Frederick 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
Operational focus: - Frederick Mutual has exited personal lines and is now focused on commercial lines only in the Mid‑Atlantic and Southern regions (MD, PA, VA, DE, DC, NC). Personal home/HO is no longer a target product line. Commercial umbrella – structure & availability: - Commercial Umbrella is written as an excess liability product to complement the Frederick Mutual Secure® Businessowners Policy (SBOP). - Umbrella coverage is marketed as adding additional security and liability protection over the underlying SBOP liability. - Product is distributed through independent agents; some access is via sub‑producer/aggregator agreements (e.g., IMS in certain states). Agents must follow carrier instructions, guidelines, policies, and procedures contained in the agency agreement. Preferred/target business (umbrella context): - Small commercial accounts already written on Frederick Mutual Secure® BOP, particularly in classes highlighted across marketing and risk‑management materials, such as: - Apartment buildings and small habitational/lessor’s risk exposures (including garden apartments and small multi‑families) where Frederick Mutual positions itself as experienced in apartment/landlord risk solutions. - Small artisan‑type contractors and trade contractors (e.g., electricians, HVAC, carpenters, plumbers, fence and carpet installers) that fit SBOP appetite and standard liability underwriting. - Small commercial and professional offices, light mercantile, and similar main‑street businesses consistent with SBOP appetite. - Accounts seeking coordinated packages where BRP (Business Risk Protection) documents and risk‑transfer tools are used to improve contract and indemnification quality. Restricted/declined (inferred from appetite positioning): - Personal‑lines‑only risks (homeowners, personal umbrella, personal auto) are not targeted; personal lines have been transitioned to other carriers. - Commercial umbrella is not marketed as a stand‑alone product: underlying property and liability should be with Frederick Mutual (Secure BOP) or with acceptable companion markets per current internal guidelines. - Heavy or high‑hazard operations, large fleets, or risks outside the small‑commercial space (e.g., large contractors, industrial/manufacturing with significant products exposures, high‑hazard habitational) may fall outside normal appetite and require specific underwriting review or are likely declined. Geographic notes: - Long‑standing regional mutual focused on commercial business in MD, PA, VA, DE, DC, and NC; umbrella is described as available in all states of operation. - Agents should confirm specific state availability and any state‑specific limitations or filings via current agent guide or underwriter. Submission & underwriting expectations (umbrella): - Umbrella is written over the Frederick Mutual Secure® BOP; submission should include: - A bound or quoted SBOP with complete liability limits and forms. - Confirmation of all underlying liability policies to be scheduled under the umbrella (e.g., BOP, commercial auto, workers’ comp employer’s liability if applicable) consistent with internal requirements. - For accounts written via aggregator programs (e.g., IMS), producers must first complete and e‑sign the sub‑producer agreement. That agreement incorporates carrier instructions, guidelines, policies, and procedures. New business submissions must follow the platform’s workflow and any stated documentation requirements. - For cyber, EPL, and other specialty endorsements attached to SBOP, producers are directed to contact their underwriter; most cyber quotes do not require a separate application. Similar practice is implied for umbrella—coordinate directly with the assigned underwriter for limit selection and any needed supplemental information. Broker/producer notes: - Distribution is exclusively through independent agents; Frederick Mutual positions itself as a regional company of choice for small commercial business and emphasizes partnership with local agencies. - Business Risk Protection (BRP) is automatically attached at onset of each SBOP policy and is promoted as a risk‑management value‑add. Producers should explain BRP to clients and use it to strengthen contract language and risk transfer, which can support favorable underwriting outcomes. - Agents working through IMS or other access platforms should rely on the most current Frederick Mutual agent guide and platform instructions for appetite, rating, and submission requirements; agency agreements govern authority, binding rules, and documentation standards. Practical takeaway for underwriters/agents: - Think of commercial umbrella as an add‑on for well‑underwritten Secure BOP small commercial risks in the Mid‑Atlantic/Southern footprint, not as a stand‑alone excess market. - Focus on clean, main‑street accounts and small property‑driven commercial risks (especially apartments and small contractors) where Frederick Mutual already writes the primary package. - Confirm territory and class fit via the current Agent Guide; coordinate closely with the assigned underwriter for any non‑standard operations, higher limits, or multi‑state exposures.