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 distributes exclusively through independent agents and does not publish a detailed public underwriting appetite guide or class-by-class decline list on its public site. Publicly verified guidance shows a broad small-to-mid commercial appetite with business insurance positioned for risks ranging from small town businesses to large multi-state operations, with core package flexibility around property, liability, crime and inland marine. Publicly highlighted target segments include contractor, garage, manufacturing, office, professional liability, restaurant, retail/service, and motor carrier. For manufacturing, Auto-Owners specifically promotes a Manufacturers Plus Package, manufacturers E&O, business interruption, cyber liability, inland marine, commercial property, workers compensation, commercial auto, and commercial umbrella, indicating a preference for established, operationally sound manufacturing accounts. Commercial umbrella is offered with limits up to $5,000,000, with higher limits subject to underwriting approval. Workers compensation is offered with employers liability and optional waiver of subrogation, and the carrier notes state-specific compliance differences. Flood is available for residential, agricultural, and commercial buildings. Geographic footprint is verified 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/placement expectations: business is placed through local independent agents; prospects are directed to the agency locator rather than direct online submission. Producer-facing public instructions indicate agency appointments are also independent-agent based, and agencies seeking appointment are asked for primary office location, years in business, total written premium, top three P&C carriers, personal/commercial mix, non-standard percentage, and rationale for adding the carrier. Operational support notes: Auto-Owners promotes loss control resources including risk management, safety consultation, training, loss analysis, hazard identification, and on-site assessments, with support available through LossControlSupport@aoins.com and 1-855-586-5388. Notable limitations: no public official page was found that verifies specific restricted or declined classes, hard hazards, minimum premiums, schedule credits/debits, protection-class constraints, coastal/wind/flood CAT restrictions, or formal underwriting documentation requirements beyond agent-mediated placement. As a result, any class restrictions or decline rules should be confirmed in the agent portal or with an Auto-Owners underwriter before marketing.