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’s verified small commercial guidance for this distribution appears under Alternative Distribution / Commercial API rather than a traditional retail underwriting page. Current published appetite is centered on digitally quoted small business risks, with BOP, General Liability, and Workers’ Compensation available through the platform/API; the BOP combines GL, business property, and cyber coverages. Preferred/target segments shown include offices and professional services, selected artisan contractors, retail, restaurants, habitational/hotel, and light manufacturing classes listed in the Alternative Distribution Appetite Guide. Examples of eligible classes shown include accounting/bookkeeping, insurance agencies, medical offices, real estate agencies, software/web design, janitorial, landscaping, HVAC, plumbing, floor covering, bakeries, clothing/computer/electronics stores, cafes, fast food, casual/fine dining, and numerous light manufacturing risks. Important restrictions published: BOP/GL eligibility is affected by geography including coastal, storm, and wildfire exposures; BOP is not available for most contractor classes in CA, FL, IL, NC, NJ, NY, NV, OR, SC, TX, and WA. Artisan contractor criteria include annual payroll not over $1,000,000, no work above three stories, subcontracted work not over 25% of annual gross sales, no general contractors, and no renting/leasing equipment to others. Restaurant criteria include no 24-hour operations/open after 11 PM, no frame construction, square footage caps (generally 7,500 sq. ft., up to 15,000 sq. ft. for casual/fine dining), alcohol sales limits (25% of sales, or 50% for fine dining), off-premises catering capped at 10% of sales, required automatic extinguishing systems for cooking equipment in fast food/casual/fine dining, no bar operations without full table service, no entertainment/dancing beyond incidental music, no food trucks, no converted dwellings, and no entertainment/play areas. Geographic notes: the Commercial API page states business is written nationwide subject to state availability; Workers’ Compensation is not available in monopolistic states North Dakota, Ohio, Washington, and Wyoming; BOP is available nationwide except Alaska, Florida, Hawaii, and Maryland. Submission/producer notes: distribution is designed for API/embedded partners and digital channels, with onboarding through Great American’s Alternative Distribution team; the carrier services API documentation references submission, product, rating, producer, and appetite/eligibility functions, indicating partners can submit, update, retrieve, bind, validate eligibility, and obtain class/program data through APIs. Practical broker/producer takeaway: this is a digitally oriented small commercial appetite with class-by-class eligibility, stronger fit for lower-hazard service, office, retail, restaurant, and light contractor/manufacturing risks, and less fit for coastal/CAT-sensitive property, higher-hazard contractors, late-night or entertainment-driven hospitality, and monopolistic-state workers comp placements.