Franklin Mutual Insurance Company
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
Verified public-facing guidance remains limited and marketing-oriented rather than a formal appetite guide. Franklin Mutual Insurance is distributed exclusively through local independent insurance agencies and publicly positions itself for New Jersey residents and business owners, with group materials indicating NJ policies are served by Franklin Mutual/FMI Insurance Company and PA policies by POM Insurance Company. For commercial business, the current official business-insurance page highlights three active focus areas: Business Owners Policy for small-to-mid-size businesses, Workers’ Compensation, and Religious Institution / House of Worship coverage. The BOP page emphasizes property, general liability, and business interruption protection for small-to-mid-size businesses, with customization through independent agents; no public class-by-class target list, minimum premiums, or declination list was found. Religious institution guidance is more specific: churches, synagogues, temples, and other religious organizations are directly targeted, with package features including replacement cost on buildings/contents, income/extra expense, general liability, doubled money-and-securities limits for religious holidays, stained glass, insured status for officers/trustees/directors/members, and optional equipment breakdown, cyber, athletic/day nursery excess medical, pastoral/lay counseling liability, and D&O. Workers’ compensation guidance is broad and general, focused on paying statutory medical, wage, and death benefits; no public hazard-class restrictions or underwriting thresholds were found. For personal lines, the verified home program remains an important line and appears aimed at NJ homeowners, condo/apartment insureds, and home-related exposures sold through select independent agents; the homeowner page highlights credits/preferences such as customer loyalty, newer homes under 12 years old, alarms, sprinklers, mature homeowners, and higher deductibles, plus optional home business, equipment breakdown, water backup, valuables, identity theft, and personal excess liability. Commercial Umbrella was provided as a known product line, but no current verified public underwriting/appetite page specific to umbrella was found on the official site. No explicit public restricted or declined classes were identified on verified official pages; treat appetite as conservative regional standard-market property/casualty with emphasis on smaller commercial accounts and religious institutions until agent-only underwriting guidance is obtained. Broker/producer notes: business is written through independent agents only; public contact forms state coverage cannot be bound or changed through the form. Agent-platform guidance found on the official site indicates required fields/attachments in the portal, cash-with-application handling via e-check/ACH when a physical check is received, and that some submissions route to underwriting approval rather than instant issue; when underwriter approval is needed, agents see 'Submit for Approval' instead of 'Issue New Business.' Overall operational takeaway: target New Jersey small-to-mid-size BOP risks, workers comp accounts, and houses of worship through appointed independent agents; use caution on any non-core or complex classes because no public appetite/declination guide was located, and obtain agent-only underwriting rules for binding decisions.