Fremont 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
Fremont Insurance’s publicly available guidance is primarily agent-facing quick-reference/checklist material plus a detailed Commercial Package Policy manual hosted on its official site. Business products shown on the site include Commercial Package Policy, Workers Compensation, Business Auto, Farm & Country Estate, and Umbrella; commercial CPP and Workers Compensation pages indicate availability in Michigan and Wisconsin, while the public commercial umbrella page also shows Michigan and Wisconsin availability. The product quick-reference page is the main verified underwriting/resource hub and states the materials are tools for agents, not guarantees of a loss-free E&O result. For CPP, Fremont positions the form for eligible businesses needing property and CGL, with crime and inland marine added under one package. A package must include GL plus at least one other coverage part such as property or inland marine to qualify as a package. Fremont does not accept ACORD 24 or 25 certificates directly; if received, they are returned to the agency, and agencies are instructed to use the latest ACORD certificate editions and handle issuance consistent with policy conditions. CPP explicitly does not include Commercial Auto, Highly Protected Risks, or Pollution Liability as part of the package, and the GL section says claims-made, pollution liability, and standard E&O forms are not written. Public/prohibited property classes in the CPP manual include asphalt works/refining, blacksmithing/foundries, lumberyards, sawmills, smoke houses, tire retreading, and non-incidental spray varnishing/painting. Fremont also publishes special/program business appetite within the CPP manual, including preferred contractors, preferred hotel-motel, preferred light machining/manufacturing, preferred religious institutions, and auto repair/service. Preferred contractors guidance specifically notes a Michigan-based business performing the majority of work in Michigan, with subcontracted work under 40% of annual gross receipts, indicating a strong regional preference. Preferred contractors minimum CPP coverage requirements include building and/or business personal property plus CGL. The preferred contractors section also highlights automatic additional insured for the insured’s work/completed operations including waiver of subrogation, and a water well drillers enhancement with breakout liability and contractors equipment loss-of-earnings coverage. For special-program submissions, the manual repeatedly requires complete submission in Fremont’s quoting/binding/issuing system, signed and completed applications, three years in business or equivalent experience, and acceptable/verifiable prior three-year loss history where applicable. The light machining/manufacturing program additionally requires both an ACORD application and a supplemental questionnaire. Religious institution specialty options require specific supplemental applications before binding; directors and officers coverage requires underwriter approval prior to binding, and sexual misconduct coverage requires the religious institution supplemental application. Auto repair/service public ineligibility examples include conversion specialists, LP gas dealers unless incidental, motorcycle/snowmobile/ATV/recreational vehicle sales-service-repair, parking garages/open lot storage, tool/work bay rental, rustproofing/undercoating/sealing, repair of vehicles over 20,000 lbs GVW, trailer sales/leasing/rental, tire retreading, trailer hitch installation, 24-hour or part-time operations, and welding shops; that program also requires three years in business, signed applications, acceptable prior loss history, and submission through Fremont’s system. Workers Compensation public guidance is limited but confirms availability in Michigan and Wisconsin and directs insureds to work through a Fremont agent for coverage sizing. Public commercial umbrella guidance is high level only; the business umbrella page lists Michigan and Wisconsin availability with limits up to $5 million and instructs prospects to contact an agent for details. For personal/home and boat-watercraft, the verified public underwriting hub includes home, boat owners, yacht owners, personal watercraft, and small boat reference/checklist materials, but detailed public appetite/decline criteria are limited from the site pages reviewed. Overall broker/producer note: use Fremont’s agent resources and quoting/binding/issuing system for complete submissions, expect line- and program-specific supplemental forms for specialty classes, do not rely on certificates sent to Fremont for processing, and route business through an appointed agent/underwriter for binding authority and class eligibility review.