GuideOne
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
GuideOne is a commercial specialty writer focused on community organizations, with core niches in religious institutions, nonprofits, schools and select small business/worker’s compensation segments. They operate nationwide but key published appetite detail currently centers on a Businessowners Policy (BOP) platform for religious organizations.([guideone.com](https://www.guideone.com/resources/agents?utm_source=openai)) PREFERRED / TARGET BUSINESS – RELIGIOUS BOP • Insured type: Religious organizations (churches and similar), including additional exposures such as cemetery, daycare/preschool, headquarters office, lessor’s risk on church premises, parish nurse, parking, security guard, and youth activities/camps when properly disclosed.([thinkcga.com](https://thinkcga.com/wp-content/uploads/2025/08/BOP-Appetite-Guide-08_2025.pdf?utm_source=openai)) • Property values: Total insured value (TIV) at a single location up to $10M; up to 5 locations on one account. Largest building up to 35,000 sq ft.([thinkcga.com](https://thinkcga.com/wp-content/uploads/2025/08/BOP-Appetite-Guide-08_2025.pdf?utm_source=openai)) • Construction/age: – Frame construction: 1950 or newer. – All other construction types: generally acceptable up to 100 years old, with required system updates.([thinkcga.com](https://thinkcga.com/wp-content/uploads/2025/08/BOP-Appetite-Guide-08_2025.pdf?utm_source=openai)) • Building updates: Wiring, heating and plumbing must have been updated within the last 30 years. • Roof age: Full replacement or age within 40 years for metal roofs, 20 years for all other roof types. • Loss history: Up to 2 claims in the last 3 years, with no single claim exceeding $20,000. • Protection class: All protection classes considered, but elevated TIV thresholds in PC 8B–10 create ineligible conditions (see below).([thinkcga.com](https://thinkcga.com/wp-content/uploads/2025/08/BOP-Appetite-Guide-08_2025.pdf?utm_source=openai)) • Sexual misconduct liability: Limits available up to $500,000 / $1,000,000, subject to underwriting and a completed supplemental application for the higher limit.([thinkcga.com](https://thinkcga.com/wp-content/uploads/2025/08/BOP-Appetite-Guide-08_2025.pdf?utm_source=openai)) RESTRICTED / DECLINED CLASSES – RELIGIOUS BOP • Geographic state restrictions for BOP: Not available in AK, HI, NY, or WA.([thinkcga.com](https://thinkcga.com/wp-content/uploads/2025/08/BOP-Appetite-Guide-08_2025.pdf?utm_source=openai)) • Parsonage: Not available in Florida under this BOP structure.([thinkcga.com](https://thinkcga.com/wp-content/uploads/2025/08/BOP-Appetite-Guide-08_2025.pdf?utm_source=openai)) • School exposure: Risks with K–12 school exposure are ineligible for the BOP platform (must be placed in another program, if available).([thinkcga.com](https://thinkcga.com/wp-content/uploads/2025/08/BOP-Appetite-Guide-08_2025.pdf?utm_source=openai)) • Historic properties: Buildings designated as historical landmarks are ineligible for the BOP program.([thinkcga.com](https://thinkcga.com/wp-content/uploads/2025/08/BOP-Appetite-Guide-08_2025.pdf?utm_source=openai)) • Umbrella and Business Auto: Umbrella policies and business auto policies are listed as ineligible within this specific BOP appetite guide (these may need to be placed separately or via other GuideOne programs).([thinkcga.com](https://thinkcga.com/wp-content/uploads/2025/08/BOP-Appetite-Guide-08_2025.pdf?utm_source=openai)) • Protection class / TIV restrictions: – PC 8B or 9: Ineligible if TIV > $2M with no automatic sprinkler system in any building at the location. – PC 10: Ineligible if TIV > $1.5M.([thinkcga.com](https://thinkcga.com/wp-content/uploads/2025/08/BOP-Appetite-Guide-08_2025.pdf?utm_source=openai)) GEOGRAPHIC NOTES • BOP for religious organizations is explicitly unavailable in AK, HI, NY and WA.