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
Publicly-available FMI materials are consumer-facing and do not publish a formal underwriting or appetite guide. Detailed class eligibility, preferred/declined classes, and binding rules appear to be held behind the Agent Login portal and are not accessible without credentials. Preferred / target business (inferred from product descriptions) - Homeowners, condo, renters, and landlord policies for standard personal residential risks in New Jersey and Pennsylvania, written via independent agents. Product pages emphasize typical owner-occupied homes, condos, apartments, and small landlord exposures, suggesting a focus on standard to moderately complex personal property rather than specialty or high-hazard property. - Small-to-mid-sized “Main Street” businesses eligible for a Business Owner Policy (BOP), including typical mercantile, office, and small service businesses, as implied by the Business Owner product description. These are likely accounts with modest property values and standard liability hazards placed through local independent agents. - Workers Compensation for businesses already placed with FMI/POM for property and liability, with emphasis on maintaining a safe workplace. Product copy stresses employee safety and WC as part of a broader business package. - Religious institutions (churches, synagogues, temples, and similar houses of worship) where FMI offers a dedicated Religious Institution product, indicating a targeted appetite for these schedules. Restricted or declined classes (inferred – must confirm with underwriter) - No explicit public list of restricted or declined classes. Given the small‑to‑mid‑size BOP positioning, you should assume heavy manufacturing, high-hazard contractors, large habitational schedules, and other non‑Main‑Street classes require underwriting approval or separate markets. - For Workers Compensation, high-hazard class codes (e.g., heavy construction, manufacturing with elevated loss potential, or risks with poor loss experience) are likely restricted or declined, but this is not documented publicly; treat as refer to underwriter. - Personal lines: coastal/cat‑exposed property, prior losses, and non‑standard risks may be limited or surcharged based on internal rules that are not published. Treat any non‑standard or high‑value home as “refer” until confirmed with your FMI underwriter. Geographic notes - Website and corporate address confirm FMI is domiciled in New Jersey, with policies written in NJ and, via affiliate POM Insurance Company, in Pennsylvania. The Business Insurance landing page is branded as “NJ Business Insurance,” and the login text notes FMI and Franklin Mutual Insurance Company serve NJ policies while POM serves PA policies. Expect appetite to be limited primarily to NJ and PA; other states should be assumed out of appetite unless specifically confirmed. Submission / workflow expectations (from public site structure) - Business and personal lines are distributed exclusively through local independent agents; there is no direct-to-consumer quoting. New business should be submitted through appointed agencies using the secure AgentCentral portal. - Public pages instruct prospects to contact a “professional, local independent agent” to tailor coverage, implying that appetite, pricing, and coverage terms are managed through agency submissions and underwriter review rather than open-broker submissions. - No open guidelines for what can be bound vs. must be referred; treat all unusual classes, large limits, or non-standard exposures as refer/clear with underwriter. Broker / producer notes - Access to detailed underwriting rules, class eligibility, and appetite tools appears to require Agent Login. Agents should log into AgentCentral for specific manuals, appetite charts, and binding authorities. - For non-appointed producers, business will need to be routed through an appointed FMI agency; there is no indication of open-broker or wholesaler submission paths. Operationally, treat FMI as a regional, NJ/PA-focused carrier writing standard personal home and small-to-mid-size business accounts (including WC and religious institutions) via appointed independent agents, with all detailed appetite, restricted classes, and binding authority to be confirmed directly with an FMI underwriter or through portal guidelines.