Countryway Insurance Company
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
Carrier focus & geography - Countryway specializes in farms and rural communities in eight northeastern states plus Kentucky; distribution is via appointed independent agencies only. Key products in the referenced checklist - “New Business Checklist – All Other” applies to Commercial Auto, Dwelling Fire, Commercial Umbrella and (in practice) other non-standard lines that are not directly quotable in the agent system. These products must be manually submitted for a quote and are not available for self-rating in Countryway’s online system. Preferred / target business (operational view) - Farm, rural, and small-town risks supporting Countryway’s core farm and rural book. - Accounts where related home and auto or farm and auto policies are placed with Countryway (checklist instructs producers to include supporting policy numbers with Commercial Auto, Umbrella, and Dwelling Fire submissions).([countrywayconnection.com](https://www.countrywayconnection.com/help/Sales/New%20Business%20Checklist%20All%20Other.pdf?utm_source=openai)) Restricted or declined - The checklist itself does not list specific prohibited classes, but it explicitly notes that complete guidelines must be consulted for product- and class-level eligibility. It flags that Commercial Auto, Dwelling Fire, and Umbrella cannot be bound or quoted by agents in the system and must be underwritten by Countryway, which functionally restricts appetite to risks approved by an underwriter.([countrywayconnection.com](https://www.countrywayconnection.com/help/Sales/New%20Business%20Checklist%20All%20Other.pdf?utm_source=openai)) Submission & quoting requirements - Products not available for agent quoting (Commercial Auto, Dwelling Fire, Umbrella, and similar “all other” lines) require a full ACORD application: - Commercial Auto: ACORD Commercial Auto app, signed by insured. - Umbrella: ACORD Commercial Umbrella app, signed by insured. - Dwelling Fire: ACORD Dwelling Fire or appropriate property app, signed by insured. - For each “all other” submission, the producer must send: - Signed ACORD application including agent code number. - Down payment (normally 20% of annual premium) with the submission, unless directed otherwise. - For Commercial Auto: cost new, radius, gross vehicle weight (GVW), and a copy of registration for limited-use plates where applicable. - For Commercial Auto and/or Umbrella: driver list and MVRs. - For Commercial Auto and/or Umbrella: CLUE report. - For Commercial Auto and/or Umbrella: Insurance Score – Casualty, per checklist note. - Quoting workflow: - Agents may manually rate where they have tools, but the checklist stresses that these products are not in the agent system and that a completed ACORD application is required for an official quote. - For rush quotes, producers are told to email or fax the ACORD submission to the assigned underwriter and then call the underwriter; without this follow-up, responses can take 24–48 hours.([countrywayconnection.com](https://www.countrywayconnection.com/help/Sales/New%20Business%20Checklist%20All%20Other.pdf?utm_source=openai)) Submission channels & addresses - Quote requests (where allowed by workflow): - Email ACORD applications to: quotes@countryway.com. - New business issuance: - Email: underwriting@countryway.com. - Fax: (804) 290-1582. - Mail: Countryway Insurance, P.O. Box 27552, Richmond, VA 23261. - The checklist warns that failure to provide all required information at submission will delay processing of the application and policy.([countrywayconnection.com](https://www.countrywayconnection.com/help/Sales/New%20Business%20Checklist%20All%20Other.pdf?utm_source=openai)) Broker / producer operational notes - These “all other” products are centrally underwritten; agents have no straight-through binding or quoting authority in the normal online system. - Producers are instructed to clearly indicate supporting policy numbers (home/auto or farm/auto) to tie new submissions into existing accounts. - For time-sensitive deals, the process expectation is: complete ACORD + required supporting data → email/fax to underwriter → immediate phone call to underwriter to flag urgency. - The checklist reiterates that agents must consult “complete guidelines” for detailed eligibility and class rules, so local underwriting bulletins or manuals remain controlling where they differ from this high-level checklist.([countrywayconnection.com](https://www.countrywayconnection.com/help/Sales/New%20Business%20Checklist%20All%20Other.pdf?utm_source=openai)) Homeowners / farm & rural context (from public site) - Public materials confirm that Countryway’s Homeowners (“Country Pride”) and related farm/rural coverages are marketed as broad packages for farms and rural communities, but they do not publish detailed public appetite or class restrictions. Appetite should therefore be confirmed against internal manuals or your Countryway underwriter for risks outside traditional rural/farm and small-town profiles.([countryway.com](https://countryway.com/OurProducts/Homeowner.aspx?utm_source=openai))