Forge Insurance
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
Forge writes admitted small business commercial auto for light, local risks where the vehicle is a tool of the business rather than the core revenue operation. Preferred profile: commercial autos under 26,000 lbs., especially pickups, vans, SUVs, box trucks, smaller non-for-hire dump trucks, private passenger autos, and trailers; local operations under 50 miles from garaging are preferred, 51-200 miles acceptable, and over 200 miles ineligible. Target classes shown on the carrier site include artisan contractors and trades, auto services, consulting, educational services, religious and civic organizations, business services, entertainment services, hospitality, professional services, repair and maintenance, retail stores, and real estate/property management. Limits shown include liability up to $1,000,000 CSL, comp/collision up to $125,000 stated value or OCN, and UM/UIM up to $1,000,000 CSL; Med Pay/PIP varies by state. Restricted/declined business highlighted by Forge includes for-hire trucking, towing/wrecking, farm and livestock hauling, last-mile delivery, NEMT, street/road paving, pilot/escort vehicles, driving schools, fast food delivery, garages/auto dealers, recreational vehicles, home movers, and junk hauling/garbage waste removal. Prohibited vehicle/exposure types include heavy vehicles over 26,000 lbs., tractor-trailer exposures, trailer-only policies, mobile equipment, and risks subject to USDOT/FMCSA regulation. Driver guidance published by Forge indicates Small Business drivers should generally be age 23-70; 16-22 and 70+ are referral ages on the product page, but the driver guideline sheet says Small Business operators must be at least 23. Drivers are ineligible with 3 total moving violations and/or at-fault accidents in 36 months, 2 at-fault accidents in 12 months, or serious offenses in the past 60 months such as reckless driving, DUI/DWI, felony conviction, leaving the scene, narcotics conviction, negligent homicide, or assault-related auto offenses. Geographic note: Forge states it currently operates in 18 states plus the District of Columbia; the website directs agents to the state footprint page for availability and contacts. Submission requirements: preferred channel is the FIRE agent portal for accounts with 9 or fewer vehicles; email submissions to submissions@forgeinsurance.com are allowed but portal submissions receive priority. Accounts with 10+ vehicles are individually underwritten, may be loaded in FIRE or sent to underwriting, and can take up to about a week if complete. A complete underwriting submission should include vehicle list with VIN/year/make/model/value, ACORD 125/127/137 or similar coverage/business details including prior insurance history, and a driver list with name, DOB, license number, issuing state, and known accidents/violations. Loss runs are not required for small business accounts under 10 vehicles, but clean loss history can support credits; new ventures may need a business narrative/history and plan. MVRs are not required for small business if not readily available, and Forge states it orders/pays for MVR and CLUE before binding with no agent chargeback. Broker/producer notes: Forge markets fast quoting through the FIRE portal, lists a current service standard of about same day/next-day for small business portal submissions depending on time of day, versus about 5 business days through the inbox, and asks prospective agencies to engage through its Become an Agent/state contact process.