Celina Insurance
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
Celina publishes producer-facing guidance primarily through its Agent FAQ and product pages rather than a formal downloadable appetite guide. Current footprint is regional and state-specific: commercial business is written in Ohio, Indiana, Tennessee, and West Virginia; workers’ compensation is shown only in Indiana and Tennessee; Kentucky is primarily farm/economy-plus and does not show the core commercial package/property/umbrella lineup. For the requested lines, Commercial Property/CPP/Umbrella are listed in OH, IN, and TN, with WV showing Businessowners, Commercial Auto, Commercial Liability Umbrella, and Commercial Inland Marine but not the broader CPP/property lineup. Homeowners is shown in OH, IN, and TN through Celina Mutual/National Mutual. Celina positions itself as a relationship-driven carrier with assigned marketing reps and underwriters, emphasizing direct access to the same underwriting contacts and a 'common-sense' underwriting approach. Published preferred business indications come from its commercial product pages. Targeted small-to-midmarket classes include trade contractors, churches, automobile services/car washes, used auto dealers, convenience stores/grocery stores/restaurants, offices, service/processing risks, laundromats/dry cleaners, self-storage, metalcrafters, bed and breakfasts, rental properties, and renovation projects. Trade contractors receive especially specific guidance: eligible examples include interior carpentry, millwork installation, floor covering installation, furniture/fixture installation, interior decorators, paperhanging, interior tile/stone/marble work, landscape gardening, lawn sprinkler installation, appliance installation/repair, refrigeration systems installation/repair, carpet/upholstery cleaning, janitorial services for residential or light office, pressure washing, window cleaning up to three stories, and exterior/interior painting with exterior work limited to three stories and no spray painting for sign painting. Celina also highlights Contractors Errors and Omissions availability for eligible contractor classes and mentions add-on needs such as additional insureds, non-owned or employee tools, and lessor of leased equipment. Operational restrictions/limitations explicitly published are limited, but notable items include geography and program availability by state. Renovation projects are specifically stated as not available in West Virginia. Workers’ compensation availability is limited to Indiana and Tennessee on the published agent/business pages. Kentucky and West Virginia have narrower overall offerings than OH/IN/TN, so submissions outside those published state/product combinations should be treated cautiously. The website does not provide a broad formal decline list, so unusual, heavy, or non-target classes would need underwriter review rather than being assumed in appetite. Submission/producer notes: business is distributed through independent agents. Prospective agencies use the Become an Agent form and are contacted by a marketing representative to discuss the application process. Celina states new agents receive formal orientation, training, and development support. For appointed producers, marketing reps help agencies navigate systems/processes, quote and write business, train new producers, and identify growth opportunities. The carrier also notes loss control services for commercial policyholders, including onsite safety consultations and online training/safety policy development resources. Practical takeaway: lead with regional, relationship-based submissions for standard small commercial and homeowners business in the published states, especially the named program classes; confirm state/product fit up front; and involve the assigned underwriter early for contractor nuances, renovation risks, or business outside clearly listed programs.