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 Insurance Services currently presents itself as a specialty MGA distributing through independent retail and wholesale agencies, with delegated underwriting authority and niche commercial programs rather than a broad personal lines/home appetite. Publicly published appetite is concentrated in specialty commercial segments: cannabis, hospitality/food & beverage, standalone liquor liability, mainstreet retail, student housing, and workers’ compensation. For the listed Commercial Property and Commercial Package appetite, the clearest current fit is package business combining GL, Property, and often Liquor Liability for niche classes. Preferred/package targets include bars, taverns, restaurants, pubs, bistros, wine bars, breweries, wineries, distilleries, fraternal organizations, convenience stores, beer/wine/liquor stores, tobacco stores, vape shops, cigar stores, and privately owned off-campus student housing. Workers’ compensation appetite is focused on well-managed small to mid-sized main street risks including cannabis, food & beverage, specialty retail, NEMT, assisted living/at-home care, specialty trades/services, entertainment venues, social/fraternal clubs, janitorial, and small manufacturers. Restricted/declined notes publicly stated by program: Mainstreet excludes CBD, hemp, and cannabis risks from that program; tobacco, vape, and cigar risks are eligible but product liability is excluded and agents are told to communicate that upfront; HNOA is available up to $1M on several package programs but no delivery exposure. Food & Beverage ineligible classes include nightclubs, adult entertainment, axe throwing venues, music venues, wedding venues, event centers, banquet halls, special events, mobile food trucks, mobile cigar lounges, and catering/bartending services; HNOA excludes delivery operations. Monoline Liquor Liability accepts many alcohol-selling operations, including grocery stores, gas stations, comedy clubs/dinner theaters, billiard/pool halls, and bowling centers, but publicly states the same ineligible list: nightclubs, adult entertainment, axe throwing venues, music venues, wedding venues, event centers, banquet halls, special events, mobile food trucks, and catering/bartending services. Student Housing has a narrow appetite: preferred risks are privately owned, well-maintained, off-campus, multi-tenant student housing with experienced property management and a dedicated maintenance team; ineligible are university-owned housing, fraternity/sorority housing, historical buildings, properties with high non-student occupancy, and locations with outdated building systems. Geographic notes: Conifer’s website says program availability varies by state, with admitted business where highlighted on its map and otherwise E&S. Specific published state details include Food & Beverage and Mainstreet admitted in Michigan and E&S in Colorado, Idaho, Illinois, Indiana, Kentucky, Nebraska, Ohio, and Wyoming; monoline Liquor Liability admitted in Michigan and E&S in Illinois, Indiana, and Ohio. Submission requirements repeatedly published across programs are completed Conifer application, ACORD forms or equivalent, and 3-5 years of loss runs/history; liquor submissions also require annual liquor receipts. Public submission instruction is to send risks to CommercialLines@ConiferInsurance.com, and Conifer notes that if the producer is unsure which program fits, the underwriting team will route the submission. Broker/producer notes: Conifer states it partners exclusively with independent retail and wholesale agencies, offers downloadable applications plus web apps, and has a 'Become an Agent' agency appointment path. No verified public personal lines/home underwriting or appetite page was found on the official site, so Home should be treated as unverified from currently published producer-facing guidance.