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
Frederick Mutual’s current published guidance centers on small commercial business, not personal lines. The official 2024 Agent Guide shows a six-jurisdiction commercial footprint: Maryland, Delaware, Pennsylvania, Virginia, North Carolina, and the District of Columbia. Core appetite is Frederick Mutual Secure BOP for small commercial risks, with class-specific appetite guides for Artisan Contractors, Office/Office Buildings/LRO, Retail, Processing & Service, Apartments, and Wholesale & Distributors; the guide also lists companion products including Commercial Umbrella, Commercial Auto, Equipment Breakdown, Contractors E&O, CyberSuite, Commercial Inland Flood, Miscellaneous Professional Liability, and automatic Business Risk Protection on SBOP policies. Commercial Umbrella remains an active product with a published $500 minimum premium. Home should be treated as exited business for Frederick Mutual itself: the company states that effective January 1, 2024 it exited personal lines in all states, specifically homeowners, dwelling fire, and personal umbrella, and continues to offer commercial lines only across its territory. For legacy personal-lines runoff, policyholders are non-renewed with explanatory letters about 60 days before expiration and non-renewal notices at least 45 days before expiration; agency principals receive weekly non-renewal lists, and additional staff can be added by contacting underwriting/agency contacts through the posted email on the exit page. Published preferred business is therefore small commercial BOP-oriented risks that fit the listed class guides, especially artisan contractors, office/LRO, retail, service/processing, apartment, and distributor/wholesaler accounts. Examples of specifically listed eligible classes include electricians, drywall installers, floor covering installers, insurance agents, interior decorators, credit reporting agencies, bookstores, clothing stores, barber shops, beauty salons, photographers, laundromats, funeral homes, title agents, veterinarians, and numerous distributor classes. Restricted or declined classes are not presented in a distinct decline list on the public guide, so absence from the class schedules should be treated cautiously and referred to underwriting; the clearest current restriction is that new Frederick Mutual personal lines/home business is no longer within appetite. Producer/broker operational notes: the public agent platform directs agents to BriteCore for policy management, a dedicated commercial auto quote request link for commercial auto submissions, an agent appointment request link, BriteApps for most FNOL except legacy HO/DF/commercial auto, and a document request form for dec pages, loss runs, claim information, and commission statements. Submission/servicing notes in the guide include online agent quoting, communication, and document management through BriteCore; commercial payment plans of annual, 2-pay, 4-pay, and 6-pay; minimum premiums of $500 for BOP and Commercial Umbrella and $500 for Commercial Auto in MD and PA; installment fees of $5 per installment in most states and $3 in NC; and an available $10 e-policy discount for insureds who register online. Contractor payroll notes are unusually specific: owner/officer payroll defaults vary by state, effective April 1, 2024, with roofers at $40,000 for all ownership classes. Overall broker takeaway: place Frederick Mutual for small commercial package business in its defined classes across MD/DE/PA/VA/NC/DC, use Commercial Umbrella as a companion line where supported, and do not submit new Frederick Mutual home/personal lines business because the carrier has formally exited that segment.