Clearside General
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
Clearside General (ClearSide General Insurance Services, LLC / ClearSide General Services, LLC) operates as a managing general agent and program administrator for National General/Integon and related carriers, focused primarily on auto insurance. Publicly available documents reference standard and preferred private passenger auto, auto physical damage, and commercial auto placed through Clearside on behalf of Integon/National General. However, Clearside’s detailed line‑by‑line underwriting guidelines and appetite are not published on its public website. Preferred / target business (inferred from role and carrier relationships): - Personal auto (standard and preferred) and non‑standard auto written through National General / Integon entities, with Clearside providing agency services, policy administration, and claims administration to support these books. - SR‑22 and assigned‑risk type filings for auto, as evidenced by SR‑22 related forms hosted on the Clearside site. - Commercial auto where offered by the underlying Integon/National General programs cleared through Clearside as the program/MGA administrator. Restricted / declined classes: - No explicit public list of prohibited or restricted classes is posted. Producer agreements state that producers must adhere to "ClearSide’s Underwriting Guidelines" and rate guides, but those documents are not exposed on the open site and appear to be distributed directly to appointed producers. As such, any specific class restrictions (e.g., certain vehicle types, high‑risk drivers, or specialized commercial auto segments) must be confirmed in the current proprietary Clearside/National General underwriting manuals. Geographic notes: - Historical and regulatory filings show Clearside operating as a program/MGA for National General/Integon across multiple states, with notable activity tied to California and Arizona. The Arizona Producer Appointment Agreement on Clearside’s site confirms active producer appointments in that state. Broader state availability, territorial surcharges, and any state‑specific eligibility nuances follow the filed National General/Integon auto programs and must be verified per state. Submission requirements and producer instructions: - Producers are independent contractors and must be formally appointed via Clearside’s Producer/Appointment Agreement packages by state (e.g., Arizona agreement). Producers agree to be bound by all Clearside underwriting guidelines, rate guides, rules, commission schedules, and other written instructions supplied by Clearside. - Producers generally have authority only to solicit, receive, and submit applications. The standard agreement explicitly states that producers have no authority to bind risks unless a specific written addendum grants binding authority. Any such binding authority, if granted, remains subject to Clearside’s written underwriting guidelines. - Clearside reserves the right to refuse any policy at any time or to cancel policies in accordance with contract provisions and governing law. Producers must return unearned commissions when premiums are refunded due to cancellation. - Advertising or marketing materials that reference Clearside or use its name must receive prior written approval from Clearside. - Operationally, producers are expected to submit complete applications and supporting documentation in line with Clearside program instructions; incomplete submissions may be pended or declined in accordance with internal underwriting rules that are not publicly posted. Broker/producer notes: - Producers maintain control over their own operations and may represent other insurers, but must allow Clearside access to books and records related to Clearside‑placed business for audit or reconciliation. - Commissions and commission changes are governed by Clearside schedules and can be revised with at least 30 days’ notice, with undistributed commissions subject to offset against money due Clearside. Because Clearside’s actual appetite guides, eligibility matrices, vehicle/driver class restrictions, and binding rules are not published, operational practice is to rely on the proprietary Clearside/National General underwriting manuals provided to appointed agencies and to treat the public site as informational only. For concrete risk acceptability, always consult the current Clearside underwriting guide and the filed state program for the specific Integon/National General carrier being used.