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
Great American Insurance Group writes commercial business primarily through specialty divisions and digital small commercial platforms rather than a single broad admitted package market. Appetite and guidelines are division- and program-specific; agents should reference the relevant division or program guide when quoting. Preferred / Target business - Digital Small Commercial (PolicySweet / Commercial API): small businesses in classes such as cleaning companies, contractors (light/medium trade), food services & restaurants, landscaping, retail, offices, and personal care/services. These are primarily written on package/BOP and workers compensation for small Main Street risks, distributed either directly via PolicySweet or through agency/API integrations. - GREATPOLICY monoline property (Southwest Appetite Guide): commercial real estate; habitational/condominiums and other multifamily; healthcare and senior living (hospitals, nursing homes, assisted living); medical office/medical arts; public entities and municipalities; public transportation hubs; radio/TV broadcasting; retail shopping centers and supermarkets; metalworking (tool & die, machine shops); schools (public, private, vocational); universities; wastewater treatment plants. Many of these may be layered or scheduled as part of commercial property or package placements.([greatamericaninsurancegroup.com](https://www.greatamericaninsurancegroup.com/docs/default-source/property-inland-marine/southwest-team-brochure.pdf?sfvrsn=f9a85bb1_5&utm_source=openai)) - Workers’ Compensation: national appetite via various distribution partners with coverage available in all states except monopolistic funds (ND, OH, WA, WY), where GAIG does not provide WC. Within the voluntary market they emphasize targeted classes and disciplined underwriting; many program administrators and MGAs use GAIG paper for niche WC segments.([greatamericaninsurancegroup.com](https://www.greatamericaninsurancegroup.com/about-us/business-operations/division/alternative-distribution/commercial-api?utm_source=openai)) - Professional / Healthcare packages: select healthcare and miscellaneous medical/behavioral providers via divisional appetite guides such as the Complete Care Connect program, typically combining professional liability, GL, and related coverages for modern healthcare delivery models, including telehealth.([greatamericaninsurancegroup.com](https://www.greatamericaninsurancegroup.com/docs/default-source/professional-liability/complete-care-connect-appetite-guide.pdf?sfvrsn=730a53b1_7&utm_source=openai)) Restricted / declined classes - Appetite for large or complex umbrella/excess placements is selective. Third-party marketing results show GAIG Custom often declining certain large public entity or infrastructure umbrellas as "no appetite" or "not competitive," indicating a targeted rather than broad open-market umbrella appetite in higher-hazard or heavy-loss accounts.([drpa.org](https://www.drpa.org/pdfs/BoardAgenda_2020-10-21.pdf?utm_source=openai)) - Crime is generally limited to incidental exposure only on the GREATPOLICY monoline property platform; flood and earthquake are considered subject to underwriting guidelines and are not automatically included.([greatamericaninsurancegroup.com](https://www.greatamericaninsurancegroup.com/docs/default-source/property-inland-marine/southwest-team-brochure.pdf?sfvrsn=f9a85bb1_5&utm_source=openai)) - Within workers compensation, hazardous classes, social service risks with extensive off-premises exposure, heavy construction, or poor loss histories may fall outside of appetite or require specialized loss-sensitive or captive structures (e.g., Strategic Comp) rather than standard guaranteed-cost placements. GAIG emphasizes underwriting discipline and targeted classes rather than broad open appetite.([insurancebusinessmag.com](https://www.insurancebusinessmag.com/us/news/workers-comp/top-10-workers-compensation-insurance-companies-in-the-us-214339.aspx?utm_source=openai)) Geographic notes - Digital small commercial workers compensation is available in all non-monopolistic states plus DC; WC is not available in ND, OH, WA, and WY. BOP coverage via the digital small commercial platform is available nationwide except in Alaska, Florida, Hawaii, and Maryland.