Harleysville
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
Harleysville is now branded under Nationwide, and current producer-facing underwriting/appetite guidance is published on Nationwide agent pages. For commercial business, Nationwide’s verified appetite is organized primarily by Small Commercial and Middle Market segments. Small Commercial targets knowledge-based professional/financial services, select auto services, personal services, pet care services, and artisan contractors. Common small-commercial thresholds shown include BOP/property capacity up to $20M building+BPP, per-building TIV commonly up to $5M-$10M depending on class, up to $20M sales, commercial auto generally fewer than 20 power units, and workers’ compensation generally fewer than 50 employees with up to $2M total payroll exposure. Cyber/EPLI are automatically offered on eligible BOP quotes with limits up to $1M for many target classes. Notable avoid/restricted examples published on the small commercial page include banks/financial institutions, surveying/mapping, testing labs, research and development, car washes, automotive brake repair, tire dealers, work on racing/high-performance vehicles, motorcycles/ATVs, impound yards, rental operations, tire recapping, split-rim work, HOA/association risks, day spas/medical spas, tanning/piercing/tattoo/permanent makeup, pet breeding, animal shelters, and certain veterinary or large-animal exposures. Small commercial notes also call out operational requirements such as UL-approved paint booths meeting NFPA 33 for body shops, incidental-only towing, no contract towing, no loaner/rental vehicles, and limits on non-auto sales receipts. Workers’ comp guidance for agents states Nationwide has a broad/consistent appetite, supports monoline workers’ comp as well as packaged placements, and provides an online appetite directory searchable by class and state plus Ask Kodiak access. Producer notes emphasize fast/easy quoting, packaging WC with BOP or other accounts, and contacting the territory manager for support; sales materials are available through Commercial Center (login required). Middle Market appetite focuses on larger accounts and packaged/all-lines solutions, with target industries including construction, human services, nonprofit, senior living, manufacturing/distribution, real estate, restaurants, retail, finance/insurance, technical firms, scientific firms, and professional services. Published middle-market submission expectations include 5-year loss runs/history, line-specific applications plus supplemental new-business applications, abuse-prevention policies for human services, and recent financial statements for senior living. Geographic guidance is limited on the public pages; Nationwide notes products are not available in all states and that eligibility varies by state, so class/state acceptability should be confirmed through the online appetite directory before quoting. For personal/home, the public agent hub indicates a separate Personal Lines appetite exists, but no Harleysville-specific public home underwriting guide was directly verified in this refresh.