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
Carrier: Harleysville business is now written under the Nationwide brand and platforms; use Nationwide’s current underwriting and appetite tools rather than legacy Harleysville materials. Overall appetite & tools - Nationwide relies on product‑specific appetite guides and an online appetite directory (including Ask Kodiak) to determine eligibility and target classes by state and line of business. Agents are expected to check appetite before quoting. ([nationwide.com](https://www.nationwide.com/agents/business/workers-compensation?utm_source=openai)) - Appetite is segmented by program (e.g., Beyond the BOP, Construction, Restaurants, Workers Compensation, etc.) and is accessed through the public NBS Appetite Guides page or agent-only centers. ([marketing.nationwide.com](https://marketing.nationwide.com/appetite-guides?utm_source=openai)) Workers Compensation (standard small commercial) - Target: General small commercial and small contractors with relatively modest payrolls and stable operations. Nationwide describes a broad, consistent appetite and competitive premiums, supported by marketing and claims resources. ([nationwide.com](https://www.nationwide.com/agents/business/workers-compensation?utm_source=openai)) - Preferred characteristics (illustrated by CA small-commercial WC guide, which reflects broader small‑biz positioning): - Professional and office classes (e.g., attorneys, accountants, clerical) and light retail/service with good loss history. - Auto‑related risks limited to light vehicle work; avoids heavy truck, farm machinery, and towing‑for‑hire exposures. - Personal services where operations are lower hazard; excludes tanning-only, tattoo, and similar higher‑hazard exposures. ([ironpointagent.com](https://www.ironpointagent.com/wp-content/uploads/2021/08/21-0825-Nationwide-CA-WorkersCompAppetiteGuide_ADA.pdf?utm_source=openai)) - Restricted / declined WC examples (CA guide – directionally useful nationwide, subject to state filings): - Heavy truck, truck‑tractor or farm machinery repair; towing‑for‑hire; 24‑hour auto operations. - Tattoo parlors, tanning‑only salons, exclusively nail salons. - Employment agencies/employee leasing firms as standard small commercial. - Certain higher‑hazard contractors and classes not appearing in or marked outside appetite in the WC class tables. - Geography: WC written nationally subject to state filings; separate published guide for California highlights state‑specific appetite. Agents should verify state‑level appetite with the WC online appetite directory or local underwriter, especially in CA and other distressed WC states. ([nationwide.com](https://www.nationwide.com/agents/business/workers-compensation?utm_source=openai)) - Submission expectations: - Use Nationwide small commercial quote platforms where eligible; many small WC risks can bypass manual underwriting and issue quickly if within appetite and under a payroll threshold (e.g., up to around $2M payroll in the CA guide example). ([ironpointagent.com](https://www.ironpointagent.com/wp-content/uploads/2021/08/21-0825-Nationwide-CA-WorkersCompAppetiteGuide_ADA.pdf?utm_source=openai)) - Provide complete class coding, payroll by class and state, loss runs when requested, and COPE/operations detail for non‑office risks. Commercial Property / Package (including Harleysville legacy books) - Appetite is organized via product‑ or segment‑specific appetite guides (e.g., Beyond the BOP, Construction, Small Commercial E&S). These guides indicate within, limited, or outside appetite by industry. ([marketing.nationwide.com](https://marketing.nationwide.com/appetite-guides?utm_source=openai)) - Preferred property/package targets generally include: - Main‑street mercantile, light manufacturing, professional offices, and similar low‑to‑moderate hazard occupancies with good protection and maintenance. - Risks appropriate for BOP or small commercial package with modest TIV per location and acceptable CAT exposure per Nationwide’s internal thresholds. - Restricted / declined trends (from Nationwide and industry property appetite materials): - High‑CAT coastal or concentration exposures, older/unrenovated frame habitational, heavy manufacturing, or special‑hazard occupancies are often limited or outside of small commercial appetite and may be placed E&S or declined. - Vacant or highly distressed properties are typically outside standard appetite and placed only, if at all, via E&S. - Geography: Nationwide uses appetite tools to manage state and CAT‑zone capacity. Agents should check appetite by location and occupancy before remarketing legacy Harleysville property books. - Submission expectations: - Provide full COPE data (construction, occupancy, protection, exposure), valuation basis, year of updates, and prior loss experience. - For risks falling outside standard appetite, placement may shift to Nationwide Brokerage Solutions (NBS) or other E&S partners using the NBS submission workflow. ([marketing.nationwide.com](https://marketing.nationwide.com/appetite-guides?utm_source=openai)) Home / Personal Lines (where legacy Harleysville Personal Lines was absorbed) - Current personal lines underwriting and appetite are controlled at the Nationwide brand level, with significant recent tightening and periodic new‑business pauses in some states. Agents must follow current Nationwide personal lines guidance rather than any old Harleysville rules. - Preferred: newer, well‑maintained homes in lower‑CAT geographies, with acceptable roofs and updates, and strong prior insurance history. - Restricted / declined: older roofs without updates, high‑CAT exposures (wind/hail, wildfire, hurricane zones), and adverse loss or inspection history; these are often subject to stricter underwriting or non‑renewal, and may need E&S placement. - Geography: Highly state‑ and CAT‑driven; always verify current personal‑lines eligibility and moratoriums in Agent Center tools before marketing or moving Harleysville‑originated home policies. Excess & Surplus / Nationwide Brokerage Solutions (NBS) - Where risks fall outside admitted Nationwide appetite, agents may use Nationwide Brokerage Solutions for E&S placements. - NBS Appetite Guides page lists multiple E&S appetite documents (Beyond the BOP, Construction, Restaurants, Small Commercial E&S, Workers Compensation, etc.) and provides an appetite search tool. ([marketing.nationwide.com](https://marketing.nationwide.com/appetite-guides?utm_source=openai)) - Submission expectations via NBS: - To submit new business, producers are directed to email the NBS new‑business mailbox and/or contact commercial brokers by phone; appetite guides emphasize emailing full submissions and contacting brokers for eligibility questions on borderline risks. ([marketing.nationwide.com](https://marketing.nationwide.com/appetite-guides?utm_source=openai)) Broker / producer notes (operational) - Use the public NBS Appetite Guides and the workers compensation appetite directory (or Ask Kodiak) to pre‑screen classes and states before you quote or move legacy Harleysville accounts. ([nationwide.com](https://www.nationwide.com/agents/business/workers-compensation?utm_source=openai)) - Eligible small‑commercial WC and BOP/package can often be quoted and issued online without manual underwriting; incomplete submissions or out‑of‑appetite classes will be referred or declined. - For E&S or non‑standard risks, follow the NBS instructions: email complete submissions to the listed new‑business mailbox and coordinate with the assigned commercial broker for eligibility and pricing. - Always defer to current Nationwide and NBS appetite tools and state‑filed guidelines; legacy Harleysville manuals are no longer authoritative. When in doubt, contact your Nationwide underwriter or regional sales/marketing representative before promising terms to the insured.