Erie Insurance Company
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
ERIE’s verified public-facing guidance is marketing/appetite-oriented rather than a detailed producer underwriting manual. Current published business appetite centers on the ErieSecure Business® policy, positioned for small-to-mid-sized businesses with real-time quoting and package-style placement. Publicly highlighted preferred segments include contractors, restaurants, retailers, and breweries/wineries/distilleries, with industry-specific solutions also promoted through ERIE’s commercial industry pages. Commercial package/property offerings emphasize building, business personal property, income protection, optional cyber/data breach coverage, employment practices liability, and umbrella support; workers’ compensation is available with employers liability and limited other-states coverage. Public underwriting advantages specifically called out include discounts for franchises, sprinklered risks, and central or local fire alarm protection, plus Guaranteed Replacement Cost availability on ErieSecure Business for qualifying risks. Geographic footprint is limited to ERIE’s 12-state/D.C. operating territory: Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin, and the District of Columbia. Submission flow is agent-centric: ERIE writes through independent local agents, and quote/request activity on public pages routes prospects to an ERIE agent rather than a direct online bind platform. Publicly available submission requirements are limited, but workers’ compensation claim/support guidance indicates ERIE expects standard employer, employee, wage, incident, and policy details when handling comp matters; physician panel procedures vary by state, and ERIE offers risk control consultation to help insureds reduce loss exposures. Notable producer/broker note: ERIE’s official site does not expose a detailed public broker appetite/declination list or wholesale submission guide, so restricted/declined classes cannot be verified from official public materials. Operationally, use ERIE for in-footprint main street/small commercial package business that fits its featured industries and protection credits; refer unusual, distressed, high-hazard, or out-of-territory risks to an ERIE-appointed local agent for case-by-case eligibility review.