Capitol Indemnity 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 carrier presence at CapSpecialty. For Capitol Indemnity Corporation specifically, CapSpecialty’s legal notice states Capitol Indemnity is an admitted carrier authorized in all states, while some CapSpecialty products may also be written on Capitol Specialty Insurance Corporation surplus lines paper depending on product and jurisdiction. Publicly available underwriting/appetite guidance tied to the requested property/package/umbrella/workers comp mix is limited; no clearly verified standalone public appetite guide for Commercial Property, Commercial Package Policy, or Workers Comp was found on the official site. The strongest current public underwriting guidance is the official DragonX excess casualty/umbrella submission material: wholesale-only distribution; designed for small to mid-sized businesses; over 675 eligible ISO classes; fast quote/bind/issue workflow; payroll up to $2.5M, revenue up to $15M, restaurants up to 60% liquor sales, land up to 10,000 acres, apartments up to 750 units, real estate up to 1.5M square feet, dwellings up to 150 units, fleets up to 25 vehicles, and subcontractor cost up to $5M. Preferred/target segments for this excess/umbrella platform are restaurants, hospitality, real estate, commercial and residential contractors including custom home builders, distributors, light manufacturing, and service industries. Restricted/declined or unavailable classes called out publicly include trucking/logistics, energy risks, assisted living and nursing homes, sorority/fraternity housing, nightclubs, auto dealers, special events, distributors in certain contexts, and contractors in Colorado or New York; liquor liability is unavailable in Alabama, Iowa, South Carolina, Vermont, and Washington, D.C. Limits publicly stated for DragonX are lead excess and high excess within the first $26M of coverage, with $1M to $5M limits automatically listed on quote letters and ability to schedule across multiple lead excess policies in the same tower. Separate public Specialty GL brokerage material indicates CapSpecialty individually underwrites small to medium enterprises on a surplus lines basis in all 50 states and D.C., with target manufacturing/distribution, hospitality, and real-estate-owner risks, primary GL up to $2M/$4M, supported excess up to $10M, occurrence form, $10,000 CGL minimum premium, and limited wholesale-only distribution by appointment. Broker/producer instructions verified publicly: distribution is wholesale-only for the public appetite pieces reviewed; producers can use CapSpecialty’s online portals for quoting/binding where appointed; loss runs are released only to authorized contacts, and new agencies/brokers must add contact information for authorization before receiving loss runs. Operationally, for the requested carrier refresh, treat Capitol Indemnity/CapSpecialty as a selective small-to-mid-market specialty writer with best-publicly-verified appetite in excess casualty/umbrella and specialty casualty classes, and expect broker-submitted wholesale business with class, geography, and portal eligibility screens before quoting. Because no verified public workers comp or package/property appetite page was located, those lines should be treated as unverified from public sources and confirmed directly with the carrier/appointed distribution channel before marketing.