([greatamericaninsurancegroup.com](https://www.greatamericaninsurancegroup.com/about-us/business-operations/division/alternative-distribution/commercial-api?utm_source=openai)) - GREATPOLICY monoline property guide cited is branded for a Southwest team but illustrates national capabilities and capacity on admitted A+ paper up to approximately $150M in property limit per guide; flood/quake availability varies and is subject to underwriting. Agents should confirm territorial appetite and CAT capacity with the property division.([greatamericaninsurancegroup.com](https://www.greatamericaninsurancegroup.com/docs/default-source/property-inland-marine/southwest-team-brochure.pdf?sfvrsn=f9a85bb1_5&utm_source=openai)) Submission & underwriting expectations - Digital/API programs: require an agency front-end or platform with the capability to integrate to GAIG’s Commercial API. Onboarding involves technical implementation with GAIG’s integration team; lead activity and quotes can be generated through the direct quoting platform for appointed agents. Expect streamlined, data-driven submissions with standard rating inputs (FEIN, payrolls, revenue, location info, and basic operations description).([greatamericaninsurancegroup.com](https://www.greatamericaninsurancegroup.com/about-us/business-operations/division/alternative-distribution/commercial-api?utm_source=openai)) - GREATPOLICY property: offers online quote-bind-issue for eligible monoline property classes; enhancements include equipment breakdown, data compromise, and class-specific property enhancement endorsements (e.g., healthcare). Submissions outside automated parameters (higher limits, special hazards, flood/quake, or non-standard occupancies) are referred to an underwriter with supplemental information (statement of values, loss runs, details of construction, protection, and occupancy).([greatamericaninsurancegroup.com](https://www.greatamericaninsurancegroup.com/docs/default-source/property-inland-marine/southwest-team-brochure.pdf?sfvrsn=f9a85bb1_5&utm_source=openai)) - Professional/healthcare programs (e.g., Complete Care Connect) require a more traditional submission: completed program application, detailed description of services (including telehealth), staffing mix and provider credentials, historical GL/PL losses, and any regulatory or disciplinary matters. Submissions are directed to the specific program email (e.g., CCCsubmissions@gaig.com) listed in the appetite guide.([greatamericaninsurancegroup.com](https://www.greatamericaninsurancegroup.com/docs/default-source/professional-liability/complete-care-connect-appetite-guide.pdf?sfvrsn=730a53b1_7&utm_source=openai)) Broker / producer notes - GAIG distributes largely through appointed agents, brokers, and program administrators. Many appetite guides and marketing PDFs are labeled "For agent/broker distribution only," reinforcing that these are producer-facing tools, not consumer advertising.([greatamericaninsurancegroup.com](https://www.greatamericaninsurancegroup.com/docs/default-source/professional-liability/complete-care-connect-appetite-guide.pdf?sfvrsn=730a53b1_7&utm_source=openai)) - For digital small commercial, producers can either place business directly through GAIG’s exclusive agency platform or embed GAIG’s API in their own or partner platforms to quote BOP and workers compensation for eligible small-business classes. GAIG emphasizes competitive commissions and no access fees for the direct quoting platform.([greatamericaninsurancegroup.com](https://www.greatamericaninsurancegroup.com/about-us/business-operations/product/alternative-markets/digital-small-commercial?utm_source=openai)) - Capacity is strong on admitted A+ paper for property (noted up to roughly $150M for monoline property) but subject to class, CAT aggregation, and underwriting review. Excess/umbrella appetite is more selective, particularly on large public-sector or heavy-exposure schedules; producers should pre-clear large or unusual umbrellas with GAIG or appropriate program administrators before marketing.([greatamericaninsurancegroup.com](https://www.greatamericaninsurancegroup.com/docs/default-source/property-inland-marine/southwest-team-brochure.pdf?sfvrsn=f9a85bb1_5&utm_source=openai)) Operationally, agents should treat GAIG as a specialty, program-driven market: confirm the correct division/program (digital small commercial, GREATPOLICY property, Strategic Comp or other WC programs, professional/healthcare, etc.), consult the specific appetite guide, and follow program-level submission instructions rather than assuming a single universal commercial-lines appetite or process.