Honeycomb Insurance Company
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
Honeycomb Insurance focuses on commercial real estate and habitational risks, written as package policies that bundle property and casualty coverages for landlords and associations. Their core appetite is income‑producing residential real estate: small commercial landlord risks, multifamily buildings, and condo/HOA/COA master policies. Coverage is delivered via admitted package policies in most states and a non‑admitted “Honeycomb Specialty” program for harder‑to‑place property accounts.([mynewmarkets.com](https://www.mynewmarkets.com/listings/xrzvpv?utm_source=openai)) Preferred business / target risks - Landlords, property owners, and property managers insuring: - Small to midsize commercial landlord exposures (1–4 family rentals, small apartment buildings, smaller HOA/COA schedules). - Larger multifamily and condo/HOA portfolios that fit Honeycomb’s standard habitational profile (well‑maintained buildings, generally standard construction, no severe loss history).([mynewmarkets.com](https://www.mynewmarkets.com/listings/xrzvpv?utm_source=openai)) - Risks suitable for admitted package policies where Honeycomb can write property, GL and related coverages together for landlord/association accounts (described in job and product materials as “admitted package policies” for commercial real estate).([remoterocketship.com](https://www.remoterocketship.com/company/honeycombinsurance/jobs/direct-sales-representative-chicago-hybrid?utm_source=openai)) - Buildings where Honeycomb’s remote inspection/AI and Address Qualification technology can validate acceptable condition, especially roofs, exterior, and COPE details; accounts that can be quickly pre‑qualified by address are clearly favored.([insurancebusinessmag.com](https://www.insurancebusinessmag.com/us/news/technology/honeycomb-unveils-tech-to-quickly-identify-property-insurance-eligibility-498506.aspx?utm_source=openai)) Non‑admitted / specialty appetite - Honeycomb operates a non‑admitted program (“Honeycomb Specialty”) in all states where it writes business, designed for habitational risks that sit just outside the traditional admitted appetite, including:([bignewsnetwork.com](https://www.bignewsnetwork.com/news/278450742/honeycomb-expands-its-non-admitted-product-to-all-18-states-and-increases-total-insured-property-limits-from-10-million-to-25-million-after-a-successful-first-year-in-market?utm_source=openai)) - Properties with some non‑standard electrical panels/breakers. - Roofs in below‑average condition. - Accounts with short coverage lapses. - Property limit appetite for the specialty program has been increased from total insured value (TIV) of about $10M to roughly $25M across a schedule, subject to underwriting.([bignewsnetwork.com](https://www.bignewsnetwork.com/news/278450742/honeycomb-expands-its-non-admitted-product-to-all-18-states-and-increases-total-insured-property-limits-from-10-million-to-25-million-after-a-successful-first-year-in-market?utm_source=openai)) Geographic notes - Honeycomb focuses on U.S. commercial real estate across a defined but expanding state footprint (18 states noted in recent press for its property program).([bignewsnetwork.com](https://www.bignewsnetwork.com/news/278450742/honeycomb-expands-its-non-admitted-product-to-all-18-states-and-increases-total-insured-property-limits-from-10-million-to-25-million-after-a-successful-first-year-in-market?utm_source=openai)) - It has recently expanded into Oregon, specifically positioning itself as a capacity provider for well‑maintained condos, apartment buildings and single‑family rentals in a constrained property market. Agents should expect active interest in Oregon habitational submissions that meet Honeycomb’s maintenance/quality standards.([bignewsnetwork.com](https://www.bignewsnetwork.com/news/278864384/honeycomb-launches-in-oregon-delivering-precision-underwriting-with-stable-and-scalable-coverage-to-a-constrained-market?utm_source=openai)) Restricted / declined characteristics (inferred from appetite positioning) - While specific exclusionary classes are not published in an open appetite PDF, recent announcements clarify that “traditional admitted appetite” remains more selective, with the non‑admitted program carved out for: - Non‑standard electrical, roofs in poorer condition, and accounts with short lapses. - This implies that more distressed or significantly sub‑standard properties (severely deferred maintenance, major life‑safety issues, or repeated large losses) are likely declined outright or only considered under tight specialty terms. - Honeycomb emphasizes disciplined, data‑driven underwriting and an “above‑average risk” focus for its core book, suggesting they will be restrictive on: heavy catastrophe exposure without mitigation, very poor building condition, or risks with unaddressed life‑safety hazards.([bignewsnetwork.com](https://www.bignewsnetwork.com/news/278450742/honeycomb-expands-its-non-admitted-product-to-all-18-states-and-increases-total-insured-property-limits-from-10-million-to-25-million-after-a-successful-first-year-in-market?utm_source=openai)) Submission and workflow expectations - Distribution model is a mix of direct digital and appointed agents/brokers: - Agents and property owners can obtain real‑time rate/quote/bind for habitational packages through Honeycomb’s online platform; agent‑facing material highlights quick pricing, instant coverage customization, and the ability to bind admitted package policies.([mynewmarkets.com](https://www.mynewmarkets.com/listings/xrzvpv?utm_source=openai)) - Address Qualification (AQ) tool is used up‑front to confirm eligibility. Brokers should expect to run locations through AQ or similar address‑based screening before investing in a full submission.([insurancebusinessmag.com](https://www.insurancebusinessmag.com/us/news/technology/honeycomb-unveils-tech-to-quickly-identify-property-insurance-eligibility-498506.aspx?utm_source=openai)) - Typical submission content (as inferred from product and recruiting materials): - Property address list with TIVs, construction/occupancy details, and prior loss history. - Confirmation of landlord/association use, unit counts, and basic COPE data; Honeycomb’s remote inspection technology fills in additional details, so extensive photo reports may not be required unless requested.([bignewsnetwork.com](https://www.bignewsnetwork.com/news/278450742/honeycomb-expands-its-non-admitted-product-to-all-18-states-and-increases-total-insured-property-limits-from-10-million-to-25-million-after-a-successful-first-year-in-market?utm_source=openai)) - Turnaround is positioned as rapid, with underwriting and rating often completed digitally and with minimal traditional back‑and‑forth compared to legacy carriers. Broker / producer notes - Honeycomb actively courts partner agents and MGAs, highlighting:([mynewmarkets.com](https://www.mynewmarkets.com/listings/xrzvpv?utm_source=openai)) - A broad landlord/habitational underwriting appetite that can accommodate the majority of standard risks, plus a non‑admitted solution for near‑miss or slightly distressed properties. - Real‑time quote/bind, flexible endorsement changes, and price updates on the platform, intended to simplify producer workflows and improve margins on small to mid‑market landlord business. - Direct points of contact (regional sales/producer‑facing staff) for agents placing commercial habitational portfolios. Operational takeaway - Treat Honeycomb as a habitational‑only commercial package market with a strong preference for landlord, multifamily, and condo/HOA risks, particularly where fast digital quote/bind and AI‑driven risk selection are valued. - Use Honeycomb’s own eligibility/address tools first, then segment accounts: - Clean, well‑maintained habitational risks to the admitted package. - Slightly off‑standard (electrical/roof/lapse issues) to the non‑admitted property program, within published TIV limits. - Expect limited or no appetite for non‑habitational commercial occupancies, heavy industrial, or non‑real‑estate‑driven package accounts, as nothing in current materials suggests a broader main‑street commercial CPP appetite. Note: Honeycomb does not publish a public, line‑by‑line underwriting appetite PDF. The above operational guidance is synthesized from Honeycomb’s official site, product/program announcements, and verified industry write‑ups and should be validated against any proprietary appetite documents provided to appointed producers.