Freedom General Insurance Company / Freedom National
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
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Carrier appetite summary
Official producer-facing guidance located is for Personal Auto and is state-specific. Current public producer appointment page states Freedom National is currently accepting producer applications for Utah only, and requires a valid P&C license with Personal Lines authority, current E&O with minimum $1,000,000 limits, background review, and that the agency not have recently applied. Required submission/appointment materials include company license, voided trust and operating account checks, E&O dec page, written premium and loss ratio reports for 3 carriers unless a new agency, tax ID, employee email addresses for logins, and agency management system download details. California producer program materials remain publicly posted and describe a Personal Auto appetite under the Western General Classic program: aggressive pricing, state minimum limits of 15/30/5 and 25/50/10 for good drivers, acceptable drivers age 16 through 69, US out-of-state licenses acceptable, lowered/lifted and salvaged vehicles acceptable for liability only, and SR-22 available for California licenses only with verifiable driving record. Restricted/declined risks specifically called out include artisan/business use and international driver licenses or matricula consular. Additional operational notes: all registered owners must be included or excluded; excluded registered owners are acceptable; common-law relationships are rated as single; PPO repair option applies, with out-of-network repairs requiring 20% of repair cost plus deductible; deductibles listed are $500, $600, $750, $1,000, $1,100, and $1,500; billing options include semi-annual, 4-pay, 5-pay, and EFT with billing fees; endorsements are processed online in real time; and Freedom states applications, endorsements, payments, renewals, and rewrites are processed within 24 hours. Producer onboarding notes for California indicate online application by owner/authorized representative, review in 1-2 business days, then background check, physical visit to the main location, producer agreement signature, and final setup email before writing new business. Broker/producer contact shown publicly is service@FreedomProducer.com.