Bankers Insurance Group
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
Verified current official public-facing guidance is limited; Bankers’ official site positions the carrier as a regional specialty writer with core emphasis on commercial, builders risk, and flood, and states it focuses on the Southeastern United States. Public product pages prominently show Residential Flood and Commercial Flood, while the site also markets Business Owners Policy and Builders Risk. For producer operations, the verified official agent portal lists separate servicing contacts for Commercial Lines and Builders Risk/Inland Marine (800-627-0000 ext. 4035 / commercial@bankersinsurance.com), Flood Lines (ext. 4704 / flood@bankersinsurance.com), and contracting/admin access (ext. 4418 / contracting@bankersinsurance.com); the public contact page directs prospective agents to P&C Products at ext. 4900. Practical underwriting takeaway: preferred business appears to center on flood placements (residential and commercial), builders risk, and small commercial/BOP-type accounts, especially in the Southeast, with national capability suggested for some builders risk marketing. No current official Homeowners appetite guide was found on the public site; claims guidance instead references homeowners claims only in a servicing context, including a note that Loggerhead Insurance policies issued after 4/1/2023 use a separate claim contact, so Home should be treated as unverified as an actively marketed line from the official website. No current official public flood appetite/underwriting bulletin with explicit declined classes, occupancy restrictions, valuation limits, or coastal eligibility was found. However, official Bankers BOP materials hosted on Bankers domains provide some underwriting indicators for Florida small commercial/BOP business: eligible risks generally may not exceed 25,000 square feet or $3,000,000 annual gross sales per location in the rule manual, while a newer quick reference guide says submit to underwriting risks with prior cancellation/nonrenewal, prior losses within 5 years, annual sales over $6,000,000, additional insured requests of controlling interest/designated person-organization type, no prior insurance or coverage gaps over 30 days, buildings over 40 years old without system updates, and roofs over 25 years old. The same BOP guide identifies ineligible risks including wood shingle roofs, aluminum wiring, converted structures not updated to commercial code, buildings over 40 years old without plumbing/electrical/heating updates, existing damage, used/second-hand/antique/collectible goods, private-label/trade-name product sellers, and risks where installation/service/repair receipts exceed 25%; the rule manual also notes a prior hurricane damage certification form and that flood is excluded under the BOP form. Broker notes: use the Bankers agent portal for access and submissions/service routing; expect underwriting referral on older buildings, prior-loss or lapse situations, and certain endorsement changes; no binding should be assumed from marketing pages alone, and CAT-prone coastal/Southeast business should be discussed directly with the appropriate Bankers line contact. Because no verified current official appetite guide for Home or Flood with explicit accept/decline rules was located, guidance should be treated as directional and producers should confirm line-specific eligibility with Bankers before quoting or binding.