Freedom General Insurance Company / Freedom National
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
Freedom General Insurance Company / Freedom National writes primarily private passenger auto, marketed as low-cost/non-standard auto, in a limited state footprint (currently noted as Arizona, Utah, and Georgia from recruiting/job materials, with consumer-facing content emphasizing California and Utah). Its legal/DBA structure includes Freedom National Insurance Services, Inc. and Freedom General Insurance Services. Preferred/target business - Private passenger autos meeting state minimum liability requirements; focus is on price-sensitive and non-standard segments but they state they can accommodate a range of driving records. - Risks written via appointed independent producers who meet Freedom’s agency standards (personal-lines focused agencies with demonstrated auto premium volume and acceptable loss ratios). - Agencies using comparative raters and online workflows (e.g., TurboRater) and able to work within carrier’s built-in underwriting rules. Restricted/declined classes (inferred from positioning) - No evidence of writing commercial auto, specialty commercial, property or other P&C lines – treat those as out of appetite unless placed through another market. - No explicit appetite for motorcycles, RVs, or non–private-passenger vehicles; treat as out of scope unless specifically indicated by rating system. - Company positions itself as working with “most cars and drivers,” but is non‑standard; expect standard industry restrictions on uninsurable drivers (egregious violations, fraud indicators, significant undisclosed operators) and vehicles (salvage titles, heavily modified autos), though these are controlled via rater rules rather than a public appetite guide. Geographic notes - Active and recruiting producers in Utah; there is a Utah-specific producer overview and process, and the producer appointment flow currently only accepts Utah applications. Treat Utah as a key active producer state. - Consumer pages exist for California and Utah and marketing/recruiting content references Arizona and Georgia as states where Freedom National offers private passenger auto. Verify state availability and forms via comparative rater or carrier portal at time of quote since state programs differ. - Freedom is based in California (Irvine/Newport Beach addresses) and is registered there as Freedom General Insurance Services, license #0C73889. Producer/agency requirements and expectations - Appointment limited and selective: current online appointment portal indicates they are only accepting producer applications for Utah; other states likely managed via existing relationships. - Minimum requirements to be appointed: - Valid Property & Casualty license with Personal Lines authority in the home state. - Current E&O coverage with at least $1,000,000 limits. - Acceptable background and agency history; Freedom runs a background check including criminal, credit, and identity verification. - No recent prior unsuccessful appointment application with Freedom. - Documentation needed for appointment: - Copy of active agency/company license issued by the state DOI. - Voided checks for trust and operating accounts (and any additional deposit/commission accounts by location) for direct deposit and billing setup. - E&O declarations page showing carrier, limits, policy number, and expiration. - Written premium and loss ratio reports for three carriers on carrier letterhead, showing new business written premium for current and prior calendar year and current loss ratio (waived if the agency is new with no carrier appointments). - Agency tax ID (EIN or SSN) matching IRS records. - Agency email addresses for each employee needing a login; Freedom prefers unique logins per user. - If using an agency management system, details on system name, version, settings, account numbers, and a contact person for download setup. Submission and onboarding workflow - Only the agency owner or authorized representative should complete the online producer application. - Application review is performed by Marketing; typical turnaround 1–2 business days, with email notification of approval/denial. - Upon preliminary approval, Freedom requests consent to run a general background check. - A local marketing representative performs a physical visit to the main office before finalizing appointment and obtaining signatures on the producer agreement. - After the visit and agreement, a final setup email is sent with login credentials and operational instructions to begin writing new business; state-specific product and procedural details are provided per state. Broker/producer operational notes - Distribution is via appointed producers only; consumers may purchase online but binding and service are tied to the agent and Freedom’s portal/technology stack. - Underwriting rules and eligibility are embedded in comparative rater/portal workflows; producers should rely on the rater for eligibility rather than a public appetite PDF. - Service contacts: - Customer Service: 888-542-4222; email service@FreedomCustomer.com. - Producer Service: service@FreedomProducer.com. - Claims are reported directly to Freedom National, typically via the policyholder-facing channels listed on the website/portal. Practical guidance for front-line underwriting/placement - Treat Freedom National as a non-standard/standard private passenger auto market for price-sensitive risks in its active states (not a commercial or property market). - Expect state-by-state program variation; confirm availability, coverages, and discount structures within the rater or producer portal for each state (e.g., Utah vs. California vs. Arizona/Georgia). - Prior to submitting new business or requesting appointment, confirm that: - The risk is personal-use private passenger auto. - The producer holds required P&C personal lines authority and maintains $1M+ E&O. - Agency can provide loss runs/premium & loss ratio exhibits for three carriers if requested. - Use Freedom’s marketing/producer contacts for clarification on borderline risks, as public-facing guidelines emphasize process and appointment criteria rather than detailed class-level underwriting rules.