Grange Insurance
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
Grange’s current underwriting and risk appetite information for commercial lines is now delivered primarily through a digital appetite and eligibility tool integrated into the Grange Agent portal and powered by Ask Kodiak. This replaces static, carrier‑facing PDF appetite guides for most commercial products. Preferred / target business: - Clear focus on small and middle‑market commercial across many industries, with an emphasis on business that fits standard markets (main street and moderate‑hazard classes) in written states. The digital appetite tool is designed to show, in real time, the classes Grange prefers to write for each commercial product line (e.g., workers compensation, commercial property, BOP/CPP, auto, umbrella). ([grangeinsurance.com](https://www.grangeinsurance.com/news/2021/commercial-risk-appetite?utm_source=openai)) - Internal materials (annual report) emphasize making it easier for agents to place small commercial business and directing them to classes that are most profitable and within current underwriting appetite; this includes preferred classes by industry, risk characteristics, and product form, which are exposed in the Ask Kodiak appetite interface. ([grangeinsurance.com](https://www.grangeinsurance.com/-/media/files/annual%20reports/grange%20enterprise%20annual%20reports/2021-annual-report.pdf?utm_source=openai)) Restricted or declined risks: - Grange no longer publishes a broad, static public list of restricted or declined classes. Instead, risk eligibility and required underwriting review are handled within the digital appetite tool and by dedicated underwriters. Agents are expected to use the Ask‑Kodiak‑powered appetite search in the agent portal to confirm whether a specific class or exposure is written, written with referral, or declined. ([grangeinsurance.com](https://www.grangeinsurance.com/news/2021/commercial-risk-appetite?utm_source=openai)) - Out‑of‑appetite or higher‑hazard classes are identified as such in the digital guide, which prompts referral/underwriter review or indicates that the risk is not written. Operationally, producers should treat any class not positively indicated as in‑appetite as either referral‑only or not acceptable and consult their underwriter before marketing or binding. ([grangeinsurance.com](https://www.grangeinsurance.com/news/2021/commercial-risk-appetite?utm_source=openai)) Geographic notes: - Grange Enterprise serves policyholders in GA, IL, IN, IA, KY, MI, MN, OH, PA, SC, TN, VA, and WI; commercial appetite is concentrated in these operating states. Agents should assume new business must be located in an approved state and that appetite, products, and forms can vary by state and territory; this detail is surfaced in the digital appetite guide for each class. ([grangeinsurance.com](https://www.grangeinsurance.com/news/2021/commercial-risk-appetite?utm_source=openai)) Submission and quoting expectations: - Commercial risk appetite and eligibility must be checked through Grange Agent (the secure agency portal). The digital tool allows agents to search by class, keyword, or NAICS and get a real‑time indication of appetite and product availability before submitting a risk. This is intended to reduce off‑appetite submissions and improve hit and bind ratios. ([grangeinsurance.com](https://www.grangeinsurance.com/news/2021/commercial-risk-appetite?utm_source=openai)) - For small commercial, Grange promotes a streamlined online package process and connectivity with comparative raters (e.g., Tarmika) so that eligible risks can often be quoted and bound quickly with minimal manual underwriting, provided they fall squarely within appetite. ([grangeinsurance.com](https://www.grangeinsurance.com/-/media/files/annual%20reports/grange%20enterprise%20annual%20reports/2021-annual-report.pdf?utm_source=openai)) - Risks that fall into referral ranges or outside appetite should be discussed with the assigned commercial underwriter or small business service team before submission; agents are expected to follow portal prompts and underwriting notes rather than sending blind submissions. ([grangeinsurance.com](https://www.grangeinsurance.com/news/2021/commercial-risk-appetite?utm_source=openai)) Broker / producer instructions and service model: - Grange distributes exclusively through independent agents; there is no direct channel. Appetite, underwriting guidance, and real‑time eligibility are available only to appointed agents via the secure portal. Prospective producers must apply and be appointed to gain access to detailed guidelines and tools. ([grangeinsurance.com](https://www.grangeinsurance.com/news/2021/commercial-risk-appetite?utm_source=openai)) - The carrier emphasizes dedicated underwriting services, local sales and underwriting support, and an agent‑centric model. Underwriters and field staff are expected to provide appetite clarification, training, and product support; agents are encouraged to contact their local underwriter or sales representative when appetite indications are unclear or when presenting non‑standard opportunities. ([grangeinsurance.com](https://www.grangeinsurance.com/youandgrange?utm_source=openai)) - For ongoing management of appetite, Grange indicates that the digital tool will reflect real‑time changes in risk appetite by class, state, and product. Producers should not rely on printed or downloaded guides; instead, they should check the portal at time of quote to confirm that a class remains acceptable and whether any new underwriting conditions apply. ([grangeinsurance.com](https://www.grangeinsurance.com/news/2021/commercial-risk-appetite?utm_source=openai)) Operational takeaway: For Workers Comp, Commercial Property, Commercial Umbrella, and CPP, treat the Ask‑Kodiak‑powered appetite tool inside Grange Agent as the system of record for what is preferred, restricted, or declined in each state. Confirm appetite there before marketing or submitting risks, expect streamlined handling for in‑appetite small commercial classes, and coordinate directly with the assigned underwriter for any class that appears as referral‑only or out‑of‑appetite.