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
Carrier overview & geography - Regional mutual carrier writing personal and commercial P&C business, plus surety, primarily in the Midwest and surrounding states. Commercial lines (including packages and workers comp) are a core focus with strong agency-distribution model.([fmins.hardover.com](https://fmins.hardover.com/2023-annual-report/files/basic-html/page2.html?utm_source=openai)) Commercial Package Policy (CPP) - Target business: Mid‑to‑large accounts needing combined property and general liability with optional enhancements. Named target industries include: manufacturers, contractors, offices and professional services, wholesalers/distributors, real estate risks, retail stores, service industries, and small businesses.([fmins.com](https://www.fmins.com/business/commercial-package-policy/?utm_source=openai)) - Appetite: Standard/main street to moderate‑complexity accounts in listed industries. Favors risks that can bundle property, GL and supporting coverages (equipment breakdown, crime, inland marine, cyber, EPLI, professional liability).([fmins.com](https://www.fmins.com/business/commercial-package-policy/?utm_source=openai)) - Restricted/declined (inferred): Highly cat‑exposed property (coastal wind, flood, EQ), heavy‑hazard manufacturing, or very large/complex schedules typically require underwriting referral and may be directed to specialty markets. Use conservative expectations for frame habitational over 3 stories, unprotected frame, large CAT aggregates, or accounts with poor loss history; expect additional underwriting questions or possible decline. - Submission expectations: Submit through appointed independent agent. Provide full ACORD apps, detailed property schedules, GL exposure basis, loss runs, and any supplemental industry apps (contractor, manufacturer, real estate, etc.). For larger schedules, expect underwriter questions on protection class, construction, age/updates, and risk control practices. Underwriting will tailor endorsements and limits to specific industry needs.([fmins.com](https://www.fmins.com/business/commercial-package-policy/?utm_source=openai)) - Broker/producer notes: CPP is positioned as a customizable cornerstone product; producers are expected to package related lines (auto, umbrella, workers comp, inland marine, cyber) to improve pricing and retention. Workers Compensation - Workers comp is a core commercial line but detailed public appetite grids are not posted. Annual workers compensation audit guide stresses proper classification of payroll (e.g., clerical employees must not be exposed to operative hazards) and accurate record keeping, indicating conservative class-code discipline.([fmins.com](https://www.fmins.com/wp-content/uploads/2024/05/fi-2024-audit-guide.pdf?utm_source=openai)) - Appetite (inferred): Aligns with CPP target classes—light to moderate manufacturing, contractors with managed safety programs, professional/office, retail, and service businesses. Preference for accounts with established operations, proactive safety culture, and clean or improving loss history. - Restricted/declined (inferred): Expect avoidance or heavy scrutiny of very high‑hazard classes (logging, mining, heavy industrial, residential roofing, bars/taverns with late‑night operations, home health care with extensive travel, etc.) consistent with standard regional carrier practice. Accounts with frequent/litigious comp claims, poor mod, or weak safety programs will need strong underwriting justification or are likely to be declined. - Submission expectations: Submit through appointed agents with detailed class codes, payroll by state, 3–5 years of currently valued loss runs, description of operations, safety programs, use of subcontractors, and return‑to‑work practices. Audit processes are emphasized; advise insureds that audits will verify payroll allocations and may adjust premium.([fmins.com](https://www.fmins.com/wp-content/uploads/2024/05/fi-2024-audit-guide.pdf?utm_source=openai)) Personal Homeowners - Product: Standard homeowners policies for owner‑occupied dwellings; offered in the personal lines footprint. Public web content focuses on consumer coverage explanation rather than appetite, but HO is a significant book of business.([nerdwallet.com](https://www.nerdwallet.com/insurance/homeowners/frankenmuth-home-insurance-review?utm_source=openai)) - Appetite (inferred): Preferred and standard owner‑occupied homes with good maintenance in non‑catastrophe‑prone areas; likely favors newer or updated roofs and systems and insureds with good loss history and supportive account rounding (auto, umbrella, watercraft). - Restricted/declined (inferred): Older homes with no updates, prior fire or liability losses, or exposures in high‑cat or high‑crime areas may be written only with conditions (higher deductibles, coverage limitations) or declined. Expect underwriting focus on roofs, wiring, plumbing, heating, and distance to fire protection. - Submission expectations: Agents should provide construction type, age and update details, distance to fire hydrant/station, and any special exposures (pools, trampolines, wood stoves, home‑based businesses). Inspections and photographs may be ordered at binding or renewal. Boat / Watercraft (small watercraft on HO) - Product: Watercraft coverage is offered to personal lines customers as an add‑on to a Frankenmuth homeowners policy in eligible states. Coverage applies to privately‑owned boats and sports vehicles (no commercial or business use). All watercraft are subject to underwriting review and approval.([fmins.com](https://www.fmins.com/recreational-vehicles/watercraft/?utm_source=openai)) - Geographic appetite: Currently offered to residents of Michigan and Ohio. Watercraft is written in conjunction with an existing Frankenmuth homeowners policy rather than stand‑alone.([fmins.com](https://www.fmins.com/recreational-vehicles/watercraft/?utm_source=openai)) - Eligible/target watercraft: - Jet boats up to 23 feet - Personal watercraft up to 13 feet - Houseboats powered by outboard or inboard/outboard motors - Pontoon boats - Sailboats up to 26 feet - Inboard, inboard/outboard, and outboard boats - Outboard motors, boat trailers, and limited equipment.([fmins.com](https://www.fmins.com/recreational-vehicles/watercraft/?utm_source=openai)) - Appetite: Privately‑owned, pleasure‑use craft, typically standard performance boats used for recreation. Best fit is for existing HO customers seeking packaged coverage, modest speeds, and standard hull types and lengths. - Restricted/declined (inferred from typical standard‑market guidelines): - Commercial/charter use, rentals, or business‑use vessels. - High‑performance or racing craft; extreme‑speed boats. - Very old hulls without recent surveys, unusual construction (e.g., homemade/kit, exotic materials), or salvage vessels. - Watercraft kept in high‑theft or high‑cat coastal marinas or with inadequate storage/securement. - Submission expectations: All boats subject to underwriting review; expect requirement for full vessel details (year, make, model, length, hull type, engine type/HP, primary waters, storage, prior losses, operator experience). Larger or older boats may require marine surveys prior to binding; final terms may depend on survey results and owner experience.([fmins.com](https://www.fmins.com/recreational-vehicles/watercraft/?utm_source=openai)) - Broker/producer notes: Coverage is positioned as a convenient extension of the HO policy for Michigan and Ohio residents. Agents should lead with account rounding—placing home plus boat/sports vehicle—and be prepared to discuss claims/loss experience and operator qualifications to facilitate underwriter approval. General producer notes - Frankenmuth distributes exclusively through local, independent agents; all submissions must come via appointed producers. The company emphasizes tailored solutions and strong claim service; underwriters will expect agents to perform a first‑pass screening for fit with target industries and risk profiles. - For non‑standard or borderline classes (any line), producers should anticipate the need for narrative descriptions of operations, safety controls, and prior loss remediation steps and should avoid binding without explicit underwriter approval where exposure appears outside the core appetites above.