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
Verified current official guidance is centered on Frederick Mutual’s Agent Guide 2024 plus product pages. The carrier has exited personal lines effective January 1, 2024, including homeowners, dwelling fire, and personal umbrella in all states, so Home is no longer an active appetite and should be treated as non-renew / not-for-new-business. Frederick Mutual continues to focus on commercial lines across Maryland, Delaware, Pennsylvania, Virginia, North Carolina, and the District of Columbia. Core appetite is small-to-mid-size commercial package business written on its Secure BOP platform, with companion Commercial Umbrella and Commercial Auto. Preferred business includes: artisan contractors up to $1,000,000 payroll, generally 3+ years in business or acceptable related prior experience, and up to 25% subcontracted receipts; office buildings and office/lessors risk up to 100,000 square feet and 6 stories with major systems updated within the last 25 years; processing/service risks up to 35,000 square feet, $10,000,000 sales per location, and up to 25% off-premises sales; apartments up to $5,000,000 per building, 6 stories, $15,000,000 TIV, and 15 locations per policy; and wholesale/distributor risks up to 35,000 square feet, $10,000,000 sales per location, with major system updates within the last 25 years. The published appetite guide shows many eligible class codes rather than a short restricted list; notable underwriting boundaries shown publicly include contractor payroll caps, subcontracting cap, office/apartment story and valuation limits, distributor size/sales limits, and requirement for reasonably updated building systems. Roofing contractors use a higher owner/officer payroll figure of $40,000; other owner/officer payroll assumptions vary by state and were updated effective April 1, 2024. Publicly visible class examples include artisan trades such as HVAC, plumbing, electrical, carpentry, landscaping, painters, tilers, and office/professional occupancies such as insurance agents, interior decorators, lawyers with required form attachment, medical offices, payroll accounting, and real estate agents. Retail and wholesale appetite pages/public guide also show numerous mercantile and distributor class options. Commercial Umbrella is marketed as a companion to Frederick Mutual Secure BOP rather than a stand-alone lead product. Submission / producer workflow notes: Frederick highlights simple online agent quoting, communication, and document management through BriteCore, DocuSign availability to all agents, and IVANS commercial lines download. Public-facing product pages route submissions through Request Quote / agent channels rather than providing a separate open broker appetite portal. Additional broker/agency operational notes include commercial minimum premiums of $500 for BOP and Commercial Umbrella in all operating states, and $500 for Commercial Auto in MD and PA; annual, 2-pay, 4-pay, and 6-pay options are published with eligibility thresholds, installment fees, and online payment options. Frederick also states Business Risk Protection is automatically attached at inception of each SBOP policy, which can be relevant for small business accounts. Overall practical take: for refresh purposes, remove Home from active appetite, treat Frederick Mutual as a regional commercial-lines market for standard small business BOP-centered accounts, and position Commercial Umbrella mainly as supporting business already fitting its Secure BOP appetite.