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
Countryway is a regional farm and rural personal lines carrier writing in selected northeastern states plus Kentucky, distributed exclusively through appointed independent agents. Publicly available underwriting detail is limited; most guidance is contained in internal agent materials. What is visible focuses on submission workflows and general product positioning rather than granular risk rules. Preferred / target business - Focus on farms and rural or small‑town risks; personal lines marketed as “Country Pride” homeowners with an emphasis on owner‑occupied dwellings in the carrier’s regional footprint.([countryway.com](https://countryway.com/Home.aspx?utm_source=openai)) - Multi‑line households are favored; checklists reference tying Commercial Auto, Dwelling Fire and Umbrella to existing home/auto or farm/auto accounts (supporting cross‑sell / account rounding).([countrywayconnection.com](https://www.countrywayconnection.com/help/Sales/New%20Business%20Checklist%20All%20Other.pdf?utm_source=openai)) Restricted / declined classes (inferred) - The public checklist repeatedly directs agents to “see complete guidelines for more information,” indicating that specific accept/decline criteria (age/condition of dwellings, protection class, prior losses, coastal exposures, etc.) are controlled in a separate manual not posted publicly.([countrywayconnection.com](https://www.countrywayconnection.com/help/Sales/New%20Business%20Checklist%20All%20Other.pdf?utm_source=openai)) - New business for certain commercial and property lines (Commercial Auto, Dwelling Fire, Umbrella) cannot be agent‑quoted in the online system and must be submitted to an underwriter; placement is therefore discretionary and subject to full underwriting review.([countrywayconnection.com](https://www.countrywayconnection.com/help/Sales/New%20Business%20Checklist%20All%20Other.pdf?utm_source=openai)) Geographic notes - Company explicitly positions itself as serving farms and rural communities in eight northeastern states and Kentucky; availability of policy options and discounts for the Country Pride Homeowner programs varies by state. Agents must verify state eligibility and specific features in their agent portal or state‑specific materials.([countryway.com](https://countryway.com/Home.aspx?utm_source=openai)) Submission / workflow requirements (agents) - For Commercial Auto, Dwelling Fire, and Umbrella new business, agents must: - Obtain a completed, signed ACORD application from the insured (commercial auto, umbrella, or dwelling fire as applicable). - Include supporting coverage policy numbers on the submission (e.g., home & auto or farm & auto) so the underwriter can see related policies. - Include agent code on the application. - Provide required supporting data: cost new, radius, GVW and registration copies for limited‑use plates (Commercial Auto); driver list and MVRs; CLUE reports; and insurance score where required for casualty lines.([countrywayconnection.com](https://www.countrywayconnection.com/help/Sales/New%20Business%20Checklist%20All%20Other.pdf?utm_source=openai)) - These products are explicitly noted as NOT available for agent self‑quoting in the system. Agents must complete ACORD forms and send to underwriting for a quote; if a quick turnaround is needed, agents are instructed to email or fax the application directly to the assigned underwriter and then call to flag the urgency. Standard turnaround is stated as 24–48 hours; missing information will delay processing.([countrywayconnection.com](https://www.countrywayconnection.com/help/Sales/New%20Business%20Checklist%20All%20Other.pdf?utm_source=openai)) - Submission channels: - Quotes: email ACORD apps to quotes@countryway.com. - Issue new business: email to underwriting@countryway.com, fax to (804) 290‑1582, or mail to Countryway’s Richmond, VA PO Box as shown on the checklist.([countrywayconnection.com](https://www.countrywayconnection.com/help/Sales/New%20Business%20Checklist%20All%20Other.pdf?utm_source=openai)) Homeowners / farm homeowners positioning - Country Pride Homeowners and Country Pride Gold are marketed as broad, competitively priced packages with options for higher coverage limits and additional endorsements. Other Countryway policies referenced in these materials include auto and personal umbrella, with state‑specific availability and discounts. Detailed dwelling‑level underwriting criteria (roof age, age of home, protection class, dog breeds, etc.) are not disclosed publicly and should be taken from the internal Underwriting Guide in the agent portal.([countryway.com](https://www.countryway.com/OurProducts/Homeowner/CountryPrideGold.aspx?utm_source=openai)) Boat / watercraft - No dedicated, public Countryway boat or watercraft underwriting guide is available; any boat or watercraft coverage is likely written via endorsements or partner programs and/or tied to a homeowners or farm package. Agents should follow the internal underwriting manual and any program‑specific instructions accessible through the agent portal for eligibility (boat type, length, horsepower, usage, storage, and territory) and should treat submissions as underwriter‑referred where the rating system does not support direct quoting. Producer / broker notes - Countryway writes solely through contracted independent agencies; there is no direct‑to‑consumer quoting. Prospective or current agents should use the agent portal (Countryway Connection) for access to complete underwriting manuals, appetite guides, and state programs, and must follow line‑of‑business checklists to avoid processing delays. - When time‑sensitive, agents are explicitly advised to call the underwriter after emailing/faxing the ACORD submission to request expedited handling; failure to communicate urgency can result in a 24–48‑hour quote delay.([countrywayconnection.com](https://www.countrywayconnection.com/help/Sales/New%20Business%20Checklist%20All%20Other.pdf?utm_source=openai)) Operational takeaway: For Home and related property lines (including any boat/watercraft exposure), treat Countryway as a controlled‑distribution rural and farm market with state‑specific rules. Use the agent portal for detailed eligibility, assume underwriter review for anything non‑standard or not rateable in the system, submit complete ACORD applications with supporting documents, and proactively contact underwriting for rush quotes.