Conifer Holdings, Inc.
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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 Holdings, Inc. is currently operating publicly through Conifer Insurance Services as a specialty MGA focused on niche commercial programs distributed through independent retail and wholesale agencies, not direct-to-consumer personal lines. The verified public appetite is concentrated in specialty commercial package and liability business rather than standard home products. Core published target segments are small-to-mid-sized cannabis operators (Cannabis Essentials), large/complex or multi-state cannabis accounts (Cannabis Select), hospitality/food and beverage risks, standalone liquor liability, specialty retail/Mainstreet risks, student housing, and workers’ compensation. Program availability is state-specific via Conifer’s online state map, with highlighted states admitted and all others E&S where offered. Mainstreet targets convenience stores, beer/wine/liquor stores, tobacco stores, vape shops, and cigar stores, typically combining GL, Property, and Liquor Liability in one package; admitted in Michigan and E&S in Colorado, Idaho, Illinois, Indiana, Kentucky, Nebraska, Ohio, and Wyoming. Important restriction: product liability is excluded on tobacco, vape, and cigar risks, and CBD/hemp/cannabis exposures are not eligible in Mainstreet. Food & Beverage targets bars, taverns, restaurants, breweries, wineries, distilleries, fraternal organizations, pubs/bistros/wine bars, and some gaming-parlor hospitality risks; admitted in Michigan and E&S in Colorado, Idaho, Illinois, Indiana, Kentucky, Nebraska, Ohio, and Wyoming. Food & Beverage can consider no-liquor accounts and higher liquor-to-food ratio operations based on the full operational profile rather than a strict ratio cutoff, but excludes 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. Hired/non-owned auto may be available up to $1M in hospitality and Mainstreet programs, but delivery is excluded. Standalone liquor liability is available separately with zero deductible, liquor receipts up to 100% considered, and limits up to $1M/$1M; published availability is admitted in Michigan and E&S in Illinois, Indiana, and Ohio. Cannabis Essentials is for licensed small-to-mid-sized operators, including new ventures; published as available nationwide excluding Florida, admitted in Michigan and E&S elsewhere, with submissions routed to CommercialLines@ConiferInsurance.com. Cannabis Select is for larger, more complex, higher-limit and multi-state cannabis risks, written on an E&S basis nationwide in legalized states and D.C., with a single-policy/multi-state positioning and submissions to CannabisSelect@ConiferInsurance.com. Student Housing has a narrow property appetite: privately owned off-campus multi-tenant student housing for experienced operators, with preference for majority-student occupancy, dedicated maintenance teams, and experienced management; admitted in Michigan and E&S in Indiana and Ohio. Student Housing declines or excludes university-owned housing, fraternity/sorority housing, historical buildings, apartments with high non-student occupancy, outdated building systems, and first-time or inexperienced operators. Submission expectations across published programs generally require completed Conifer applications plus ACORD forms or equivalent, along with 3-5 years of current and prior carrier loss runs; student housing additionally requests SOV, property details, recent capital improvements, and maintenance/management information. Producer/broker note: Conifer repeatedly instructs agents to submit to CommercialLines@ConiferInsurance.com unless a cannabis-select risk belongs at CannabisSelect@ConiferInsurance.com, and says risks can be routed internally if the best fit is unclear. Publicly verified broker-facing guidance supports niche commercial underwriting only; no current verified official public appetite guidance for Home was located on the carrier site.