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 current official submission/appetite content is available for CapSpecialty’s DragonX excess casualty platform rather than a current all-lines package/property/workers comp appetite guide. DragonX is positioned as in-the-box underwriting for small business excess casualty, with class-customized excess casualty coverage, competitive premium and limit options, and online/broker-facing submission workflow. For the listed product lines, CapSpecialty’s official currently verifiable property guidance is operational rather than class-appetite based: the Property Coverage/Bailees supplemental requires one application per building/location and collects detailed occupancy, construction, updates to roof/electrical/HVAC/plumbing, protection details (sprinklers, alarms, cameras, controlled access), property values, tools/equipment values, and bailee/storage controls where customer property is stored or cleaned. That indicates preference for risks that can provide building-specific underwriting details, defined premises controls, and documented procedures for customer property handling. Verified submission expectations include completed ACORD application materials where applicable, prior carrier loss runs for at least some casualty/construction submissions, signed supplemental applications, and prompt written notice of any material change before binding. Additional official broker/producer instructions verified: loss runs are handled through CapSpecialty’s dedicated request portal, and new agency/broker contacts must use Add Contact so CapSpecialty can verify authorization before releasing loss runs. Also verified from an official contractor supplemental used by CapSpecialty/Capitol Indemnity: underwriting asks for years in business, licensing, operating states, experience, safety program, payroll, subcontractor cost, work type split, prior defect claims, new construction, condo/townhouse exposure, and subcontractor risk transfer/COI practices; this suggests scrutiny on construction defect, new construction, multi-state operations, and subcontracted work. No current verified official appetite page was found specifically for Commercial Property, Commercial Package, Commercial Umbrella, or Workers Comp under Capitol Indemnity Insurance Company showing explicit preferred/declined classes; therefore restricted/declined classes for those exact lines could not be confirmed from a current official source. Use DragonX for excess casualty inquiries and CapSpecialty supplemental/portal workflows for submissions and servicing.