Gainsco 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
GAINSCO’s currently verified public producer guidance is for nonstandard/private passenger personal auto written through MGA Insurance Company, Inc. Public agent-facing materials position GAINSCO as a personal auto market with emphasis on full coverage business and broad-spectrum nonstandard customers, sold through independent agents in AL, AZ, AR, FL, GA, ID, IL, IN, MD, MS, MO, NM, OH, OK, OR, PA, SC, TN, TX, UT, VA, and WI. The most concrete official underwriting guidance found is a 2026 Indiana Personal Auto Program Rules Manual, which states all submissions are individually reviewed, must be entered and submitted through GAINSCOconnect, and ACORD/paper applications submitted by other means are not accepted. New business binding requires a fully completed signed application, required exclusions/rejections, documentation for discounts, acceptable risk status under the manual, and collection/remittance of the down payment or full premium plus fees. Agents have immediate binding authority subject to the manual; endorsements must be processed online the same day the insured requests them; backdating is prohibited; and agents have up to 72 hours binding authority from notice by the insured for eligible endorsement handling. Severe-weather binding suspensions may be imposed in GAINSCOconnect for new business or exposure-increasing changes. The manual also notes non-owner policies are available. Producer operating notes include use of GAINSCOconnect/portal.gainscoconnect.com for quotes, policies, endorsements, and support; “if in doubt” call customer service before binding; and material misrepresentation issues called out include undisclosed drivers, incorrect garaging address, omitted accidents/violations, and inaccurate usage or vehicle availability, with warning that misrepresentation can render coverage null and void. Public fast-facts material for Illinois says to always defer to the underwriting manual, highlights full-coverage personal auto, and lists producer support contacts including Product & General Agency Services at 866.805.1344, policy-specific questions at 855.734.2467, claims at 866.424.6726, and technical support at 877.594.9742. No single nationwide public appetite page with a consolidated preferred/prohibited class list was verified; the available official guidance is state/program-specific, so geographic eligibility, coverages, discounts, fees, and restricted or declined risks should be confirmed in the applicable state underwriting manual inside GAINSCOconnect before quoting or binding.