Auto-Owners 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
Auto-Owners publishes broad commercial positioning rather than a formal public appetite guide. Current official guidance presents the carrier as an independent-agent-only market for small town businesses through large multi-state operations, with flexible package solutions combining property, liability, crime and inland marine. Publicly highlighted target segments include contractors, garages, manufacturers, offices, professional liability, restaurants, and retail/service businesses. More specific preferred examples shown on official pages include car/boat/off-road/farm implement dealers and repair shops in the Garage program; manufacturers needing package, products/operations liability, and manufacturers E&O options; restaurants needing liquor liability, spoilage/contamination, business interruption, and equipment breakdown; and retail/service risks ranging from barber shops to gas stations, boutiques and similar service/mercantile risks. Commercial umbrella is available up to $5,000,000, with higher limits subject to underwriting approval. Workers compensation is offered with employers liability plus options such as waiver of subrogation, voluntary compensation/employers liability, inclusion or exclusion of partners/officers/others, and complimentary loss control services. Geographic note: Auto-Owners states it operates through independent agents in 26 states: Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia, and Wisconsin. Submission/broker notes: business is sourced solely through independent agents; insureds are directed to the agency locator for quotes, indicating no direct online business submission path for retail customers. For prospective agencies, Auto-Owners has a public appointment-interest page asking whether the applicant owns an agency, primary office location, top three current P&C carriers by written premium, and personal/commercial mix, which suggests producer appointments are relationship-driven and territory-specific. Publicly available restricted/declined classes are not meaningfully enumerated on the official site; no verified public decline list, prohibited class guide, or detailed underwriting appetite matrix was found. Operationally, treat appetite as broad but agent-mediated, with final acceptability, pricing, and higher umbrella limits subject to underwriting review and state-specific availability/modifications.