Cornerstone Insurance
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
Cornerstone Insurance Producers, LLC presents itself as a specialty MGA and wholesale platform with nationwide licensing and a 50-state footprint. Currently published underwriting guidance is product-driven rather than a formal downloadable appetite guide. Preferred business includes: self-storage tenant insurance nationwide through the SBOA Tenant Insurance Program; builders risk for residential and light commercial new construction and remodeling, with published parameters of up to $25M TIV, $400 minimum premium, PC 1-10, one-shot and reporting form options, and Tier 1 wind/hail availability; cannabis and vape shop risks via the Alchemy E&S BOP for small to mid-size businesses, with ISO-structured BOP coverage, TIV up to $5M per location, multi-location scheduling, higher limits by referral, LRO availability, product coverage on claims-made and occurrence forms, direct underwriter access, and minimum premiums starting at $1,250; and artisan contractors GL/Inland Marine, with over 40 class codes, limits up to $1M/$2M, AI and waiver options, Inland Marine for contractor equipment/tools/floaters, new ventures eligible if the owner has one year of same-field experience, and minimum premiums starting at $400. Wholesale brokerage guidance indicates admitted and non-admitted solutions nationwide, with stated specialties in construction, home builders, specialty trade contractors, hazardous materials removal, self-storage, cannabis, CBD/vape shops, life sciences, OCP, and food/beverage companies. No explicit declined or prohibited class list was found on the verified official pages reviewed, so restrictions appear to be handled by referral/underwriter review rather than a published do-not-write list. Geographic notes: the site states licensing in all 50 states and DC; wholesale says all 50 states; builders risk is specifically published as currently written in Florida and Texas on an admitted basis; tenant insurance is described as nationwide; the cannabis/vape and contractor product pages do not publish narrower state restrictions on the reviewed page. Submission and producer notes: Cornerstone emphasizes technology-enabled distribution, including online rate/quote/bind capability for builders risk, cannabis/vape, and contractors, plus API integrations and direct access to underwriters in the Alchemy program. Broker-facing messaging highlights fast quoting, customizable niche programs, and seamless service for trading partners. The site also states the brand is transitioning, noting 'Cornerstone Insurance Producers is now Alchemy Insurance Solutions,' which may be relevant for producer contact and branding verification before submission.