Branch Insurance Exchange
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 official producer-facing guidance remains limited and marketing-oriented rather than a formal published underwriting appetite guide. Branch’s official agency submission page positions the carrier as a digital personal-lines market focused on fast, bindable bundled home and auto quoting for independent agents, with quoting designed to start from only a name and address and with Branch pulling third-party data such as claims history, MVR, mortgage, and credit-related information where permitted. Public-facing product pages indicate Branch Insurance Exchange issues personal lines products including home, auto, umbrella, and related add-ons, with an emphasis on bundled home/auto accounts and a simplified quote-to-bind experience. Geographic note: Branch states its Exchange products are not available in California, and the product availability page says the Exchange only offers products where licensed and authorized. No formal public list of preferred occupancies, construction types, protection classes, age-of-home limits, or explicit declined classes was found on official pages reviewed. No official public underwriting bulletin or appetite matrix was found specifying restricted or prohibited home risks; accordingly, any class-specific decline guidance is not verified from public official sources. Producer/broker notes: the agency page instructs agencies to submit interest through the contact form to discuss partnership details with a state-dedicated Agency Success Manager and then use Branch’s digital quote-to-bind workflow. Branch also promotes PartnerLink, a co-branded agency landing page for customer self-service and commission generation. An agency promo page states Branch is appointing agencies only in certain states and excludes appointments in AL, CA, CO, DE, FL, HI, LA, MA, MI, MN, NC, NH, NJ, NV, NY, RI, SC, and TX; this appears to relate to agency appointment availability rather than necessarily all product availability, so confirm current appointment status directly with Branch before submission planning. Operationally, treat Branch as a personal-lines, technology-driven market best suited for straightforward bundled home/auto opportunities in approved states, with underwriting details and state appetite to be confirmed through agency onboarding rather than from a published public appetite guide.