Falcon Insurance Company - TALON Financial 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
Publicly available information for Falcon Insurance Company (often branded as Falcon Insurance Group) indicates a focus on nonstandard personal auto. No formal underwriting or appetite guide is published on the carrier site as of this refresh, so the following is inferred from available descriptions and should be validated against your program or MGA contract. PREFERRED / TARGET BUSINESS - Private passenger auto drivers needing state‑mandated liability who may not qualify for standard markets (e.g., prior violations, accidents, lapses in coverage, or credit challenges).([falconinsgroup.com](https://www.falconinsgroup.com/?utm_source=openai)) - Value‑focused insureds seeking basic coverage and flexible payment plans rather than broad package policies.([falconinsgroup.com](https://www.falconinsgroup.com/?utm_source=openai)) RESTRICTED / DECLINED (INFERRED) - Standard or highly preferred risks that can be placed with admitted standard personal auto carriers (Falcon is positioned toward nonstandard).([falconinsgroup.com](https://www.falconinsgroup.com/?utm_source=openai)) - Commercial auto, heavy trucks, specialty commercial vehicles, or non‑auto P&C lines – no indication these are written by Falcon Insurance Company in the U.S. personal auto platform.([falconinsgroup.com](https://www.falconinsgroup.com/?utm_source=openai)) - Aviation and other specialty risks are handled by separate entities (Falcon Insurance Agency for aviation), not this personal‑auto Falcon Insurance Company; do not submit aviation exposure to the personal auto company.([falconinsurance.com](https://falconinsurance.com/service-lines/specialty-insurance?utm_source=openai)) GEOGRAPHIC NOTES (INFERRED) - Corporate and marketing materials reference operations out of Oak Brook, Illinois, with distribution via independent agents in multiple states; detailed state list is not shown on the public site. Expect filings and availability in selected states only; confirm appointed states and forms through your GA/MGA or Falcon marketing contact.([falconinsgroup.com](https://www.falconinsgroup.com/?utm_source=openai)) SUBMISSION & UNDERWRITING PRACTICES (INFERRED) - Business is placed exclusively through independent agents; there is no direct‑to‑consumer binding platform advertised. Producers must be appointed to submit business.([falconinsgroup.com](https://www.falconinsgroup.com/?utm_source=openai)) - Site emphasizes simple policy language, competitive pricing for drivers with less‑than‑perfect records, and use of technology for efficient service and claims. This suggests standard nonstandard‑auto workflows: comparative raters or proprietary portal, MVR/CLUE‑driven underwriting, and quick issuance once data is validated.([falconinsgroup.com](https://www.falconinsgroup.com/?utm_source=openai)) - No explicit binding authority rules, documentation checklists, or driver/vehicle eligibility grids are published. Expect typical nonstandard documentation requirements (valid license/ID where applicable, garaging address verification, prior insurance/accident history disclosures, and finance/paid‑in‑full options aligned with their flexible billing message).([falconinsgroup.com](https://www.falconinsgroup.com/?utm_source=openai)) BROKER / PRODUCER NOTES - Falcon markets itself as an entrepreneurial partner for independent agents and highlights a network of 2,900+ agents. Appointments are required; producers should use the "Become an agent" path on the main site or go through their GA/cluster for access.([falconinsgroup.com](https://www.falconinsgroup.com/?utm_source=openai)) - No public appetite card, underwriting bulletin, or producer manual is posted. For operational guidance (state availability, unacceptable drivers/vehicles, prior limit requirements, SR‑22 handling, etc.), rely on your Falcon underwriting contact, program guide, or portal reference materials rather than the consumer site. Because there is no formal, carrier‑published underwriting guide accessible on the open web for Falcon Insurance Company (TALON Financial Group) at this time, treat the above as a directional summary and defer to any proprietary manuals or state‑specific filings you have from the carrier or your wholesaler.