Great Lakes Mutual 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 Lakes Mutual currently publishes consumer and agent-facing guidance indicating a Michigan-only personal property insurer with emphasis on homeowners and related habitational property. For Homeowners, the company offers HO-2 Broad Form and HO-3 Special Form coverage, with policies written either at market value or up to 100% of actual cash value; it also highlights a modified replacement cost endorsement for qualifying homes insured below full replacement cost thresholds. Agent materials position preferred business as Michigan residential property risks where market value placement, flexible coverage structure, and no credit scoring are attractive differentiators. The carrier also promotes dwelling property, condominium, and renters contents business through its agency materials and quote portal. Geographic notes: Great Lakes states it insures properties located within the State of Michigan and is actively seeking experienced agencies throughout Michigan. Submission/quoting guidance published for agents shows quote requests can be submitted for DP-1 fire-only/basic, DP-2, DP-3, HO-2, HO-3, HO-4, and HO-6, with underwriting variables including construction type, protection class, occupancy, family count, liability limit, dwelling amount, and contents amount for DP risks. Occupancy selections shown in the quote system include owner, owner-seasonal, tenant, vacant, short-term rental, and student rental; these occupancies appear quotable in the portal, but the site does not publish a formal statement that all are automatically acceptable. The clearest restriction published is that submitted applications are subject to crime scoring and may be rejected when crime scores exceed acceptable limits; no detailed public decline list, class prohibition schedule, age/condition restrictions, or coastal/cat restrictions were found on the official site. Broker/producer instructions: agencies seeking appointment must provide agency and agent licensing details including NPN, system ID, DRLP, addresses, tax ID, agent roster, agency history, and desired property lines; if more than three agents will write business, additional agent information should be emailed to info@glmutual.com. Great Lakes advertises low premium requirements, competitive commissions, possible profit-sharing for agencies meeting compensation guidelines, IVANS Policy/eDocs connectivity, and a web-based platform for quoting, issuing, maintaining policies, uploading photos/RCT, printing declarations and billing documents, and processing payments. For underwriting help, the site directs agents to call (906) 337-3603, and quote requests are reviewed during normal business hours with same-day goal or within one business day.