Donegal 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
Verified public-facing guidance remains high level rather than a detailed public appetite guide. Donegal positions itself as a regional writer for small to midsize businesses and markets a broad commercial P&C offering through independent agents only. Publicly listed commercial products include Businessowners, BOP Contractor's, Commercial Package, Commercial Auto, Commercial Liability Umbrella, Auto Dealers, Workers' Compensation, EPL, Liquor Liability, Contractor's E&O, loss control, premium audit, and commercial group programs. Commercial Package is described as the fit for businesses that do not fall into specialized programs such as Businessowners, BOP Select, or Tradesman's programs, with selectable property/liability coverages including fire/allied lines, GL, inland marine, crime, and equipment breakdown; Silver Series property enhancement endorsements are available. Geographic note: commercial business is stated as being written in Mid-Atlantic and Midwestern regions, with listed states including PA, MD, DE, VA, OH, GA, TN, AL, NC, IA, NE, SD, WI, MI, NH, ME, NM, TX, CO, UT, IN, IL, and SC. Submission/broker guidance: Donegal does not sell direct and works exclusively through independent insurance agents; insureds and prospects are directed to use the Find an Agent tool for quotes and placement. Public producer-facing underwriting appetite details, class restrictions, and formal declined classes were not found on the verified public site, so no specific prohibited classes should be inferred from this refresh. Operational notes available publicly: commercial premium audits apply to all commercial new business with auditable exposures within 60 days after policy expiration; billing can be direct bill, account bill, EFT, or agency bill with installment options; loss control resources are available, including a PA-only workers' compensation management program and contractor/fleet/fire/emergency planning support. Group program note: Donegal also highlights chamber-affiliated commercial group programs for members, with potential discounts/dividends via local agents.