GHS Property & Casualty 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
No current public-facing underwriting, appetite, or producer/agent guidelines for GHS Property & Casualty Insurance Company could be identified from official carrier sources. Available regulator and directory references (Oklahoma DOI annual report, Illinois DOI report, CCIR cross‑border listing, and BBB business profile) confirm that GHS Property & Casualty Insurance Company is/was a licensed property & casualty insurer headquartered in Oklahoma City and authorized for property/casualty lines, but they do not publish risk‑selection criteria, preferred/restricted classes, geographic appetite, or producer submission standards. Because no official carrier website, producer portal, or underwriting guide is discoverable, you should: - Treat underwriting appetite, eligibility, and pricing as **unknown** and not rely on any assumed home product profile. - Contact the carrier (or its parent/administrator, if known internally to your organization) directly via internal market contacts or state‑filing contacts for: • Current homeowners product availability by state and form (HO-3, HO-5, HO-4, HO-6, dwelling fire, etc.). • Written eligibility rules (construction, age of home, protection class, prior losses, coastal/cat exposure, credit/insurance score usage, roof age, dog breeds, pools/trampolines, vacancy, short‑term rentals). • Current lists of restricted/declined risks and any moratoria (catastrophe‑prone ZIPs, wildfire, hurricane/wind, flood‑prone areas). • Current binding authority rules and any pre‑bind inspection or photo requirements. • Producer appointment requirements and whether they accept business only through selected MGAs or program administrators. Operationally, do **not** position or quote this carrier for home risks until you have: - A verified up‑to‑date underwriting guide or bulletin from the carrier or its program manager; and - Confirmation that the homeowners product is currently active in the state of risk. If you have internal access to SERFF, some residential property underwriting guidelines may be on file with state regulators (e.g., Texas or New Jersey) but are not appropriate to operationalize without carrier confirmation, as they may be outdated or incomplete. Summary for brokers/producers today: - Preferred business: Not published. Obtain from carrier directly. - Restricted/declined classes: Not published. Assume no appetite information is reliable without written carrier materials. - Geographic notes: Licensed historically in multiple states, but no public appetite by state; treat state and territory availability as unverified. - Submission requirements: Not published; expect standard ACORD/home supplement and carrier‑specific application once obtained directly. - Producer instructions: No open web producer/agency FAQ or portal found; verify appointment and production expectations directly with the carrier or its parent group before marketing or binding.