Glatfelter Insurance Group
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
Official appetite guidance is published on Glatfelter’s Appetite Guide & Applications page. Glatfelter writes specialized niche commercial business rather than broad general middle-market risks, with program focus on healthcare facilities, educational institutions, emergency services organizations, public entities/municipalities, religious organizations, and water entities. Healthcare appetite includes for-profit and not-for-profit hospice, home healthcare, and senior living. Geography: hospice/home health is countrywide; senior living is countrywide except certain venues in AK, CA, DC, FL, HI, NJ, NM, NY, NV, PA, and WV. Healthcare submissions must include property when the risk is in a non-cat-prone area, and all healthcare risks are subject to size and venue restrictions. Education appetite includes rural/suburban K-12 public school districts, boards of education, 2-year community/junior/vocational colleges without dormitories, private schools, charter schools, select non-Catholic religious schools, and independent school bus contractors. Education geographic notes are mixed by segment: appetite guide says K-12 public districts and 2-year colleges are countrywide except AK, DE, HI, KY, MS, NY, TX, and WV, with casualty-only availability in AR, IA, FL, KS, MO, NE, and OK, and limited coverage in NC and PA; the applications section provides narrower state availability lists for public, private, and charter schools and states the school program is not offered on a monoline basis. Emergency services appetite through VFIS is broad for fire and emergency service organizations nationwide, including responders to fires, medical emergencies, community safety incidents, communications centers, and supporting organizations. Restricted/declined note: VFIS does not write municipal emergency service organizations or police departments; those classes are directed to the Glatfelter Public Entities program. Municipal appetite focuses on cities, towns, villages, political subdivisions below the county level, and some miscellaneous public entities, generally with populations up to 30,000. Geography: countrywide except AK, AL, HI, KY, and LA; casualty-only in FL, KS, OK, and TX. Religious organizations are written nationwide except HI and across multiple faiths, but Catholic risks are not written. Water entities are targeted for risks involved in treating, storing, or distributing water, wastewater, or other water-related primary operations; geography is countrywide except AK and HI. Submission/process notes: Glatfelter provides program-specific applications and submission mailboxes—healthcare to submissions@glatfelterhealthcare.com, education/municipalities/water to submissions@glatfelterpublicentities.com, emergency services to submissions@vfis.com, and religious organizations to submissions@glatfelters.com. Education and school bus contractors have an early-assessment process promising notice within 2 business days. Producer-facing guidance notes that appointed agents can use the Producer Center for applications, renewal questionnaires, policy copies, loss runs, electronic document receipts, and other resources, and Glatfelter states agents are matched with dedicated underwriting support. Broker support contact is available through the corporate support pages.