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’s current official site positions the carrier as a niche writer for organizations that strengthen communities, with primary focus on religious organizations, nonprofit/human services organizations, educational institutions, and certain niche programs. For religious organizations, GuideOne actively markets coverage for churches, synagogues, mosques, temples, interfaith groups, religious schools, clergy, Bible camps, and similar faith-based risks. The verified small-business church appetite PDF remains the clearest published underwriting/appetite guidance for this segment: eligible church risks generally fit five or fewer locations, property values of $5M or less per location, up to 50 employees, gross sales of $6M or less per location, 35,000 square feet or less, buildings under 40 years old or with acceptable updates, two or fewer claims in the last three years, and no historical-landmark buildings. Explicitly ineligible or restricted exposures on that document include camp exposure, daycare exposure, and K-12 school exposure. For CPP-related placement, the flyer notes Total Faith Coverage Enhancement applies to the BOP only, while FaithGuard Property & Liability is offered on CPP, which is relevant when moving larger or less standard church accounts out of small-business packaging. Geographic note: GuideOne states some coverages or discounts are not available in all states, but no full public state appetite matrix was verified; treat state availability as carrier-confirmed at submission. Submission/broker notes: GuideOne directs prospects and producers to request a quote through the website or contact a Sales Director for small business insurance; the producer-facing material emphasizes GuideOne’s appetite for religious organizations, nonprofit & human services organizations, and educational institutions, plus access to niche-specific products, risk-management resources, and competitive commissions. Practical takeaways for brokers: target mission-driven religious risks with controlled size, limited claims frequency, updated buildings, and no childcare/camp/K-12 operations for the small-business church platform; use GuideOne when church-focused enhancements, sexual misconduct, religious expression, cyber, D&O/EPLI, and faith-specific risk-management support are important; confirm state/product availability and whether the account belongs in BOP versus CPP/FaithGuard structure with the carrier or Sales Director before submission.