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
Falcon Insurance Company (Falcon Insurance Group) is positioned as a non‑standard/specialty private‑passenger auto carrier focused on simple, affordable auto insurance for drivers with less‑than‑perfect driving records. Their public site is consumer‑oriented and emphasizes value proposition rather than detailed producer underwriting rules. No official, carrier‑published underwriting or appetite guide is available online as of the latest review, and third‑party appetite indexes (e.g., Prudens AI) also indicate that no formal underwriting URL is currently provided for Falcon. Accordingly, detailed class‑by‑class or state‑by‑state rules, eligibility criteria, and submission workflows must be obtained directly from Falcon marketing/underwriting or via appointed MGA/program administrators. Operational guidance based on what is currently and reliably published: • Preferred/target business: Personal auto (private passenger) accounts needing non‑standard placement, including drivers with imperfect driving histories who still meet Falcon’s internal eligibility standards. Marketing language stresses competitive rates for less‑than‑perfect records, flexible payment options (monthly / 6‑month / annual), and use of independent agents, which aligns with a mainstream non‑standard auto appetite. • Restricted/declined classes: No official, carrier‑authored list of prohibited or restricted vehicle types, drivers, or usage classes is published on the public site, and no formal appetite bulletin is available. Agents must therefore treat all specific eligibility (e.g., serious violations, DUIs, SR‑22/FR‑filings, youthful operators, business use, rideshare/TNC, salvage titles, custom/modified vehicles, etc.) as carrier‑discretionary and confirm via Falcon’s underwriting or rate platform before binding. • Geographic notes: Falcon writes personal auto in selected U.S. states, but the public website and readily discoverable official materials do not list an authoritative state footprint or any specific territorial restrictions. State availability, urban vs. rural appetite, and any county/ZIP‑level restrictions need to be confirmed with Falcon’s marketing or underwriting team or through the rater. Do not assume nationwide availability. • Submission requirements: The public site is built around servicing and consumer features (find an agent, report a claim, make a payment) and does not publish explicit submission or documentation rules for producers (e.g., required documents, point‑of‑sale photo requirements, prior‑insurance proof, binding authority thresholds, e‑signature rules). Producers should follow the fields and document prompts in the comparative rater/portal and any internal producer memos issued at appointment. • Broker/producer instructions: Falcon distributes through a network of independent agents. The website includes a “Become an agent” call‑to‑action but does not disclose public‑facing underwriting authority levels or binding restrictions. Appointment, commission, and underwriting authority are handled off‑platform via Falcon’s agency relations. New or prospective agents should contact Falcon using the “Become an agent” workflow or agency support phone number for current underwriting guides, state availability, and any program‑specific rules. Actionable take‑away for producers: Treat Falcon as a non‑standard personal auto market with competitive pricing for sub‑standard risks but with no publicly posted, binding‑level underwriting manual. Before steering meaningful volume or unusual risks to Falcon, obtain the latest producer underwriting guide and state/program grid directly from Falcon or your MGA, and rely on their portal/rater prompts for eligibility and documentation rather than any external summaries.