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 is a super‑regional carrier writing business, home, auto and related coverages through appointed independent agencies across a 15‑state footprint. Appetite and underwriting direction on the public site is high‑level and marketing‑oriented; detailed class underwriting guides remain inside the agent portal. The following reflects what can be operationally inferred from their current product pages. Preferred business - Commercial Package Policy (CPP) is positioned for mid‑ to large‑sized businesses that need combined property and GL, with optional lines added. Target industries explicitly called out as "premier" package business: manufacturers, contractors, offices/professional services, wholesalers and distributors, real estate, retail stores, and service industries, plus small businesses that grow into more complex needs. CPP is described as tailored protection for these segments, indicating core appetite and likely pricing/coverage advantages in these verticals. ([fmins.com](https://www.fmins.com/business/commercial-package-policy/)) - Workers Compensation is actively marketed as a core line with safety services support and multi‑state capabilities. Examples used in marketing copy (auto repair shop, restaurant, distribution, manufacturing, office workers) imply standard appetite for main‑street and light/mid‑hazard classes within those industries, especially when combined with other Frankenmuth lines and loss‑control engagement. ([fmins.com](https://www.fmins.com/business/workers-compensation/)) - CPP standard features emphasize buildings/contents, property of others, premises liability, products/completed operations, and defense; optional coverages include equipment breakdown, crime, inland marine, cyber, EPLI, professional liability, employee benefits liability and workers comp, signaling a preference for accounts that can be rounded out into multi‑line relationships. ([fmins.com](https://www.fmins.com/business/commercial-package-policy/)) - Surety is offered separately via Frankenmuth Surety in 47 states, indicating interest in contractors and other bond‑dependent professional and commercial accounts when written as combined P&C and surety relationships. ([fmins.com](https://www.fmins.com/business/commercial-package-policy/)) Restricted or likely declined classes (inferred) - No explicit public "do not write" list is provided. However, based on the industries they highlight, public marketing suggests limited appetite for very high‑hazard or highly specialized risks outside core verticals (e.g., heavy industrial/chemical manufacturing, high‑hazard contracting such as large structural steel, roofing on high‑rise, demolition, large habitational with poor protection, or distressed workers comp). These would require underwriter referral and full submission. - Cat‑exposed property (coastal wind, convective storm concentrations) and higher‑hazard liability classes are not referenced on marketing pages and should be assumed controlled‑appetite, with pricing, deductibles, and terms managed by the underwriter. - Professional/specialty E&O, D&O and similar exposures are indicated as available but not emphasized as stand‑alone; they are more likely to be add‑ons to otherwise desirable package accounts. Geographic notes - Frankenmuth describes itself as a "super‑regional" carrier working through independent agents across multiple states, with a published footprint of about 15 states in recent corporate/third‑party descriptions. ([prospeo.io](https://prospeo.io/c/frankenmuth-insurance?utm_source=openai)) Territory and state‑specific workers comp and property appetites are controlled inside the agent portal. - Workers compensation copy notes "coverage in other states," confirming ability to cover incidental multi‑state exposures for eligible accounts, subject to each state's rules and filings. ([fmins.com](https://www.fmins.com/business/workers-compensation/)) Submission and underwriting process expectations - All business is written through local independent agents; the public call‑to‑action for each product is "Find an Agent" or "How to Get a Quote," with no direct‑to‑consumer or open‑broker submission channel. Producers need to be appointed and use the agent portal (agents.fmins.com) for rating, submissions and forms. ([fmins.com](https://www.fmins.com/business/commercial-package-policy/)) - For workers comp, policyholders are directed to use a dedicated Injury Triage Hotline for non‑life‑threatening injuries. This automatically creates a First Report of Injury, which implies Frankenmuth expects prompt incident reporting and will lean on this process as part of its loss‑control and claims‑handling workflow. ([fmins.com](https://www.fmins.com/business/workers-compensation/)) - Safety services are promoted as part of their workers comp value proposition, indicating that underwriters may favor accounts willing to engage in safety consultations, adopt recommendations, and provide required loss information (loss runs, OSHA logs, safety programs) at submission and renewal. ([fmins.com](https://www.fmins.com/business/workers-compensation/)) Personal lines / recreational (home and watercraft) - Homeowners, dwelling under construction, manufactured home, rental property, and related home products are listed as core offerings, but there is no public appetite grid. Expect preference for well‑maintained, owner‑occupied or standard landlord risks within their territory, written through appointed agencies, with underwriting details (age of home, updates, protection class, prior losses) controlled via internal guides. - Boat and sport vehicle, yacht, and other recreational vehicle products are marketed as standard personal‑lines offerings, likely targeting individually owned pleasure craft and recreational vehicles for personal use, not heavy commercial charter or commercial marine exposures. Broker / producer notes - Frankenmuth works "exclusively" with independent agencies; agents must be appointed and access the agency portal for detailed appetite, rating and underwriting guidance. ([prospeo.io](https://prospeo.io/c/frankenmuth-insurance?utm_source=openai)) - From a workflow standpoint, producers should: (1) route all submissions and quotes through the agency portal or comparative raters integrated with Frankenmuth; (2) expect appetite details and underwriting bulletins to be published inside agents.fmins.com rather than on the public site; and (3) utilize Frankenmuth safety services and workers comp triage tools as selling points with target accounts. Because Frankenmuth’s public website is primarily marketing‑oriented, specific class includes/excludes, size minimums, and mod or loss‑ratio thresholds must be confirmed in the agent portal or directly with the underwriter for each line and state.