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 Insurance Company currently publishes a coastal New Jersey homeowners program focused on owner-occupied home risks in NJ, especially Jersey Shore exposures from Sandy Hook to Cape May. Published appetite indicates single-family homes and 2-4 unit multi-family residences are eligible, with stated specialization in Monmouth, Ocean, Atlantic, and Cape May counties. The carrier states it evaluates hurricane risk on each NJ home individually and offers optional wind and hurricane deductibles, suggesting a coastal-cat-oriented underwriting approach. Published restrictions/declinations include no individual condominium policies and no renters insurance. Public-facing materials emphasize customizable homeowners coverage rather than a detailed broker appetite grid; available options include configurable other structures, contents, loss of use, liability, medical payments, ordinance or law, water backup, mold-limited coverage, mechanical breakdown, escaped fuel, scheduled valuables, and deductible choices. Geographic notes are NJ-specific, with repeated statements that the company insures coastal homes for New Jersey residents and currently offers homeowners policies in NJ only. Submission guidance on the public site is limited: quote requests are directed through website quote/contact pages and policy design is described as working with the insured’s agent. Broker/producer notes publicly available are minimal; the site repeatedly instructs users not to report claims through the general info email and instead use designated claims contacts. No separate official producer portal, broker appetite guide, or detailed underwriting manual was verified on the public site beyond the products/resources/program-overview materials.