([thinkcga.com](https://thinkcga.com/wp-content/uploads/2025/08/BOP-Appetite-Guide-08_2025.pdf?utm_source=openai)) • Parsonage coverage is not written in FL under this BOP guide. • Outside these exceptions, GuideOne indicates it operates in all 50 states via a network of independent agents; placement, however, must follow product‑specific appetite and state regulations.([guideone.com](https://www.guideone.com/become-an-agent?utm_source=openai)) KEY COVERAGES / VALUE‑ADD FOR RELIGIOUS BOP • Package includes options or endorsements for: Cyber Suite, Directors & Officers, Employment Practices Liability, Employee Dishonesty, Money & Securities, Equipment Breakdown, Ordinance or Law, Religious Expression, Sexual Misconduct, Total Faith enhancement, Water Backup & Sump Overflow, outdoor property and signs.([thinkcga.com](https://thinkcga.com/wp-content/uploads/2025/08/BOP-Appetite-Guide-08_2025.pdf?utm_source=openai)) • GuideOne markets specialized risk management offerings (armed intruder training, abuse prevention, safety resources) as part of their value proposition for community organizations.([guideone.com](https://www.guideone.com/resources/safety-resource-library?utm_source=openai)) SUBMISSION / UNDERWRITING EXPECTATIONS – RELIGIOUS BOP • All BOP quotes are subject to underwriting review; portal‑entered data is used to determine eligibility—agents are warned not to use inaccurate data as placeholders to obtain a quote.([thinkcga.com](https://thinkcga.com/wp-content/uploads/2025/08/BOP-Appetite-Guide-08_2025.pdf?utm_source=openai)) • Issuance/bind requirements (per current BOP appetite guide): – Send bind requests and issuance requirements to submissions@thinkcga.com (CGA – a GuideOne distribution/underwriting partner), including submission or policy number in the email subject line. – Provide 3 years of hard‑copy loss runs. – For $500,000 / $1,000,000 Sexual Misconduct limits, submit a completed Sexual Misconduct Supplemental Application.([thinkcga.com](https://thinkcga.com/wp-content/uploads/2025/08/BOP-Appetite-Guide-08_2025.pdf?utm_source=openai)) • Underwriting will validate age/condition of building, roof, system updates, claims history and protection class details against eligibility criteria before final approval. BROKER / PRODUCER NOTES • GuideOne distributes through independent agents and program partners; the agent portal "GuideLink" houses applications, forms, marketing and training materials and is the primary system for doing business with the carrier.([guideone.com](https://www.guideone.com/resources/agents?utm_source=openai)) • Appetite has broadened beyond churches to include nonprofits, human services and program business, but current public appetite detail is program‑specific; agents are encouraged to contact underwriting or program managers for risks outside the published guides.([guideone.com](https://www.guideone.com/about-us/financial-strength?utm_source=openai)) • For new agents, GuideOne provides risk management content and niche‑segment guidance via the Agents/Resources sections of the website and expects producers to leverage those materials when advising insureds.([guideone.com](https://www.guideone.com/resources/safety-resource-library?utm_source=openai)) OPERATIONAL TAKEAWAYS • Best fits: Modern, well‑maintained church or religious campuses (non‑historic), modest to mid‑size TIV, limited losses, compliant life‑safety features and non‑school‑driven exposures. • Watch‑list items: Very old or historic sanctuaries, poor or outdated wiring/roof, high TIV in poor protection classes without sprinklers, K‑12 or full school operations, and accounts seeking bundled auto or umbrella within the BOP. • When in doubt on unusual exposures (e.g., large camps, extensive daycare, or multi‑site ministries), submit full details and loss runs and seek pre‑clearance with GuideOne underwriting or the program administrator.