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
The publicly available Fremont Insurance material for agents is organized as product quick reference guides and review checklists rather than a single narrative appetite guide. These tools are clearly positioned as high-level eligibility/coverage/limits/target market aids and not exhaustive underwriting manuals, and Fremont explicitly notes that agents must use them as groundwork only and cannot rely on them to avoid E&O exposure.([fmic.com](https://www.fmic.com/product-quick-reference-guides-insurance-review-checklists)) Preferred & target business (inferred from available tools) - Strong focus on standard personal lines in MI/WI: homeowners (including condo, renters, mobile homeowners), personal auto, personal umbrella, and marine (yacht owners, boat owners, small boat, personal watercraft), all supported by specific quick reference and checklist documents. These tools typically indicate target occupancy, protection, liability limits and discount structures for mainstream, well-maintained risks. - Small to mid-size business accounts written on BOP and CPP with industry-specific enhancements: bed & breakfast, motels/hotels, condominiums, food service, religious institutions, and general small commercial, supported by BOP and property enhancement endorsements, business owners characteristics, optional coverage features, rating factors, and special property enhancement forms.([fmic.com](https://www.fmic.com/product-quick-reference-guides-insurance-review-checklists)) - Contractors and trades accounts that fit the "Deluxe Contractors Program" and related inland marine (contractors equipment, mobile equipment dealers, installation floater, builders risk, transportation, scheduled property floater). These programs generally assume reasonably well-established contractors with acceptable loss history and safety practices. - Professional offices and service firms where Fremont can attach professional liability, employee benefits liability, and employment practices liability to a BOP/CPP; these coverages are supported by separate forms and rejection/offer documents. - Standard commercial auto supporting the above target segments, with a Commercial Auto Enhancement Endorsement that broadens coverage for well-qualified risks. - Farm & country estate business and small to mid-sized local businesses are shown elsewhere on the site as key offerings, suggesting a regional, Main Street appetite.([fmic.com](https://www.fmic.com/)) Restricted or declined classes (operational expectations) - The public reference page lists many endorsements (e.g., liquor liability, EPL, professional liability, religious institution enhancements) and special risk tools (e.g., solid fuel heater survey, construction class cheat sheet, workers compensation checklist) but does not enumerate specific prohibited classes.([fmic.com](https://www.fmic.com/product-quick-reference-guides-insurance-review-checklists)) - In practice, the presence of separate surveys/checklists (e.g., solid fuel heater survey, rental dwellings, workers compensation, religious institution sexual misconduct limited coverage, liquor liability, EPL, professional liability) signals that these exposures are more heavily underwritten and may be restricted to select operations, limits, or risk characteristics, often requiring specific underwriting approval. - Agents should treat high-hazard operations (e.g., heavy liquor-focused risks, high-hazard contractors, large habitational schedules, risks with prior sexual misconduct allegations or significant loss frequency) as referral business and expect additional underwriting questions and possible declinations despite the availability of enhancement forms. Geographic notes - The public site and policyholder login clearly emphasize Michigan and Wisconsin as active states, and the find-an-agent and policyholder tools are focused on those states.([fmic.com](https://www.fmic.com/)) - Treat Fremont as a regional carrier with a primary appetite in MI and WI. Do not assume availability in other states without explicit underwriting confirmation. Submission and underwriting expectations - Product Quick Reference Guides: described as tools that compile eligibility, coverages, limits, discounts, exclusions, and target markets for each product line. Agents should consult the relevant guide (e.g., Personal Auto, Homeowners, BOP, CPP, Workers Compensation, Umbrella, Yacht Owners, Boat Owners) before quoting or marketing an account.([fmic.com](https://www.fmic.com/product-quick-reference-guides-insurance-review-checklists)) - Insurance Review Checklists: provided for core lines (workers compensation, business, umbrella, personal auto, homeowners, yacht owners, boat owners) and for valuation/constructive total loss topics (property valuation checklist, construction class cheat sheet). Agents are expected to use these to document exposures, valuations, and classification details when submitting accounts, particularly for property, WC, and marine. - Exposure-specific questionnaires/surveys (e.g., solid fuel heater survey, rental dwelling, incidental business owners, religious institution sexual misconduct limited coverage, food service plus property, various inland marine floaters) should accompany submissions when the exposure exists. If the exposure appears in one of these tools, agents should assume Fremont expects that form to be completed and submitted or its questions addressed in the ACORD/summary. - BOP/CPP and CGL submissions should reference the relevant enhancement or optional coverage forms (e.g., Liability Enhancement Endorsement, Property Enhancements I & II, E‑Commerce Package, Stop Gap Employers Liability, Employee Benefits Liability, Liquor Liability) so underwriters can confirm eligibility and pricing based on the target risk profile and rating factors listed in the guides. - For commercial auto, the Commercial Auto Enhancement Endorsement quick reference should be consulted to confirm that vehicle types, radius, and driver characteristics match the enhancement’s eligibility before requesting broader coverage. Broker / producer instructions and notes - Fremont positions these materials as agent tools but warns that they are not comprehensive and that the carrier does not guarantee a "loss-free E&O experience" from using them. Agents must not rely on them as complete underwriting authority and should still exercise independent judgment and document coverage discussions.([fmic.com](https://www.fmic.com/product-quick-reference-guides-insurance-review-checklists)) - For non-standard, borderline, or high-hazard risks (anything heavily featured in a special survey, checklist, or enhancement form), producers should pre-clear with underwriting, provide the appropriate Fremont checklist/survey, and be prepared for modification or declination even if some form appears available on the site. - Because detailed line-of-business appetites and class lists are not exposed publicly, producers should use the guides to frame submissions but confirm eligibility, pricing approach, and any state-specific nuances with their Fremont underwriter or agency portal resources before binding. Operationally, treat the linked quick reference guides and checklists as mandatory pre-quote tools and documentation aids for MI/WI personal lines, small commercial, contractors, marine, WC, and umbrella business, with high-hazard exposures always treated as referral business even where enhancement or specialty forms exist.