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 publishes producer-facing quick reference guides and review checklists rather than a single modern appetite guide. The verified underwriting hub is the Product Quick Reference Guides & Insurance Review Checklists page, which links to commercial, umbrella, workers compensation, personal umbrella, and marine worksheets/checklists. Commercial Package Policy is publicly shown as available in Michigan and Wisconsin, with standard property, liability, inland marine, crime, business income extra expense, cyber liability, employment practices liability, and hired/non-owned auto options. Fremont also promotes specialty CPP/program business including fine dining, condo D&O, water well drillers, HOA D&O, auto repair & service, preferred contractors, preferred religious institutions, preferred hotel/motel, bed & breakfast, and micro-brewery. The current commercial manual dated 4/24 states CPP is for eligible commercial property and CGL exposures, with crime and inland marine addable; it does not write Commercial Auto, Highly Protected Risks, or Pollution Liability as part of the CPP. The manual also says a completed ACORD application must accompany any general liability submission, the risk should generally be loss free for the prior 3 years, hard-copy loss runs may be requested, all liability exposures should be written under one policy unless Fremont agrees otherwise, and monoline GL should be referred to the company. Management is expected to have a proactive safety attitude. Agent binding authority on GL is capped at $1,000,000 per occurrence / $2,000,000 aggregate, subject to underwriting rules. Fremont instructs agencies that it does not accept ACORD 24 or ACORD 25 certificates sent to the carrier; if received, they are returned to the agency, and agencies should issue certificates themselves using the latest ACORD editions. Geographic notes: the public CPP page confirms Michigan and Wisconsin availability, while the manual is Michigan-specific in several sections; use underwriting confirmation before assuming WI parity on specific classes/forms. Workers compensation guidance found on the site is checklist/review oriented rather than appetite-based. The published WC checklist emphasizes multi-state exposure review, home-based employees, out-of-state travel, independent contractor/subcontractor use, certificates of insurance, sample contracts, monopolistic state issues, maritime/USL&H exposure, military base work, leased/PEO employees, payroll separation, and exempt worker questions; this indicates Fremont expects complete operational detail for WC review. For personal umbrella, Fremont requires that all underlying policies be written by Fremont, allows eligible incidental business/biz pursuit exposures and 1-4 family rental dwellings, limits rental dwelling exposure to a maximum of 5 dwellings or 7 units, and identifies recreational vehicles used for racing or stunting as ineligible. The umbrella worksheet also shows required minimum underlying limits, including auto 500/500/100 or 500 CSL, CPL 300, rental dwelling 300/100/300, watercraft 300/300/300, incidental business 300/100/300, and employers liability 100/100/500; any gap or underlying restriction must be reported. Boat/watercraft producer worksheets are available, but no clear public appetite/declination list was verified from the official marine forms beyond worksheet intake fields. Operationally, submissions should be routed through appointed agents/agency portal, with complete applications, exposure details, and prior loss information, and risks outside listed preferred programs, monoline GL requests, unusual liability splits, or Wisconsin-specific form questions should be referred to underwriting.