Delos Insurance Solutions
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
Delos operates as a homeowners/property MGA focused on wildfire-exposed risks, currently writing primarily in California on a non‑admitted/surplus lines basis, with policies issued by A‑rated carriers. They specialize in identifying lower‑risk homes within broadly high‑risk wildfire territories using proprietary wildfire models and satellite imagery; appetite is high for homes in wildfire‑stressed areas that their models classify as medium or low risk, including FAIR Plan clearinghouse placements and homes where standard carriers have non‑renewed.([getdelos.com](https://www.getdelos.com/?utm_source=openai)) PREFERRED BUSINESS (Delos/Homesite Homeowners): - One‑ to two‑family (sometimes up to four‑family) owner‑occupied dwellings used as primary or seasonal/secondary residences, located in California, including in areas perceived as high wildfire risk but that Delos’ model scores as insurable.([myglobalfirst.com](https://myglobalfirst.com/wp-content/uploads/2024/11/DELOS-HOMESITE-UW-GUIDELINES-1.pdf?utm_source=openai)) - Risks where the named insured is an individual residing at the premises; trusts/LLCs/LLPs allowed only as additional insured/interest after binding, not as primary named insured. - Standard residential construction with acceptable wildfire exposure, including homes currently on or recently moved from FAIR Plan coverage where a full HO‑3 policy is needed.([insurancejournal.com](https://www.insurancejournal.com/news/west/2022/11/15/695023.htm?utm_source=openai)) PREFERRED BUSINESS (Delos/Homesite Landlord): - One‑ to four‑family dwellings rented to tenants on a long‑term basis (minimum tenant occupancy per program rules), with no more than four separate living units and otherwise meeting core underwriting guidelines.([myglobalfirst.com](https://myglobalfirst.com/wp-content/uploads/2024/11/DELOS-HOMESITE-LANDLORD-UW-GUIDELINES-1.pdf?utm_source=openai)) RESTRICTED OR DECLINED RISKS (selected highlights – Delos/Homesite Homeowners & Landlord): - Occupancy/Use: Business conducted on premises involving more than two customer visitors per week (other than any specifically allowed home daycare exception) is ineligible. Commercial or retail farming operations are ineligible. Home daycare operations are ineligible.([myglobalfirst.com](https://myglobalfirst.com/wp-content/uploads/2024/11/DELOS-HOMESITE-UW-GUIDELINES-1.pdf?utm_source=openai)) - Dwelling type and units: Properties with more than two families per unit for the homeowners program, or more than four separate living units for landlord, are ineligible.([myglobalfirst.com](https://myglobalfirst.com/wp-content/uploads/2024/11/DELOS-HOMESITE-UW-GUIDELINES-1.pdf?utm_source=openai)) - Named insured: Estates are not acceptable as named insureds; trusts/LLCs/LLPs must be handled per guideline (generally as additional insureds only).([myglobalfirst.com](https://myglobalfirst.com/wp-content/uploads/2024/11/DELOS-HOMESITE-UW-GUIDELINES-1.pdf?utm_source=openai)) - Construction/wildfire features: Homes with wood roofs are not acceptable in the landlord program and are typically outside appetite for wildfire‑focused homeowners business. Additional wildfire‑driven construction, defensible‑space, and home‑hardening criteria apply per internal scoring/inspection, with underwriting explicitly factoring mitigation into eligibility and pricing.([myglobalfirst.com](https://myglobalfirst.com/wp-content/uploads/2024/11/DELOS-HOMESITE-LANDLORD-UW-GUIDELINES-1.pdf?utm_source=openai)) - Other disqualifying factors: Additional ineligible risk categories (e.g., certain loss histories, severe condition/maintenance issues, or other high‑hazard features) are referenced as not all‑inclusive in the guidelines; producers are directed to the full guide on the Delos resources site for complete lists.([myglobalfirst.com](https://myglobalfirst.com/wp-content/uploads/2024/11/DELOS-HOMESITE-UW-GUIDELINES-1.pdf?utm_source=openai)) GEOGRAPHIC NOTES: - Current active focus is California; Delos is licensed in CA and writes full HO‑3 coverage, particularly in wildfire‑impacted counties and "insurance desert" regions where traditional carriers have reduced or withdrawn.([getdelos.com](https://www.getdelos.com/?utm_source=openai)) - Programs are positioned as surplus lines/non‑admitted in CA with expanded capacity for both standard and higher‑value homes; they have progressively added capacity since 2022, including initiatives tied to the CA FAIR Plan clearinghouse.([iireporter.com](https://iireporter.com/delos-expands-home-insurance-access-in-wildfire-prone-california/?utm_source=openai)) SUBMISSION & UNDERWRITING PROCESS (Producer‑Facing): - Access is via Delos’ agent portal for appointed agents; producers must obtain an appointment or partner agreement before submitting business. The portal supports a streamlined, largely digital HO‑3 application.([getdelos.com](https://www.getdelos.com/agents?utm_source=openai)) - Underwriting is guidelines‑driven but heavily model‑based: property location, construction details, roof type, defensible space, and other wildfire‑mitigation characteristics are evaluated against Delos’ proprietary wildfire model and carrier‑specific rules. Underwriters review new business and renewals, inspections, and endorsements with authority/ escalation protocols defined internally.([prnewswire.com](https://www.prnewswire.com/news-releases/delos-insurance-solutions-partners-with-exavalu-to-implement-guidewire-insurancenow-cloud-platform-successfully-to-deliver-protection-to-wildfire-exposed-homes-in-california-301984207.html?utm_source=openai)) - For Delos/Homesite programs, producers are expected to follow the non‑admitted California-specific guidelines, including verifying occupancy type, number of units, presence of any business on premises, roof construction, and compliance with any required mitigation standards before binding. Applications that fall outside of stated guidelines require underwriter referral. BROKER/PRODUCER NOTES: - Delos positions itself as a solution for otherwise "uninsurable" wildfire areas; marketing emphasizes a desire to provide coverage rather than declinations and to minimize non‑renewals where possible. Producers should expect an appetite for appropriately mitigated wildfire‑zone risks but should not submit obviously high‑hazard properties (e.g., severe construction/roof issues, unmitigated vegetation, disqualifying occupancies).([getdelos.com](https://www.getdelos.com/agents?utm_source=openai)) - Policies are written on behalf of multiple A‑rated carriers; producers must follow carrier‑specific claims and policy servicing instructions found in the policy documents (claims are reported per the issuing carrier’s instructions on the declarations, not directly to Delos, except for guidance and triage).([getdelos.com](https://www.getdelos.com/?utm_source=openai)) - Delos is actively expanding capacity and geographic reach in wildfire‑prone regions; producers should monitor Delos’ agent communications and resources page for updates to state availability, capacity limits (e.g., higher‑value home programs), and any revised underwriting guidelines.