.com (or fax to the WC Audits number listed in the audit document). • Separate contact numbers are provided for payment plans and questions on final audit bills. - Producers should prepare insureds at binding that audits are mandatory, documentation must be retained, and disputes require complete backup or will not be adjusted.([arrowheadgrp.com](https://www.arrowheadgrp.com/pdf/workers_comp/AH_WC_audit.pdf?utm_source=openai)) • Producer / broker operational notes - Access and rating: Active producers should use Arrowhead Exchange for rating, quoting, binding, and policy management. - Appetite & products by state: Producers can confirm product availability and state eligibility via the Products by State search and the embedded Appetite Guide link on the WC product page. - Appointment: New agents must be appointed through Arrowhead before submitting business; existing producers must request product access if WC is not already on their Arrowhead Exchange profile.([arrowheadgrp.com](https://www.arrowheadgrp.com/)) • Other lines (commercial property, umbrella, CPP, home) - Arrowhead’s commercial, specialty, and personal lines (including commercial property, umbrella / excess, package, and home / personal property) are present in the product navigation but their detailed underwriting and appetite criteria are maintained in product‑specific pages and in Arrowhead’s overall Appetite Guide (Ask Kodiak) rather than a single static PDF. - For non‑WC lines, producers should: • Use the Appetite Guide link in the site header to check appetite for a given class and product. • Review the product‑level page for carrier, state availability, and downloadable marketing/underwriting resources. • Follow any program‑specific submission instructions provided there or within Arrowhead Exchange. Summary for operations: Treat the Workers’ Compensation product page and embedded Appetite Guide as the primary, current underwriting reference for Arrowhead’s WC program with Everest. Confirm state and class code eligibility in the Ask Kodiak appetite tool, adhere strictly to BOR timing and documentation rules, prepare insureds for mandatory final audits (with potential 300% estimated‑premium billing for non‑compliance), and use Arrowhead Exchange and the Products‑by‑State search to manage submissions and product access across all Arrowhead programs.