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 product-marketing oriented rather than a formal appetite guide. Franklin Mutual writes business primarily through independent agents and presents itself as a New Jersey-focused carrier for residents and business owners. Publicly published core offerings on the verified site are Home, Business Owner, Workers Compensation, and Religious Institution; I did not find a verified public underwriting/appetite page specifically for Commercial Umbrella, so umbrella availability should be treated as unconfirmed from public materials. Home appetite shown publicly includes homeowner, condo owner, renter, and landlord. Homeowner messaging emphasizes owner-occupied personal lines with optional enhancements such as personal excess liability, home business, equipment breakdown, identity theft, and water backup; landlord is specifically described for one- to four-family tenant-occupied rental property, which is a useful public boundary for habitational rental appetite. Commercial/BOP messaging targets small-to-mid-size businesses and lists example preferred segments including main street retail/service, building owner/lessor risks, office professionals, food service, and nonprofits. Religious institution business is an explicit specialty class, with churches, synagogues, temples, and other religious organizations highlighted. Workers compensation is offered, but no public class list, hazard restrictions, or underwriting thresholds were posted on the verified site. No formal public decline list, restricted classes, coastal/geographic prohibitions, construction age limits, protection-class rules, umbrella attachment rules, or workers comp class-code appetite guide was found on the verified website, so those items should be confirmed directly with the carrier/agent portal before quoting. Geographic notes: Franklin Mutual states products are sold exclusively through independent agents and public materials emphasize New Jersey; carrier company information indicates Franklin Mutual Insurance Company and FMI Insurance Company serve New Jersey policies, while POM Insurance Company serves Pennsylvania policies, so placement may depend on entity and state. Submission/broker notes: access is agent-mediated only; the public site directs prospects to locate an independent agent. Verified agent resources show a secure Agent Central/ART workflow where some business can be issued directly, but submissions requiring underwriting review are routed with a “Submit for Approval” step. The agent platform also supports attachments and indicates cancellation requests can be sent with supporting documents through the carrier’s attachment workflow/email listener. Operationally, use independent-agent submission, expect underwriting referral when the platform does not allow straight-through issue, and do not rely on the public website for detailed class declines or umbrella appetite.