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 focuses on niche and often underserved commercial segments, offering bespoke commercial package solutions primarily through specialty programs for cannabis, food & beverage/hospitality, liquor liability, mainstreet retail, student housing, and workers’ compensation. Appetite is program‑driven, with each program subject to carrier underwriting guidelines and state availability. PREFERRED / TARGET BUSINESS - Cannabis Programs (Cannabis Essentials & Cannabis Select): Dispensaries/provisioning centers, cultivators/growers, product manufacturers, lounges/on‑site consumption, labs/safety compliance, extraction companies, microbusinesses, transporters, processors, lessors risk only (when tenant’s coverage is or will be with Conifer). Targeted to operators in legalized states and DC, with Cannabis Essentials geared to small/midsize operators and Cannabis Select to large, multi‑state operators and MSOs seeking higher limits and more robust risk management support.([coniferinsurance.com](https://coniferinsurance.com/insurance-programs/?utm_source=openai)) - Food & Beverage / Hospitality: Bars, taverns, restaurants, private clubs, and related hospitality risks, with package and/or liquor liability as a cornerstone offering. Mainstreet program targets hospitality‑oriented risks that fall outside the traditional food & beverage profile (e.g., smoke/vape, liquor and convenience stores, other small retail tied to hospitality).([coniferinsurance.com](https://coniferinsurance.com/insurance-programs/?utm_source=openai)) - Student Housing: Seasoned property owners operating well‑maintained, privately owned off‑campus or multi‑tenant student housing portfolios. Dwellings are eligible if part of a multi‑tenant portfolio. Focus is on experienced, hands‑on operators aligned with “thoughtful underwriting and lasting relationships.”([coniferinsurance.com](https://coniferinsurance.com/wp-content/uploads/2025/07/Program-Flyers-StudentHousing.pdf?utm_source=openai)) - Workers’ Compensation: Monoline workers’ compensation available (noted as a wholesale product) in Michigan, targeting niche accounts consistent with Conifer’s broader specialty focus.([coniferinsurance.com](https://coniferinsurance.com/insurance-programs/?utm_source=openai)) KEY COVERAGES & LIMIT ORIENTATION (PROGRAM HIGHLIGHTS) - Cannabis Essentials: Typically offers up to roughly $5M property and $1M/$2M GL & products limits (per corporate news comparison), with admitted and non‑admitted options depending on state, built for affordability and accessibility for small to mid‑sized cannabis operations.([coniferinsurance.com](https://coniferinsurance.com/strengthening-cannabis-industry-commitment/?utm_source=openai)) - Cannabis Select: Launched 2025 for large operators and MSOs; high‑capacity non‑admitted program with property limits up to $25M per location and GL/products up to $5M/$5M, defense outside limits, customizable theft coverage, and broad property enhancement options. Designed for sophisticated, larger‑scale cannabis risks nationwide where legal.([coniferinsurance.com](https://coniferinsurance.com/wp-content/uploads/2025/03/CIS_Cannabis-Select.pdf?utm_source=openai)) - Cannabis Property & Liability (general program flyer): Buildings, crop & stock, goods in process, BPP, improvements & betterments, business income, equipment breakdown, property enhancement endorsement; liability includes GL, products (claims‑made), marijuana liability, cyber, and HNOA. Lessors risk only is available when tenant coverage is or will be placed with Conifer.([coniferinsurance.com](https://coniferinsurance.com/wp-content/uploads/2024/08/CIS_Cannabis.pdf?utm_source=openai)) - Student Housing: Admitted in MI, E&S in IN and OH. GL up to $1M/$2M (with standard personal/advertising and damage to premises rented limits), products/completed ops aggregate $2M; property up to $10M per location with special perils and enhancement endorsements; HNOA auto up to $1M.([coniferinsurance.com](https://coniferinsurance.com/wp-content/uploads/2025/07/Program-Flyers-StudentHousing.pdf?utm_source=openai)) - Workers’ Compensation: Monoline workers’ comp with standard WC coverage structure; marketed as a customized program for niche commercial clients.([coniferinsurance.com](https://coniferinsurance.com/wp-content/uploads/2024/03/CIG_Workers-Compensation.pdf?utm_source=openai)) GEOGRAPHIC NOTES - Cannabis Essentials: Available to businesses operating in all legalized states and DC, but one flyer notes availability nationwide excluding NY & FL, with admitted and E&S options varying by state. Agents should confirm current state eligibility for each cannabis program.([coniferinsurance.com](https://coniferinsurance.com/wp-content/uploads/2024/08/CIS_Cannabis.pdf?utm_source=openai)) - Cannabis Select: Available to cannabis businesses in all legalized states and DC on a non‑admitted basis via Houston Specialty Insurance Company (Skyward Specialty subsidiary).([coniferinsurance.com](https://coniferinsurance.com/wp-content/uploads/2025/03/CIS_Cannabis-Select.pdf?utm_source=openai)) - Student Housing: Admitted in Michigan; E&S availability currently listed for Indiana and Ohio only.