Conifer Holdings, Inc.
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
Conifer writes niche commercial and personal P&C business in select states through Conifer Insurance Company and White Pine Insurance Company, with a focus on specialty commercial lines (cannabis, food & beverage, liquor liability, mainstreet/retail) and low‑value dwelling/homeowners programs. Appetite is concentrated in non‑commoditized, underserved market segments rather than broad standard lines.([sec.gov](https://www.sec.gov/Archives/edgar/data/1502292/000119312518277876/d568384d424b4.htm?utm_source=openai)) Preferred business / target segments - Cannabis: Retailers/dispensaries, cultivators, processors, manufacturers, and ancillary cannabis operations written under a dedicated cannabis program. Emphasis on specialized forms and loss control tailored to cannabis operations.([coniferinsurance.com](https://coniferinsurance.com/?utm_source=openai)) - Food & Beverage: Bars, taverns, restaurants, private clubs, and related hospitality classes, often packaged with liquor liability and property/GL. Liquor liability is a core competency and legacy focus.([coniferinsurance.com](https://coniferinsurance.com/?utm_source=openai)) - Liquor Liability: Stand‑alone or packaged liquor liability for on‑premises alcohol sales exposures (bars, taverns, restaurants, clubs) supported by in‑house claims expertise.([coniferinsurance.com](https://coniferinsurance.com/?utm_source=openai)) - Mainstreet: Smaller retail and service businesses that do not fit the traditional food & beverage profile but fall into general mainstreet categories (e.g., small shops, light mercantile and services) written via a mainstreet program.([coniferinsurance.com](https://coniferinsurance.com/?utm_source=openai)) - Low‑Value Dwellings / Homeowners: Personal lines programs focused on low‑value dwellings and homeowners in selected states, using admitted and E&S paper as needed. Historically used to balance commercial and personal portfolios.([sec.gov](https://www.sec.gov/Archives/edgar/data/1502292/000119312518277876/d568384d424b4.htm?utm_source=openai)) Restricted or declined risks (operationally inferred) - Large, commoditized middle‑market property or GL accounts that do not fit a niche or specialty profile. - High‑catastrophe homeowners (especially coastal wind‑exposed risks in Florida, Texas, Hawaii and similar CAT‑exposed territories); Conifer has explicitly deemphasized Florida HO and other wind‑exposed personal property and focuses instead on low‑value dwelling segments in less‑volatile regions.([sec.gov](https://www.sec.gov/Archives/edgar/data/1502292/000119312518277876/d568384d424b4.htm?utm_source=openai)) - Out‑of‑appetite commercial classes outside cannabis, F&B/hospitality, liquor, mainstreet small commercial, and select specialty GL; large national‑account style schedules and risks seeking broad manuscript forms are generally not the target. - Placement outside licensed/approved states or outside surplus‑lines eligibility where E&S status is required (Conifer writes a mix of admitted and E&S; ensure proper surplus‑lines filings in E&S states).([sec.gov](https://www.sec.gov/Archives/edgar/data/1502292/000119312518277876/d568384d424b4.htm?utm_source=openai)) Geographic notes - Conifer operates via admitted and E&S platforms (Conifer Insurance Company and White Pine Insurance Company) in selected U.S. states; appetite is more favorable in states where it has established niche programs (for example, cannabis and liquor liability states shown in marketing materials and filings).([sec.gov](https://www.sec.gov/Archives/edgar/data/1502292/000119312518277876/d568384d424b4.htm?utm_source=openai)) - Personal lines focus has shifted away from Florida HO and highly wind‑exposed coastal territories; expect tighter scrutiny or declinations on coastal wind or hurricane‑driven property risks.([sec.gov](https://www.sec.gov/Archives/edgar/data/1502292/000119312518277876/d568384d424b4.htm?utm_source=openai)) - Detailed state eligibility and program maps are not published in a single appetite PDF on the public site; producers should confirm active states with their Conifer underwriter or marketing contact before marketing or binding. Submission and underwriting process - Program and application portal: Conifer lists program applications and related forms and directs completed applications to a central commercial lines inbox (e.g., CommercialLines@ConiferInsurance.com) for underwriting review.([conifer.premiercg.com](https://conifer.premiercg.com/applications/?utm_source=openai)) - Expect fully completed ACORDs plus program‑specific supplemental applications (cannabis, liquor, restaurant/bar, mainstreet) including detailed operations description, revenues/sales mix, prior carrier/loss runs (typically 3–5 years), and any risk‑control features (security, sprinklers, training, etc.). - For liquor‑driven hospitality accounts, underwriters will expect detailed information on alcohol sales percentage, closing times, entertainment (bands, dance floors, DJs), bouncer and security procedures, incident reporting, and any assault & battery exposure. - For cannabis accounts, expect additional questions regarding license types, on‑site security, product handling, THC concentration/edibles, and compliance with state regulations; some classes may be written on E&S paper with surplus‑lines filing requirements. - For low‑value dwellings/homeowners, anticipate underwriting screens for construction type, age, updates, occupancy, protection class, prior losses, and CAT exposure; risks in hurricane‑prone coastal counties or with severe deferred maintenance are likely to be restricted or declined. Broker / producer notes - Business is written through appointed producers and intermediaries; Conifer historically operated affiliated and third‑party distribution and now emphasizes capital preservation and selective growth in core, profitable niches, so expect tighter underwriting and potential capacity limits by line and state.([coverager.com](https://coverager.com/conifer-sells-insurance-agency-operations/?utm_source=openai)) - Producers should route submissions to the appropriate program team (Cannabis, Food & Beverage, Liquor Liability, Mainstreet, or Low‑Value Dwellings) and avoid shotgun submissions outside the published specialty programs; appetite is narrow and focused. - Because Conifer uses both admitted and E&S paper, producers must confirm which entity (CIC vs. White Pine) is proposed, ensure correct surplus‑lines handling where applicable, and manage insured expectations around non‑standard forms and minimum premiums. Operational takeaway: Treat Conifer as a targeted specialty market for cannabis, hospitality/liquor, mainstreet small commercial, and low‑value dwelling personal lines in selected states. Avoid submitting large, standard‑market accounts or broad coastal homeowners; provide complete program‑specific apps, alcohol/cannabis details, and full loss information to secure terms.