Great American 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
Verified guidance is published through Great American’s Alternative Distribution / Alternative Markets small commercial platform rather than a traditional producer-facing appetite narrative. Current published positioning indicates a digital small commercial appetite for BOP, General Liability, and Workers’ Compensation, with nationwide reach subject to state variation. BOP is available nationwide except Alaska, Florida, Hawaii, and Maryland. Workers’ Compensation is available in all states and Washington, DC except monopolistic states North Dakota, Ohio, Washington, and Wyoming. The platform states it is suited to small business risks and highlights cleaning companies, contractors, food services/restaurants, landscaping companies, retail businesses, offices, and personal care/services. The posted appetite guides show many office, retail, contractor, service, selected habitational, and light manufacturing classes, with business accepted by line on a class-specific basis. Examples shown as accepted or eligible by line include accounting/bookkeeping, insurance agencies, real estate agencies, medical offices, title agents, janitorial/commercial cleaning without window washing, residential cleaning, landscaping/gardening, floor covering installation, electrical work within buildings, fencing, painting, plumbing, HVAC/refrigeration dealer-installers, hotels/motels, bed and breakfast inns, and a range of light manufacturing classes. The class guides are line-specific and imply restrictions where a class is not marked for a given coverage, so producers should verify whether the risk is eligible for BOP, GL-only, and/or WC before submission. The materials do not publish a consolidated decline list on the verified pages reviewed; however, the appetite is clearly limited to enumerated class codes and certain states, and classes outside the guide or requiring referral should be treated as restricted until confirmed. For package/property/umbrella, Great American’s Alternative Markets product portfolio page confirms Commercial Package with property, inland marine, equipment breakdown, crime, Workers’ Compensation, and Commercial Umbrella and Excess are available within captives/elite/open program structures, but the reviewed official page does not provide a detailed public class appetite for those lines. Submission and producer notes: the Commercial API page is aimed at embedded/API and digital distribution partners and says an agency front end with integration capability plus an implementation team is required; Great American indicates binding/issuing can occur through the API and onboarding may be as fast as about two weeks depending on partner capabilities. The contact page confirms four digital channels: direct-to-customer, co-brandable agent interface, API connections with agent-owned quoting platforms, and embedded offerings on other digital platforms. Operationally, brokers/producers should use the class appetite PDFs and state availability rules first, confirm line-specific eligibility for each class, and engage the Alternative Distribution team for state, referral, and integration questions.