([coniferinsurance.com](https://coniferinsurance.com/wp-content/uploads/2025/07/Program-Flyers-StudentHousing.pdf?utm_source=openai)) - Workers’ Compensation: Explicitly identified as available in Michigan as a stand‑alone wholesale product.([coniferinsurance.com](https://coniferinsurance.com/insurance-programs/?utm_source=openai)) RESTRICTED OR DECLINED CLASSES (PROGRAM‑LEVEL INDICATIONS) - Student Housing: Explicitly ineligible—university‑owned housing, fraternity/sorority housing, historical buildings, and apartments with high non‑student occupancy. These should generally be declined or moved to alternative markets.([coniferinsurance.com](https://coniferinsurance.com/wp-content/uploads/2025/07/Program-Flyers-StudentHousing.pdf?utm_source=openai)) - Cannabis: Flyers note all products are subject to underwriting guidelines, review, and approval, with program availability varying by state. High‑risk or non‑compliant operations, and operations outside legalized frameworks, will fall outside appetite. Appetite for NY and FL is limited or excluded per current cannabis flyer.([coniferinsurance.com](https://coniferinsurance.com/wp-content/uploads/2024/08/CIS_Cannabis.pdf?utm_source=openai)) - General: All programs are expressly subject to carrier underwriting guidelines and may vary by state and carrier partner; high‑hazard or non‑specialty classes that do not match a program (e.g., non‑hospitality commercial property without a program fit) are likely outside appetite. SUBMISSION & PRODUCER INSTRUCTIONS - Cannabis Select: Submission must include the dedicated Cannabis Select application, statement of values (when applicable), and current loss runs. All documents and applications are to be sent to CannabisSelect@ConiferInsurance.com. Flyer emphasizes that programs and products are subject to underwriting guidelines, review, and approval.([coniferinsurance.com](https://coniferinsurance.com/wp-content/uploads/2025/03/CIS_Cannabis-Select.pdf?utm_source=openai)) - Cannabis Essentials (general cannabis program): No standalone submission checklist is provided on the flyer, but agents are directed to Conifer’s cannabis page or to contact cannabis program experts for details and appointment. All business is subject to underwriting review; admitted vs E&S status is state‑dependent.([coniferinsurance.com](https://coniferinsurance.com/wp-content/uploads/2024/08/CIS_Cannabis.pdf?utm_source=openai)) - Student Housing: Submissions are to be emailed to CommercialLines@ConiferInsurance.com. Marketing contact is available at marketing@coniferinsurance.com for appetite or program questions. Use program flyer as an eligibility screen before submission.([coniferinsurance.com](https://coniferinsurance.com/wp-content/uploads/2025/07/Program-Flyers-StudentHousing.pdf?utm_source=openai)) - Workers’ Comp and Other Commercial Programs: Conifer’s applications portal instructs producers to use program‑specific or commercial summary applications and submit completed applications to CommercialLines@ConiferInsurance.com. Producers should reference the relevant program flyer and ensure alignment with target classes before sending.([conifer.premiercg.com](https://conifer.premiercg.com/applications/?utm_source=openai)) - Appointment / Access: For cannabis specifically, producers are invited in corporate news to get appointed via the dedicated cannabis page or by contacting listed experts; this implies that cannabis programs may be limited to appointed agents/brokers and administered through program partners such as Skyward Specialty.([coniferinsurance.com](https://coniferinsurance.com/strengthening-cannabis-industry-commitment/?utm_source=openai)) BROKER / PRODUCER NOTES - Conifer positions itself as a specialty program administrator (or MGA) for most of these programs and distributes through agents and brokers. Materials stress expertise in target industry groups, responsiveness, underwriting speed, and access to A‑rated carrier paper.([coniferinsurance.com](https://coniferinsurance.com/insurance-programs/?utm_source=openai)) - Many programs, particularly cannabis and student housing, are structured with admitted and E&S options; producers should be prepared for non‑admitted placements and set expectations accordingly with insureds. - All marketing materials are expressly "for guidance" and emphasize that actual offerings, limits, and eligibility vary by state and are controlled by underwriting guidelines; brokers should treat flyers as appetite screens and confirm specifics with underwriters (especially for state availability, maximum limits, and any evolving exclusions or class restrictions). Operationally, treat Conifer as a program‑driven specialty market: confirm program fit first (cannabis, hospitality/food & beverage/liquor, mainstreet retail, student housing, Michigan WC), verify geographic eligibility, use the designated applications and email boxes (CannabisSelect@ConiferInsurance.com or CommercialLines@ConiferInsurance.com), and expect all risks to be subject to detailed underwriting review and carrier‑specific guidelines.