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 Insurance is a small business commercial auto specialist focused on light vehicles with local operations for small business and public auto risks. Preferred business / target risks - "Light & Local" accounts: light vehicles (e.g., sedans, SUVs, pickups, small vans) with primarily local operations where the vehicle is a tool of the business rather than the core exposure. ([forgeinsurance.com](https://forgeinsurance.com/?utm_source=openai)) - Radius of operation: under 50 miles from garage location is preferred; 51–200 miles is generally acceptable; over 200 miles is not eligible for the small-business program. ([forgeinsurance.com](https://forgeinsurance.com/small-business?utm_source=openai)) - Small business commercial auto accounts, including many professional, trade, and service classes (e.g., artisan contractors, auto services, consultants and other small local operations using vehicles incidentally to the business). Appetite materials and NAICS targeting are referenced in the product guide. ([forgeinsurance.com](https://forgeinsurance.com/small-business?utm_source=openai)) - Private passenger autos and light trucks used in business, including trailers, when usage and radius fit small-business criteria. ([forgeinsurance.com](https://forgeinsurance.com/small-business?utm_source=openai)) Restricted or declined classes / key ineligibilities - Operations where the vehicle use is the core business (e.g., traditional long‑haul trucking or heavy delivery operations) are not within the stated small‑business appetite; the small‑business page explicitly favors vehicles used as tools in the overall operation rather than as the primary business. ([forgeinsurance.com](https://forgeinsurance.com/small-business?utm_source=openai)) - Radius over 200 miles from the garage location is not eligible for the small‑business auto segment. ([forgeinsurance.com](https://forgeinsurance.com/small-business?utm_source=openai)) - Certain vehicle symbol usages: preferred symbols are 7 (specifically described autos), 8 (hired autos only), and 9 (non‑owned only). Symbol 8 and 9 are not eligible for all classes, and any other symbol configuration is subject to individual underwriter review. ([forgeinsurance.com](https://forgeinsurance.com/small-business?utm_source=openai)) - Drivers outside standard age and MVR parameters must be referred to underwriting and may be restricted or declined depending on history. Driver and vehicle eligibility highlights - Driver age: 23–70 with an acceptable driving history fits standard guidelines. Drivers age 16–22 or over 70 require referral to an underwriter. ([forgeinsurance.com](https://forgeinsurance.com/small-business?utm_source=openai)) - Loss/violation history: fewer than 2 accidents in the last 12 months and fewer than 3 moving violations or at‑fault accidents in the last 36 months are expected for straightforward placement; additional issues trigger underwriting review. ([forgeinsurance.com](https://forgeinsurance.com/small-business?utm_source=openai)) - Forge orders and pays for MVRs and CLUE reports prior to binding; there are no MVR/CLUE chargebacks to agents. ([forgeinsurance.com](https://forgeinsurance.com/small-business?utm_source=openai)) - Liability limits generally available up to $2,000,000 combined single limit; comp/collision physical damage typically available up to $100,000 stated value or OCN per vehicle, with Med Pay and PIP options as allowed by state. ([forgeinsurance.com](https://forgeinsurance.com/small-business?utm_source=openai)) Geographic notes - Forge positions itself as a regional/specialty carrier for "local" operations; eligibility is tied to radius from the garage location rather than listing specific states on the small‑business appetite page. Agents should confirm current state availability and any territorial restrictions via the FIRE portal or underwriting, as state footprints and programs can change. ([forgeinsurance.com](https://forgeinsurance.com/?utm_source=openai)) Submission & workflow requirements - Preferred submission method for new business with 9 or fewer vehicles is through the Forge FIRE agent portal; these submissions receive priority handling over emailed submissions of similar size. ([forgeinsurance.com](https://forgeinsurance.com/hubfs/UW%20and%20Submissions%20Requirements.pdf?hsLang=en&utm_source=openai)) - Accounts with 9 or fewer vehicles may alternatively be emailed to underwriting at submissions@forgeinsurance.com, but will be de‑prioritized relative to FIRE portal submissions. - Fleet (10+ vehicles) accounts may be uploaded through FIRE for underwriting review or submitted as full new‑business packages directly to submissions@forgeinsurance.com. These are individually underwritten and may require up to a week for review of a complete submission, longer if information is missing or further underwriting dialogue is needed. ([forgeinsurance.com](https://forgeinsurance.com/hubfs/UW%20and%20Submissions%20Requirements.pdf?hsLang=en&utm_source=openai)) - Underwriters expect complete driver and vehicle schedules, preferably in Excel, along with standard commercial auto application details and loss information for fleet accounts. Contact the assigned underwriter for assistance with complex or fleet submissions. ([forgeinsurance.com](https://forgeinsurance.com/hubfs/UW%20and%20Submissions%20Requirements.pdf?hsLang=en&utm_source=openai)) Broker / producer instructions - Agents should use the FIRE agent portal as the default route for quoting and binding small accounts; this is described as the fastest and easiest route and receives service‑level prioritization. ([forgeinsurance.com](https://forgeinsurance.com/?utm_source=openai)) - For risks that do not clearly fall within "Light & Local" or where radius, driver profile, symbols, or class of business are outside standard guidelines, agents are directed (implicitly via multiple references to underwriter referral) to contact underwriting for clarification before binding. ([forgeinsurance.com](https://forgeinsurance.com/small-business?utm_source=openai)) - Product highlights, appetite detail, and targeted NAICS information are maintained in the small‑business product guide and resources area; producers should reference the most recent guide from the agent resources section when pre‑qualifying accounts. ([forgeinsurance.com](https://forgeinsurance.com/resources?utm_source=openai)) Operationally, agents should steer truly local light‑vehicle accounts where vehicles are incidental to the business into the FIRE portal, closely observe radius and driver/MVR rules, avoid long‑haul or heavy delivery risks in this program, and send fleets and borderline risks for underwriter review with full driver/vehicle schedules and loss data.