Frankenmuth 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
Frankenmuth Insurance’s publicly available commercial underwriting guidance is product- and industry-oriented rather than a formal appetite guide. For Commercial Package Policy, the carrier positions the product for mid-size to large businesses and highlights preferred industries including manufacturers, contractors/construction, offices and professional services, wholesalers and distributors, real estate, retail stores, service industries, and small businesses. Its broader business insurance pages repeat these same industry specializations and distinguish BOP for small businesses versus CPP for mid-size and large accounts. Public pages emphasize customizable packaging of property, general liability, and enhanced coverages, with optional add-ons such as equipment breakdown, commercial crime, inland marine, cyber/information protection, EPLI, professional liability, employee benefits liability, and workers compensation. Workers compensation materials indicate appetite across varied employer types including auto repair, restaurants, distribution, office operations, and manufacturing, and note features such as employers liability, wage replacement, medical benefits, other-states coverage, and a 24/7 injury triage hotline. No explicit public decline list, prohibited classes, or restricted operations schedule was found on verified official pages; any class restrictions likely sit behind agent-facing systems or are handled through agency underwriting review. Geographic notes: Frankenmuth states it operates in 15 states in the Midwest, Northeast, and Southeast, and surety is available in 47 states; public consumer-facing pages do not provide a full admitted-state list on the verified underwriting pages reviewed. Submission and servicing are agent-driven: business is written through local independent agents, and commercial prospects are directed to Find an Agent / How to Get a Quote rather than direct online submission. For auditable commercial policies, Frankenmuth publishes operational requirements that annual audits may apply to workers compensation, general liability, and commercial auto; audits may be physical, virtual, telephone, or mail/online, and insureds may need to provide payroll, sales, and subcontractor cost records. The audit guide also states agents are expected to explain the audit process and attach form FM-626 advising that premium is subject to audit adjustment. Producer/broker notes: Frankenmuth emphasizes independent agency distribution, provides iBIS Agency Services for appointed agencies, and for prospective agency appointments states it carefully selects partners and expects 5+ years in business, financial stability, positive three-year growth, a written business/marketing/perpetuation plan, a three-year premium commitment, and a five-year historical loss ratio of 60% or better with explanation of anomalies. Overall, the public-facing appetite appears strongest for standard, main-street to mid-market commercial risks in its named verticals, submitted through appointed independent agents, with no verified public evidence of appetite for distressed, highly hazardous, or specialty-excess classes.