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’s published small business appetite is for light, local commercial auto risks where the vehicle is a tool of the business rather than the core business operation. Preferred classes shown include artisan contractors and trades, auto services, consulting, and similar local-service businesses. Examples highlighted on the site include HVAC, electricians, real estate, landscaping, drywall, and food trucks. Eligible vehicles are generally commercial vehicles under 26,000 lbs., including pickups, vans, SUVs, box trucks, and some smaller dump trucks when not for hire; coverage features and limits vary by state, with UM/UIM shown up to $1,000,000 CSL. Restricted/undesirable business classes shown on the small business page include pilot/escort vehicles, driving schools, fast food delivery, garage and auto dealers, recreational vehicles, home movers, and junk hauling/garbage waste removal. Prohibited vehicle/exposure types shown include heavy vehicles over 26,000 lbs., tractor-trailer exposures, trailer-only policies, mobile equipment, tow truck/roll-off, and risks subject to USDOT/FMCSA regulation. Submission guidance: accounts with 9 or fewer qualifying vehicles should be submitted through the FIRE agent portal and portal submissions receive priority over emailed small-account submissions; agencies may also email submissions@forgeinsurance.com. Accounts with 10+ vehicles are referred for individual underwriting; Forge indicates fleets can be uploaded in FIRE or sent directly to underwriting, and complete fleet submissions may take up to about a week or longer if incomplete. Required/expected submission items for direct underwriting include ACORD 125/127/137 or similar business and coverage details including prior insurance history, complete driver list with DOB, license number/state and known violations/accidents, complete vehicle schedule with VIN/year/make/model/value, and Excel driver/vehicle lists are requested for fleets to speed quoting. MVRs are not required for small business accounts but are welcomed if available. Loss history is not required for accounts with fewer than 10 vehicles, though clean loss history may support additional credits; Forge notes 3+ years standard / 5 years preferred loss history if available. New ventures may require a narrative on business history and business plan. Forge states valid prior insurance is generally at least 2 years continuous commercial auto coverage, though prior personal auto may be acceptable for established ventures. Broker/producer notes: Forge’s site emphasizes quoting through the FIRE portal; on new business, the first Forge producer with a complete submission in the portal or submissions inbox is treated as broker of record for quoting purposes, quotes not bound within 30 days may be resubmitted by a new producer, and Forge says it does not process mid-term BOR changes. Geography: Forge states it writes in selected states and directs agents to its state availability page; examples on the small business page show business written in states including Minnesota, Virginia, Ohio, Maryland, Wisconsin, and Kansas, but exact eligibility should be confirmed by state because vehicle/coverage availability varies.