Equity Insurance Company
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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
Equity Insurance Company is a regional personal auto insurer writing through a select network of independent agents, with operations and underwriting based in Tulsa, Oklahoma and active direct writings primarily in Oklahoma, Arkansas, and Missouri.([polic-elink.equityins.net](https://polic-elink.equityins.net/m/contactus?utm_source=openai)) Preferred / target business (inferred from footprint and distribution): - Standard personal auto for drivers in Oklahoma, Arkansas, and Missouri written via appointed independent agencies; company positions itself as providing affordable coverage rather than non‑standard or surplus lines. - Business is written only through contracted agents; there is no direct‑to‑consumer binding by non‑appointed producers.([polic-elink.equityins.net](https://polic-elink.equityins.net/m/contactus?utm_source=openai)) Restricted or declined business (explicit guidance not published): - No public, formal appetite or underwriting criteria are posted on the carrier site. Based on being a private‑passenger auto writer only, risks outside personal auto (e.g., homeowners, commercial lines, specialty programs) should be assumed out of appetite and placed with other markets in the Home State Insurance Group where applicable.([insurancejournal.com](https://www.insurancejournal.com/services/newswire/2018/06/07/491311.htm?utm_source=openai)) - Non‑appointed agents should not submit or bind business; all submissions must route through an authorized Equity agency. Geographic notes: - Direct writings and agency distribution are focused in Oklahoma and Arkansas, with additional direct business in Missouri noted in regulatory and trade publications.([polic-elink.equityins.net](https://polic-elink.equityins.net/m/contactus?utm_source=openai)) - Company is licensed in a broader set of states (up to 28) but currently operates as a personal‑auto writer in this core tri‑state footprint; treat other states as non‑target unless specifically cleared by your Equity marketing or underwriting contact.([insurance.mo.gov](https://insurance.mo.gov/sites/insurance/files/market-regulation-action/EIC420.pdf?utm_source=openai)) Submission & underwriting process (from contact/operations information): - All new business should be submitted by appointed agents to the Tulsa operations center (Customer Service / Underwriting) using the company’s application upload fax or email, or other tools provided in the agency portal. Key contacts: underwriting phone 800‑777‑0404 (option 2); underwriting email uw@equityins.net; upload app fax 800‑406‑0071.([polic-elink.equityins.net](https://polic-elink.equityins.net/m/contactus?utm_source=openai)) - Standard service hours for underwriting and customer service are Monday–Friday, 8 a.m.–5 p.m. Central, via the Tulsa office at 616 South Boston, Tulsa, OK 74119.([polic-elink.equityins.net](https://polic-elink.equityins.net/m/contactus?utm_source=openai)) - Claims are handled internally with 24/7 intake via dedicated claim phone numbers; producers should direct insureds to the claims unit rather than managing losses themselves.([polic-elink.equityins.net](https://polic-elink.equityins.net/m/contactus?utm_source=openai)) Broker / producer notes: - Equity distributes exclusively through selected independent agents in its core states; producers need an agency appointment before marketing or binding policies.([polic-elink.equityins.net](https://polic-elink.equityins.net/m/contactus?utm_source=openai)) - Underwriting and customer service are centralized in Tulsa; producers are expected to use the published underwriting contact channels for questions, clarifications, and submission follow‑up. - No online public producer manual or appetite guide is available; agents should rely on their Equity marketing representative or underwriting contact for current program rules, eligibility criteria (e.g., driver/vehicle acceptability, prior insurance requirements, violation/accident thresholds), and any state‑specific restrictions. Important limitations: - As of this refresh, Equity Insurance Company does not publish detailed line‑by‑line underwriting guidelines, eligibility matrices, or risk appetite grids on its public website. The above reflects only what can be confirmed from official and regulatory sources plus reasonable operational inferences; agents must confirm specific appetite questions directly with Equity underwriting before quoting or binding outside the typical personal‑auto profile in OK/AR/MO.