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 verified official underwriting/appetite guidance remains centered on a digital commercial risk appetite tool for appointed independent agency partners, accessed through the Grange Agent portal and powered by Ask Kodiak. The carrier states agents can use it for real-time appetite, eligibility, underwriting guidelines, and product information across industries and product lines. Current public-facing commercial materials emphasize custom small business and commercial package placements supported by independent agents rather than a detailed public decline list. Publicly promoted target business includes small business and commercial accounts needing commercial property, liability, package, umbrella, workers compensation, commercial auto, cyber, equipment breakdown, EPLI, inland marine, and farm/agribusiness; Grange specifically notes common industries served include contractors, manufacturers, and distributors. Workers compensation is positioned as broadly available for business accounts, with added value through nurse triage, medical care management, consultative risk management, OSHA assistance, ergonomic evaluations, fall protection training, and workplace safety support. Geographic notes: Grange publicly states it writes business, auto, and home insurance in 13 states, and coverage/discount availability varies by state; agents should confirm state-specific eligibility and forms. Strategic/current operating note: Grange’s 2024 annual report says the company finished 2024 strong, exceeded new business plan through midmarket and specialty production, refreshed its Small Business/BOP program with a clearer appetite and new pricing model, and shifted 2025 focus to profitable growth in midmarket, small business, and specialty. Submission/broker notes: business is sold through independent agents only; Grange instructs insureds and prospects to work with a local independent agent for quotes, coverage comparison, and eligibility. For appointed agents, the practical submission workflow is to screen classes in the digital appetite tool/Grange Agent portal, then place eligible business through Grange’s quoting capabilities; Grange also references GAINWeb quoting, a simple online package process, and a commercial quoting portal rollout. Broker/producer instructions publicly highlighted include using the agent portal for appetite and eligibility checks, leveraging premium audit for exposure updates, and contacting the local Grange independent agent for state-specific coverage details. Restricted or declined classes: no current detailed public official class-by-class restricted/declined schedule was found on the public site; those specifics appear to be housed inside the agent-facing digital appetite guide/portal rather than in a public bulletin.