Aspire General 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
PROGRAM / APPETITE • Aspire General writes non‑standard private passenger auto under the “Savings” program, underwritten by Aspire General Insurance Company. The Savings Underwriting Guidelines document effective 01/01/2025 is the current published rule set. • Business is produced through appointed brokers; the broker agreement governs authority. This guide is specific to the Savings product; other Aspire programs may have separate guides within the producer portal. PREFERRED / TARGET RISKS • Non‑standard private passenger auto risks seeking affordable coverage where the exposure fits all program rules in the Savings underwriting guide. • Policies quoted and bound electronically through Aspire’s producer/portal tools with complete, accurate application data and required supporting documents uploaded. • Accounts where the broker can collect the down payment on the application date and immediately upload payment and application so effective date aligns with receipt of funds and issuance of a policy number. RESTRICTED OR DECLINED RISKS (HIGH LEVEL) • Any class of business, risk characteristics, or type of insurance not specifically allowed in the Company Underwriting Guidelines cannot be bound by brokers. Such risks are subject to company review and likely declination. • Risks where requested information or documentation is not provided after company request may be subject to cancellation or non‑renewal for substantial increase in hazard under California regulations. GEOGRAPHIC NOTES • Aspire General is a California‑domiciled carrier and the Savings guide references California regulatory citations, indicating primary focus on California non‑standard auto. Confirm state eligibility and territorial availability within the full guide and rate/quote system before submitting out‑of‑state risks. SUBMISSION / BINDING REQUIREMENTS • Brokers have no inherent binding authority: coverage can only be bound per the terms of the Broker Agreement and the Savings underwriting guide. • Original applications will be bound as of the application date only if ALL of the following are satisfied: – Down payment is made on the date of the application. – The application is uploaded electronically to Aspire and a policy number is issued. – The policy effective date does not precede the date the broker received the down payment and payment was uploaded to Aspire. – The application does not include any class, risk, or type of insurance not specified in the Company Underwriting Guidelines. – To the broker’s best knowledge, the application information is truthful and accurate. • Brokers must retain the original signed application and all supporting documents in an orderly fashion, either as physical originals or as electronic scans that are retrievable, durable, legible, unaltered, and compatible with Aspire’s systems. • Aspire reserves the right to make final underwriting decisions in all cases. • Aspire may request additional information from the broker and/or insured to accurately underwrite or classify a risk; refusal or failure to provide requested information may result in cancellation or non‑renewal due to substantial increase in hazard. BROKER / PRODUCER NOTES • Binding is strictly controlled: brokers cannot bind coverage outside what is explicitly allowed by the guidelines and broker agreement. • Producers must use Aspire’s electronic portal(s) for application upload, payment transmission, and policy issuance; physical or offline submissions alone do not constitute binding. • Maintain strong documentation practices: complete, legible, and system‑compatible application files are required and subject to audit or request by Aspire. • When in doubt about eligibility or unusual risk features not clearly addressed in the Savings guide, contact Aspire underwriting before quoting or representing that coverage is bound.