Eagle Point Mutual
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
Eagle Point Mutual is a Wisconsin‑domestic mutual focused on local property business, primarily homeowners and farmowners, with all business written in Wisconsin. Preferred / target business - Personal lines homeowners and farmowners are the core book; each comprises roughly 40+% of net writings per OCI exam. - Standard to preferred residential property: owner‑occupied homes, including newer or well‑maintained dwellings; policies can be tailored on market value, ACV, seasonal, or preferred new home forms. - Farms and country estates in rural and small‑town Wisconsin, with the ability to schedule dwellings, farm buildings, and farm personal property and add a broad suite of endorsements (replacement cost on residence and personal property, farm‑related special perils, contaminated milk, peak season, farm liability, custom farming, etc.).([eaglepointmutual.com](https://www.eaglepointmutual.com/products/?utm_source=openai)) - Small commercial "mom and pop" risks under Businessowners and Artisan programs such as cleaning services, small contractors, landscaping, offices, small apartment risks, and similar main‑street occupancies, combining property and liability coverage.([eaglepointmutual.com](https://www.eaglepointmutual.com/products/?utm_source=openai)) Geographic scope / territorial appetite - Licensed only in Wisconsin; not licensed in any other state. - Actively writes via independent agencies in a defined Wisconsin footprint; history page lists counties currently in‑territory (including but not limited to Adams, Barron, Buffalo, Chippewa, Clark, Dunn, Eau Claire, La Crosse, Marathon, Monroe, Polk, St. Croix, Trempealeau, Wood, etc.).([eaglepointmutual.com](https://www.eaglepointmutual.com/history/?utm_source=openai)) - OCI merger filings indicate a plan for the merged company to be authorized in all Wisconsin counties, but operational agency deployment may still be concentrated in the listed counties; confirm with underwriting before assuming appetite in new or fringe counties.([oci.wi.gov](https://oci.wi.gov/Pages/Companies/MrgrJamestown.aspx?utm_source=openai)) Restricted / declined business (inferred from profile) - Out‑of‑state risks are not eligible; company is Wisconsin‑only. - Focus is strictly on property and associated liability; no evidence of auto, umbrella‑only, or stand‑alone specialty lines—such monoline casualty or out‑of‑appetite specialty classes should be treated as declined unless pre‑cleared with the Eagle Point underwriter.([oci.wi.gov](https://oci.wi.gov/Documents/Companies/FinEagle.pdf?utm_source=openai)) - Large or complex commercial accounts, heavy industrial, or high‑hazard manufacturing exposures are outside the stated "small business" and "mom and pop" positioning and should be considered non‑target and referred for specific underwriting approval.([eaglepointmutual.com](https://www.eaglepointmutual.com/products/?utm_source=openai)) Distribution / submission expectations - Business is written through a network of appointed independent agencies; OCI exam notes 29 agencies with 100+ individual agents, confirming a strictly agency‑driven distribution model. Direct‑to‑consumer submissions are not indicated.([oci.wi.gov](https://oci.wi.gov/Documents/Companies/FinEagle.pdf?utm_source=openai)) - Website does not publish a formal producer underwriting guide or online appetite checklist. Agents should contact the Eagle Point underwriter directly for borderline risks or territory questions. - Claims reporting instructions emphasize contacting the agent first, then taking reasonable steps to protect property and prevent further damage; emergency losses reported through the agent on the next business day, not directly via a 24/7 carrier call center. This supports the model that the agency remains the primary point of contact for policyholders, including for first notice of loss.([eaglepointmutual.com](https://www.eaglepointmutual.com/claims/?utm_source=openai)) Broker / producer notes - No public producer‑only portal or rating system is exposed on the site; however, there is an "Agents" and "Agent Tools" area visible from the navigation, implying that detailed underwriting rules, forms, and rating tools are accessible to appointed agents once logged in. Use those internal tools for specific eligibility, construction, and protection criteria. - Underwriting staff (including a named underwriter and assistant underwriter on the contact page) are clearly listed; producers are expected to work directly with these individuals for questions on risk eligibility, coverage tailoring, and exceptions.([eaglepointmutual.com](https://www.eaglepointmutual.com/contact-us?utm_source=openai)) Operational takeaways - Treat Eagle Point Mutual as a regional Wisconsin‑only property carrier with strong appetite for standard homeowners, farms, country estates, and small main‑street commercial, placed exclusively through independent agencies in their defined territory. - For any risks outside listed counties, unusual occupancies, or large commercial schedules, obtain pre‑clearance from the Eagle Point underwriter due to the carrier’s size, mutual structure, and community‑focused appetite profile.