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
Great Bay currently publishes a New Jersey coastal homeowners focus. Official product materials show admitted Home coverage for NJ single-family homes and 2-4 unit multi-family residences, with a stated specialty in coastal properties along the Jersey Shore from Sandy Hook to Cape May, specifically Monmouth, Ocean, Atlantic, and Cape May counties. Program is written on HO-3 and HO-5 forms, for primary and secondary homes including seasonal and rental exposures. Published dwelling limits are $100,000 to $4,000,000 on HO-3 and $300,000 to $4,000,000 on HO-5, with total insurable value capped at $4,000,000. Preferred risks are newer coastal homes, especially year built 1950 or newer, with updates within 25 years and roofs 20 years old or newer. Risks built prior to 1950, updates older than 25 years, or roofs older than 20 years are shown as referral items rather than automatic accepts. Protection Classes 9 and 10 are listed as ineligible. The guide indicates trusts, LLCs, corporations, and 2-4 unit condo associations are eligible ownership/entity types. Clear product restrictions shown on the current site: no individual condominium policy offering and no renters insurance. Geographic note: appetite is specifically New Jersey coastal homeowners business, not a broad multi-state homeowners market. Submission/producer notes publicly available are limited; consumer-facing quote/contact forms are published, but no clearly verified producer-only appetite or broker submission portal was found on the official site. Operationally, this appears to be a targeted NJ coastal Home market where brokers should expect referral handling for older homes/updates/roofs and avoid submitting PC 9-10, condo unit, or renters risks. Optional coverages/increased limits publicly highlighted include customizable B/C/D limits, optional liability and med pay, wind and hurricane deductibles, extended replacement cost, water backup, ordinance or law, contents replacement cost, mold/fungi options, jewelry/valuables scheduling, mechanical breakdown, and loss assessment.