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 published underwriting guidance remains high-level and agent-facing rather than a public class-by-class appetite guide. The clearest official source is its March 15, 2021 commercial risk appetite announcement, which says Grange provides real-time commercial appetite and eligibility digitally through Ask Kodiak within the Grange Agent portal for independent agency partners. Public-facing business pages confirm Grange writes a variety of business risks and offers small business/BOP-style coverage, commercial property and auto, commercial liability, workers compensation, cyber coverage, equipment breakdown, EPLI, premium audit support, and risk management consulting. Preferred business is best described as small-to-mid-sized mainstream commercial accounts that fit Grange’s digital eligibility rules and can be placed through an appointed independent agent; the site emphasizes tailored coverage, risk evaluation, and consultative support rather than open submission of distressed or unusual risks. No public official page located in this refresh provides a detailed list of restricted or declined classes, occupancy prohibitions, protection-class cutoffs, habitational limits, coastal/wildfire rules, or umbrella attachment specifics; those appear to be controlled inside the agent-only appetite/eligibility tool rather than on a public webpage. Geographic notes: Grange states it serves policyholders in 13 states—Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, and Wisconsin—and distributes exclusively through independent agents, so submissions should be routed through an appointed local agency. Submission and producer notes: there is no public broker submission portal found for non-appointed producers; Grange directs prospects to find an agency, and its appetite guidance references Grange Agent as the access point for independent agency partners. Notable producer/broker instructions available publicly: Grange sells exclusively through independent agents, promotes digital appetite/eligibility lookup for agency partners, and highlights access to risk control services for commercial insureds after binding. For Home/personal lines, public guidance is likewise distribution-focused rather than underwriting-specific; no verified public home underwriting or personal-lines appetite guide was found in this refresh.