Hastings Mutual
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
Verified public-facing guidance remains marketing-oriented rather than a formal appetite or producer underwriting manual. Hastings publicly positions itself as an independent-agent commercial carrier serving small to mid-sized businesses, with business insurance access routed through local independent agents in Michigan, Ohio, Indiana, Illinois, and Wisconsin. Publicly highlighted target segments include retail and service businesses, manufacturers, wineries, agribusinesses, construction/contracting trades, and small businesses needing combinations of general liability, commercial property, business interruption, professional liability, commercial auto, and workers’ compensation. The site also references commercial package-style placement by describing multi-coverage business solutions and notes business personal property protection. Workers’ compensation guidance is the most operationally specific: Hastings states current commercial clients may add workers’ comp through their agent; all accounts are eligible for free loss control services regardless of size; customized safety plans are available on request; policyholders can access on-demand training resources through their agent; and accounts with premium over $75,000 may request a dedicated claim team. Submission/producer flow is agent-centric: prospects are directed to the online agency locator, where they select coverages, enter business/contact details, choose an agency, and submit a quote request. No public official page was found that lists explicit declined classes, hard ineligible exposures, minimum premiums, target revenue/payroll limits, protection-class limits, coastal/wildfire restrictions, or state-by-state class prohibitions. For broker handling, the main practical note is that appetite details appear to be distributed through appointed independent agents rather than published openly; use Hastings’ appointed-agent channel for class clearance, package availability, umbrella support over underlying Hastings policies, and state-specific underwriting questions. Homeowners content is present on the site, but no public underwriting or appetite guidance for home risks was found beyond standard product marketing. Overall refresh: public guidance confirms a regional independent-agent model, broad commercial capability with emphasis on mainstream business classes, strong loss-control support, and agent-mediated submissions, but not a detailed public underwriting appetite guide.