Houston General Insurance
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
Houston General Insurance (Houston General Insurance Exchange / Houston General Insurance Company) is no longer an active underwriting carrier. The Texas Property and Casualty Insurance Guaranty Association reports that Houston General Insurance Exchange was found insolvent and placed into liquidation by court order on August 11, 2020, with all in‑force policies canceled no later than September 10, 2020. A Special Deputy Receiver (Risk & Regulatory Consulting, LLC) was appointed to administer the liquidation and remaining claims. New business is not being written and there is no current underwriting or appetite guidance for producers. Operational implications for brokers/producers: - Preferred / target business: None – carrier is in liquidation and not accepting any submissions. - Restricted or declined classes: Effectively all classes and lines; no new or renewal policies can be placed. - Geographic scope: Historical writings included multiple U.S. states, but all policies were ordered canceled by September 10, 2020; there is no active geographic appetite. - Submission requirements: Do not submit new business, endorsements, or renewals. Any open claim or policyholder issue must be directed to the Special Deputy Receiver or applicable state guaranty association per the liquidation instructions. - Broker / producer handling notes: Agents should rewrite any remaining affected accounts with an active carrier. For Texas, the guaranty association indicates that litigation against Houston General is permanently enjoined and claims handling is being transitioned through the SDR and the Texas Property and Casualty Insurance Guaranty Association. Agents should not market, advertise, or bind coverage on Houston General paper and should follow guaranty association / SDR instructions for any residual claims or unearned premium matters. Because the company is in liquidation, there is no current or forward-looking underwriting appetite, no preferred classes, and no producer submission workflows beyond claim and liquidation administration.