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 / Freedom National operates as a non‑standard personal auto writer accessed through appointed producers. Public-facing materials emphasize producer appointment requirements and process more than detailed class-by-class underwriting rules. Preferred / target business - Personal auto written through appointed independent agencies; products and specifics vary by state. Each state has its own "program features" and instructions referenced from the producer pages. - Agencies with demonstrated P&C personal lines focus and stable operations: valid P&C license with personal lines authority and active company license in good standing with the state DOI are required before appointment.([freedomgeneral.com](https://freedomgeneral.com/become-a-producer?utm_source=openai)) - Agencies able to provide production and performance history: written premium and loss ratio reports for at least three carriers for current and prior calendar year (waived only for brand‑new agencies with no active appointments).([freedomgeneral.com](https://freedomgeneral.com/become-a-producer?utm_source=openai)) - Agencies willing to support Freedom’s workflow and systems (agency management download details requested, individual logins for staff preferred).([freedomgeneral.com](https://freedomgeneral.com/become-a-producer?utm_source=openai)) Restricted / declined - Producer level: applicants with “egregious background or historical items” will be declined; Freedom conducts a general background check that includes criminal record, Social Security verification, and credit history and reserves the right to refuse appointment based on results.([freedomgeneral.com](https://freedomgeneral.com/become-a-producer?utm_source=openai)) - Producer level: agents who have “recently applied for an appointment” with Freedom are ineligible to re‑apply immediately.([freedomgeneral.com](https://freedomgeneral.com/become-a-producer?utm_source=openai)) - No explicit public list of unacceptable auto driver/vehicle classes is provided on the producer pages; assume detailed eligibility, surcharge, and tier rules are embedded in internal rating/underwriting manuals and state‑specific program guides accessible only after appointment. Geographic notes - Producer appointment is currently open and explicitly advertised for Utah; producers start the process by selecting the state where their company is headquartered.([freedomgeneral.com](https://freedomgeneral.com/become-a-producer?utm_source=openai)) - Separate state‑specific overview pages (example shown for California) outline that each state has different product "program features" and that eligibility, coverage options, and workflow vary by jurisdiction.([freedomgeneral.com](https://freedomgeneral.com/california-overview?utm_source=openai)) - The California example confirms a structured onboarding and compliance process (application, background check, physical visit) before producers may bind or write new business in that state.([freedomgeneral.com](https://freedomgeneral.com/california-overview?utm_source=openai)) Submission / appointment requirements (producer level) - Pre‑application: producers are directed to review requirements, documentation, and state‑specific instructions before starting the online application to avoid processing delays.([freedomgeneral.com](https://freedomgeneral.com/become-a-producer?utm_source=openai)) - Minimum requirements: - Valid P&C insurance license with personal lines authority. - Current E&O with at least $1,000,000 limits; proof required (dec page with limits, policy number, carrier, expiration date).([freedomgeneral.com](https://freedomgeneral.com/become-a-producer?utm_source=openai)) - Clean enough background (no egregious items); consent to a background check is mandatory and handled via follow‑up email once the application passes initial review.([freedomgeneral.com](https://freedomgeneral.com/become-a-producer?utm_source=openai)) - Applicant has not applied for appointment with Freedom recently. - Information to have ready when applying: copy of current company/agency license; voided checks for trust, operating, and any additional deposit accounts used for commission payments (separate files per location/account); E&O dec page; written premium and loss ratio reports for three carriers (unless newly formed agency with no book); company Tax ID (EIN or SSN tied to legal entity); company email addresses for employees to create individual website logins; agency management system name/version, account numbers, configuration, and contact person.([freedomgeneral.com](https://freedomgeneral.com/become-a-producer?utm_source=openai)) - Application review: marketing reviews and typically issues a decision within 1–2 business days and advises status by email. Approved applicants move to background check and on‑site visit.([freedomgeneral.com](https://freedomgeneral.com/california-overview?utm_source=openai)) - Background check: includes criminal record search, SSN verification, and credit history; satisfactory results are required to proceed.([freedomgeneral.com](https://freedomgeneral.com/california-overview?utm_source=openai)) - Physical visit: a local marketing representative schedules an in‑person visit to the agency’s main physical location. During this visit the owner signs the Freedom producer agreement. Following set‑up, producer receives a final email with access details and instructions to begin writing business.([freedomgeneral.com](https://freedomgeneral.com/california-overview?utm_source=openai)) Broker / producer operational notes - Producer‑facing service contacts: - Producer Service: service@FreedomProducer.com (for appointment/status and producer support).([freedomgeneral.com](https://freedomgeneral.com/become-a-producer?utm_source=openai)) - Customer Service: service@FreedomCustomer.com and phone support listed on program pages for policy‑level servicing.([freedomgeneral.com](https://freedomgeneral.com/become-a-producer?utm_source=openai)) - Only the agency owner or authorized representative should complete the online producer application; this is emphasized in the California producer overview and should be followed for other states as well.([freedomgeneral.com](https://freedomgeneral.com/california-overview?utm_source=openai)) - Producers should expect Freedom to treat itself as the ultimate underwriter for its programs, with on‑site marketing support and close monitoring of agency performance (production and loss ratio), based on the pre‑appointment documentation they request. Practical guidance for front‑line staff - Confirm that the agency meets baseline requirements (P&C license with personal lines, $1M+ E&O, acceptable background, not recently declined/withdrawn) before encouraging submission. - For new appointments, gather complete supporting documentation (licenses, E&O dec, premium/loss reports, bank info, Tax ID, AMS details) up front to avoid application delays. - When discussing appetite with producers, position Freedom as a non‑standard personal auto market with state‑specific program rules; advise that detailed eligibility (driver points, vehicle age, SR‑22, etc.) is controlled by rating/underwriting systems and not fully described in public materials. - For questions on eligibility or appointment status, route producers to service@FreedomProducer.com; for in‑force policy issues, use customer service contacts on the main site or program pages.