CSE Insurance Group
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 status / capacity - As of the latest published notice, CSE Insurance Group states it "has no active policies in-force" and is in run‑off under Compre ownership; activity is limited to handling existing and former policies and claims, not writing new business or renewals. - Public regulatory filings indicate CSE and its affiliates (including CSE Safeguard) are continuing a planned run‑off of legacy books rather than active growth or new underwriting. New capital contributions were made to support run‑off obligations, not expansion. Current appetite and underwriting posture - There is effectively **no new-business appetite** for any product line (home, auto, boat/watercraft, or other P&C). Treat CSE as **closed to new and renewal production** unless you receive explicit written confirmation from the carrier or program administrator that a specific niche program has re‑opened. - Any previously distributed producer guides, risk-eligibility manuals, or appetite tools for CSE, CSE Safeguard, or related entities should be considered **obsolete for placement purposes**. Historical manuals (e.g., Homeowner Select Program – California) were created when the book was open and do not represent current appetite or authority. Preferred / acceptable risks (historical only – not currently open) - Historical manuals for CSE Safeguard’s California Homeowner Select Program show a traditional admitted personal-lines HO appetite with standard risk-eligibility rules, including: • Single‑family and similar residential owner-occupied dwellings at a fixed location. • Requirements around condition of premises, acceptable electrical and plumbing systems, and underwriting review for older homes. • Specific guidance for risks with pools/spas, solid‑fuel stoves, LPG, vacant/under‑construction homes, and on‑site inspections. - These guidelines are useful only to understand legacy book characteristics and potential claim/coverage disputes on in‑force or run‑off policies; they should **not** be used to bind or quote any new work. Restricted / declined classes (operational now) - All new business and renewal quoting should be treated as **declined** by default because the group reports having no active policies in force and no active retail programs. - Do not submit new applications for homeowners, auto, or boat/watercraft to CSE unless a specific run‑off or legacy‑policy service instruction from Compre/CSE explicitly directs you to do so. Geographic notes - Historically, CSE was a California‑domiciled personal‑lines writer with a focus on Western U.S. (especially California homeowners). That geographic appetite is no longer operative due to the run‑off status. Submission / processing expectations (legacy policies only) - For **new claims or existing claim handling** on prior CSE policies, the public site directs insureds/claimants to: • Call the claims number provided on the CSE website, or • Email the dedicated CSE claims mailbox. - For **questions on former policies** (verifications, copies, coverage disputes, etc.), the site directs inquiries to a dedicated email address for former CSE policies. - No public instructions remain for producer quote submission, binding authority, or new-business workflows; agent support and SPInn portal references are legacy artifacts and should be assumed non‑functional or limited to run‑off servicing only. Broker / producer operational instructions - Treat CSE as a **run‑off / closed-market carrier**: • Do not market CSE to clients as an available option for new or renewal placements. • Do not rely on old producer binding authority or manuals for any new risks. • Redirect any prospective homeowners, auto, or watercraft placements to alternative active carriers. • Use CSE contact points only for service of legacy obligations (claims, policy history, loss runs, etc.). - If your agency management system, rater, or comparative quote tools still show CSE as an available market, coordinate with your internal operations/IT teams to flag the market as **inactive/closed** pending any future re‑launch communication from Compre/CSE. Net operational takeaway for underwriters and producers - CSE / CSE Safeguard should be treated as **run‑off only, no production**. - There is **no actionable current underwriting appetite** for new business or renewals; all guidelines in circulation are historical and for reference in handling legacy policies and claims. - For any exceptions or special programs you may hear about, obtain written confirmation and updated guidelines directly from Compre or CSE before attempting to submit business.