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 presents itself as a super-regional carrier distributing through local independent agents, with business insurance currently offered in 15 states: AL, GA, IL, IN, KY, ME, MI, NH, NC, OH, SC, TN, VT, VA, and WI. The verified commercial underwriting-facing page remains the Commercial Package Policy page, positioned for mid-size to large businesses rather than small accounts. Current preferred/target business segments called out across its business pages are manufacturers, contractors/construction, offices and professional services, wholesalers/distributors, real estate, retail stores, service industries, and small businesses; BOP is framed for small businesses while CPP is framed for mid-size and larger accounts. Frankenmuth highlights standard CPP protection for property, general liability, and products/services-related liability, with common add-on options including equipment breakdown, commercial crime, inland marine, cyber/data breach, EPLI, professional liability, employee benefits liability, workers compensation, commercial auto, hired/non-owned auto, and umbrella. Workers compensation is actively marketed and includes injury triage hotline access, employers liability, wage replacement, medical benefits, and other-states coverage. No formal public appetite guide, prohibited class list, or explicit decline list was verified on the official public site, so restricted/declined classes are not publicly published on the sources reviewed; operationally, submitters should treat appetite outside the named industry segments or outside the 15-state footprint as needing agent confirmation before quoting. Geographic notes: personal home/auto appears more limited than business, and yacht/watercraft is specifically marketed only in MI, OH, and WI; surety is handled through Frankenmuth Surety and noted as available in 47 states except AK, CA, and HI. Submission/producer notes: Frankenmuth instructs insureds to work through local independent agents rather than direct underwriting access; agent engagement is the primary quote path. For auditable commercial lines, Frankenmuth’s published audit guide says workers compensation, general liability, and/or commercial auto policies may require annual premium audits examining payroll, sales, and subcontracting costs, and states a service goal of completing audits within 90 days after policy expiration. Broker/producer takeaway: good fit for regional middle-market and small commercial business within its footprint, especially the named industry verticals, but there is no publicly verified standalone appetite or broker submission manual on the open site, so class-specific eligibility, hazards, and any declinations should be validated through appointed-agent channels or the secure agent portal.