Broome Co-operative Insurance Company
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
Current public guidance remains the consolidated "Broome 2022 Underwriting Guidelines – Version 1.0 Effective 1/1/22," referenced on the carrier’s 2022 General Underwriting Guidelines post and available to agents via AgentConnect. No newer public manual or appetite guide was identified as of April 1, 2026. Overall appetite - Personal and small commercial property-focused regional carrier using AAIS forms. Target is standard, well-maintained risks in small towns and suburban communities in NY state and other filed territories; strong preference for owner-occupied, primary use risks with good loss experience. - Manual emphasizes accurate risk development, COPE details, and adherence to individual line manuals for rating. Accounts not fitting written guidelines require underwriter review and approval. Preferred / target business (summary by line) - Homeowners: 1–2 family, owner-occupied dwellings in good condition, with updates to roof, heating, wiring and plumbing consistent with age. Limited prior losses and no severe liability hazards (e.g., unfenced pools without required protections, aggressive dog breeds, trampolines without controls). - Dwelling Fire / Landlord: 1–4 family dwellings with professional management or experienced landlords, up-to-date utilities, no aluminum knob-and-tube or severely outdated wiring, and satisfactory inspection. Stable, long-term tenants preferred. - Farmowners / Gentlemen Farm and hobby-type operations: light farm exposures (limited livestock, small-scale crop/produce, no high-hazard agritainment or custom farming for others) and well-maintained farm buildings. - Mobile/Manufactured Home and Renters: standard construction, anchored and skirted mobile homes in park or owned lot; renters with typical household contents and no unusual hazards. - Commercial Property and Commercial Package (including BOP-type accounts): small to lower-middle market main street businesses with light manufacturing or mercantile, standard frame/masonry-NC construction, central station or local alarms where appropriate, and normal fire protection for the area. Preference for established operations with at least 3 years in business, stable ownership, and clean loss history. Restricted / watch list classes (typical from 1/1/22 manual) - Personal lines: Older dwellings without system updates; risks with multiple water, fire, or liability losses; properties with significant unrepaired damage or vacancy; student or rooming houses; short-term rentals/"Airbnb"-style occupancy; ineligible dog breeds, unfenced pools, and trampolines without safety measures. - Commercial: Bars/taverns, nightclubs, adult entertainment, cannabis-related operations, firearm sales/indoor ranges, heavy manufacturing, large habitational greater than the carrier’s stated maximum units, unprotected frame restaurants with deep fryers and no UL 300/K-type suppression, vacant buildings, and risks with prior arson, large open claims, or poor housekeeping/safety practices. - Farm: Custom farming for others, commercial feedlots, riding stables open to the public, agritainment, and large commercial dairy or poultry operations usually require referral or are not written depending on size. Declined / generally not acceptable - Properties not meeting minimum underwriting standards for condition, life-safety, or protection (e.g., severe knob-and-tube wiring still in use, solid fuel heating without acceptable safeguards, roofs at or beyond life expectancy with visible deterioration). - Illegal, highly hazardous, or morale-hazard occupancies; risks with evidence of fraud, misrepresentation, or unwillingness to maintain premises; accounts outside the carrier’s licensed territories. - Certain high-hazard commercial classes and large industrial operations beyond the regional, small-commercial appetite are typically declined or sent to specialty/surplus markets. Geographic notes - Broome Co-operative is a regional carrier headquartered in Vestal, NY and focuses on its filed/approved territories (principally New York; agents should confirm eligible counties and any coastal/wind or brush restrictions by line in the manual or with underwriting). - Manual expects attention to protection class, distance to fire hydrant and responding fire department, and local crime/fire history when determining eligibility and pricing for both personal and commercial property. Submission and underwriting expectations - Submissions are to be entered through AgentConnect with complete ACORD applications and line-specific supplemental forms, fully completed and signed when required. - Underwriting stresses accurate, current COPE data, prior carrier and loss history (5 years where available), photos, and inspection follow-up. Material changes from quoted to bound terms (occupancy, protection, renovation status) must be promptly reported. - Certain risks are "refer to company" only; agents must not bind where guidelines require referral. Manual notes that underwriters may impose higher deductibles, coverage limitations, or special conditions as alternatives to declination when appropriate. Broker/producer instructions - The 2022 General Underwriting Guidelines announcement directs appointed agents to obtain and use the consolidated guidelines via AgentConnect and encourages agents to review them to understand risk appetite and procedures. - Producers are asked to submit complete, well-documented accounts, avoid "test" submissions that clearly fall outside stated appetites, and work with underwriters early on unusual or borderline risks. Because the detailed PDF is behind the carrier’s portal for agents, line-specific thresholds (limits, age-of-roof cutoffs, maximum units, etc.) should be verified directly in the manual or with a Broome underwriter before binding.