Great Bay Insurance Company
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
Carrier focuses on admitted coastal homeowners in New Jersey only. Preferred business / target risks - Owner-occupied single-family and 2–4 family dwellings in NJ, with emphasis on coastal properties along the Jersey Shore from Sandy Hook to Cape May (Monmouth, Ocean, Atlantic, Cape May counties).([greatbayinsurancegroup.com](https://greatbayinsurancegroup.com/products/?utm_source=openai)) - Well-maintained, better-built homes with appropriate storm protections (roof condition, construction quality, and ongoing maintenance are emphasized in marketing and program materials).([greatbayinsurancegroup.com](https://greatbayinsurancegroup.com/?utm_source=openai)) - Standard HO-3/HO-5 homeowners policies with customizable limits and options (Coverage A–F, ordinance or law, replacement cost on contents, etc.).([greatbayinsurancegroup.com](https://greatbayinsurancegroup.com/products/?utm_source=openai)) Restricted or ineligible classes - No individual condominium-unit policies and no renters (tenant) policies; those occupancies are specifically noted as not currently offered.([greatbayinsurancegroup.com](https://greatbayinsurancegroup.com/products/?utm_source=openai)) - Program materials and public positioning indicate a focus on primary coastal residential risks; non-coastal or non-residential occupancies, and properties outside New Jersey, are effectively out of appetite. - Underwriting referrals are called out in the program overview for risks that fall outside standard program parameters (e.g., unusual construction, atypical loss history, or higher hazard characteristics).([greatbayinsurancegroup.com](https://greatbayinsurancegroup.com/wp-content/uploads/2019/09/Great-Bay-NJ-Coastal-Homeowners-Program-Overview-v8-092619.pdf?utm_source=openai)) Geographic notes - Licensed NJ insurer headquartered in West Atlantic City, NJ; current homeowners product is limited to properties in New Jersey.([greatbayinsurancegroup.com](https://greatbayinsurancegroup.com/?utm_source=openai)) - Marketing specifically cites coastal and hurricane/nor’easter-prone areas along the Jersey Shore, from Sandy Hook to Cape May, as the specialization and primary appetite.([greatbayinsurancegroup.com](https://greatbayinsurancegroup.com/products/?utm_source=openai)) Coverage / product highlights (operational) - Admitted HO program built around coastal exposure, with optional hurricane deductible available to help manage pricing; hurricane deductible applies only when a hurricane causes a covered loss to dwelling or personal property.([greatbayinsurancegroup.com](https://greatbayinsurancegroup.com/products/?utm_source=openai)) - Ability for agent and insured to select key coverage parts and limits (Other Structures, Contents, Loss of Use, Liability, Med Pay), rather than being forced into preset package options. - Optional endorsements include ordinance or law and replacement cost on contents; program guide and overview provide additional detail for agents on available options and how to structure policies.([greatbayinsurancegroup.com](https://greatbayinsurancegroup.com/products/?utm_source=openai)) Submission / underwriting process - Distribution is through appointed independent agents; the agent and homeowner work together to customize coverage.([greatbayinsurancegroup.com](https://greatbayinsurancegroup.com/products/?utm_source=openai)) - Great Bay uses the BriteCore platform for policy, billing, and claims, providing agents an online quote/bind/servicing workflow with standard data integrations; expect electronic submission, rating, and document delivery through that system.([britecore.com](https://www.britecore.com/resources/the-great-bay-insurance-group-achieves-growth-with-britecore-platform?utm_source=openai)) - The Coastal Homeowners Program Overview includes an underwriting referrals section for agents, indicating that certain risks must be referred to Great Bay underwriting for review and approval before binding; agents should follow those referral triggers for non-standard cases (e.g., large TIV, unique construction, or prior losses).([greatbayinsurancegroup.com](https://greatbayinsurancegroup.com/wp-content/uploads/2019/09/Great-Bay-NJ-Coastal-Homeowners-Program-Overview-v8-092619.pdf?utm_source=openai)) Broker / producer notes - Great Bay positions itself as a niche coastal NJ market with stable appetite for the state’s unique coastal exposure; local leadership and coastal expertise are emphasized in producer-facing and public materials.([greatbayinsurancegroup.com](https://greatbayinsurancegroup.com/?utm_source=openai)) - Expect appetite to remain focused on NJ coastal residential homeowners; producers should not expect capacity for non-homeowners or out-of-state risks. - Agents are expected to use Great Bay’s online platform for quoting and servicing and to route out-of-guidelines risks via underwriting referral, as outlined in the downloadable program documents on the product page.([greatbayinsurancegroup.com](https://greatbayinsurancegroup.com/products/?utm_source=openai))