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
Verified official guidance is California-focused and centers on the Western General Classic private passenger auto program. Preferred/target business appears to be personal auto risks in California, including standard and non-standard drivers, with aggressive pricing, low down-payment options, real-time online endorsements, 24-hour processing for apps/endorsements/payments/renewals/rewrites, and SR-22 capability for California licenses only. Published acceptability details include drivers age 16+ through age 69; applicants under 18 cannot be named insureds; out-of-state licenses are acceptable if U.S.-issued; lowered/lifted and salvaged vehicles are acceptable for liability-only; excluded registered owners are acceptable so long as all registered owners are either included or excluded; good-driver discount requires 36 months verifiable U.S. or Canada driving experience and fewer than 2 points. Restricted/declined items specifically called out: artisan/business use is unacceptable; international driver licenses or matricula consular are unacceptable; SR-22 requires a verifiable driving record and the SR-22 driver cannot be excluded. Geographic notes: official underwriting/appetite content located was specific to California, and the producer appointment page currently says Freedom National is accepting producer applications for Utah, while the California overview page still outlines a California producer onboarding flow—this suggests state-by-state producer availability/process should be confirmed before submission. Submission/producer requirements published on the official producer page include a valid P&C license with personal lines authority, current E&O with minimum $1,000,000 limits, acceptable background history, company license copy, voided trust/operating account checks, E&O declarations page, written premium and loss ratio reports for 3 carriers (waived for new companies without active appointments), tax ID, employee email addresses for logins, and agency management download information if used. California producer onboarding steps shown officially: online application by owner/authorized representative only, marketing review in about 1-2 business days, background check, physical visit to the main location, producer agreement signature, then setup email to begin writing. Broker/producer notes: suspense letters, cancellation notices, and commission statements are available online through FreedomProducer; all endorsements are processed online in real time; producer service contact listed is service@FreedomProducer.com. No broader multi-state appetite guide or commercial-lines underwriting guide was verified on the official site.