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
Verified official underwriting guidance remains the 2022 consolidated underwriting guidelines PDF on the carrier site. BCIC writes property/casualty business throughout New York State except the five boroughs of New York City. Current product pages show appetite for personal homeowners, manufactured homes, landlord, and small-to-medium commercial business via BOP, SMP, Commercial Fire, and package formats. Preferred commercial business includes retail stores, service organizations, offices, apartments, restaurants, craft vendors, and some light manufacturing/food or alcohol production when placed in SMP rather than BOP. Homeowners program targets 1-4 family owner-occupied dwellings, with seasonal/secondary homes available; landlord targets 1-4 family rental dwellings with no business on premises. Key personal lines restrictions/declinations in the published guidelines include: dwellings under $50,000 Coverage A for new business; replacement cost under 80% or ACV under 60% of full replacement cost; singlewide and doublewide manufactured homes in standard homeowners forms (must use mobile/manufactured home program); replacement cost on dwellings 10+ years old without prior approval; dwellings 20+ years old without prior approval; dwellings occupied less than 9 months per year in certain forms; mobile homes under $20,000 Coverage A; gentleman farms with receipts over $10,000 or boarding/lessons; landlord risks over 4 families, unoccupied dwellings, missing leases/tenant maintenance agreements/local manager info when required, singlewide mobile homes, and student housing above 2 students per unit/8 total; bed & breakfast over 4 rooms; child care over 3 children; boat physical damage not eligible. Dog restrictions apply across forms: any attack-trained dog, any dog with bite/aggressive history, or risks with more than 3 dogs; exceptions require underwriting approval before binding. Key commercial restrictions/declinations include: apartments over 60 units; auto repair/auto sales; churches; manufacturing ineligible in certain commercial programs; vacant buildings over 1 year subject to underwriting approval; CFP risks below 80% replacement cost or below 60% ACV; builders risk once construction has started for CFP; ACE/artisan risks with property under $2,500, under 60% ACV, 21+ employees, gross receipts over $1.5M, 25% or more subcontracted work, general contractors, incidental roofing over 10%, any primarily roofing operation, snow removal of any kind, employers without in-force workers compensation, and requests for $1M liability without sufficient experience/prior coverage. For commercial restaurant/liquor exposures, liquor legal liability requires prior underwriting approval. Submission and binding notes: binding authority shown for Homeowner Coverage A up to $400,000; Broome's Best/Form 5 cannot be bound prior to company acceptance; related private structures exclusion requires prior underwriting approval; no binding on risks rejected or non-renewed by BCIC or another carrier without underwriting approval; any exception must be approved in writing. Inspections are at BCIC underwriting/management discretion. A solid fuel burning questionnaire is required for wood stoves or other alternative heat sources. If mortgagee-required coverage exceeds the replacement cost estimate, a More Than Value acknowledgment is required. Vacant property submissions require photos of all 4 sides of the primary structure and all outbuildings; builders risk submissions require site photos. Renewal survey is required every 3 years. Broker/producer notes: BCIC is open to licensed independent agents or brokers in New York and states this on its New Agent Info page. The 2024 new agent packet confirms the insured/payment site and the separate quoting/management portal (AgentConnect/mi4.bcicny.com), plus general claims, info, and accounting mailboxes for operational use. Business hours listed are Monday-Friday 8:30 AM-4:00 PM. Overall, the published guidance appears unchanged from the 2022 underwriting manual, with later 2024 producer materials focused on system/navigation rather than revised appetite.