Imperial Fire & Casualty
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
No current, official public underwriting, appetite, or producer guidelines could be located for Imperial Fire & Casualty homeowners or related home products. Ownership / status context: - Imperial Fire & Casualty Insurance Company has historically written homeowners and related personal lines and its assets (including underwriting subsidiaries) were acquired by National General around 2014; current public references to Imperial are mostly limited to claim phone-number listings and agency marketing blurbs, not active underwriting manuals or appetite guides. Operational guidance for brokers (practical use): - Treat underwriting appetite, eligibility, and binding/quoting rules as controlled through your current MGA, wholesaler, or the program administrator you access Imperial through; follow their specific program guide rather than any assumption of a standalone Imperial homeowners appetite. - Because no current guidelines are public, assume that: • Geographic eligibility, construction standards, protection-class tolerances, and coastal / catastrophe exposure rules will be program-specific and must be confirmed at quote or with your underwriting contact. • Any prior Imperial-branded home business may now be administered under successor carrier/program rules (e.g., National General or other partner), so do not rely on legacy forms or prior years’ manuals. - Claims-only references online (including separate numbers for Imperial home/flood) suggest the brand may persist primarily as a servicing or legacy-claims platform; do not represent to insureds that Imperial is actively quoting new business unless your current market access explicitly confirms this and provides written underwriting parameters. Submission expectations (in absence of a public manual): - Submit new business only via the approved online portal or intermediary that currently offers Imperial; expect that fully completed applications, prior loss runs/CLUE, photos/inspections, and proof of updates (roof, plumbing, electrical, HVAC) may be required following contemporary homeowners standards. - Pre-bind clearance is recommended for any nonstandard risk characteristics (prior losses, protection class 9–10, coastal/wind exposure, older roofs, knob-and-tube/galvanized wiring, prior cancellations or non-renewals, vacancy, seasonal/secondary use, short‑term rentals, or business use). - Because no specific appetite is published, avoid binding or promising coverage on: • Severe or unmanaged CAT‑exposed property (windstorm, hurricane, flood, wildfire) without explicit underwriter approval. • Properties with unresolved prior losses, major unrepaired damage, or significant life-safety issues. • Non-owner-occupied dwellings, short-term rental/Airbnb, or mixed-use occupancies without confirmation these are permitted under the current program. Preferred / restricted classes (inferred, not official): - Assume any active homeowners program using Imperial capacity is likely to prefer: • Well-maintained, single-family dwellings; stable owner-occupants; standard construction; updated systems; no recent non-weather claims. • Properties in moderate-risk CAT territories with compliant roofs and acceptable distance to coast or brush fire exposure. - Treat the following as restricted or likely to require referral: • Coastal counties, high-wind or high-wildfire zones. • Properties over a certain age without documented system updates. • Prior cancellations/non-renewals for underwriting reasons. Broker / producer notes: - Since no official producer guide is public, rely on your general agency or wholesaler’s issued underwriting bulletins for this market. - If you see "Imperial Fire & Casualty" available in a rater but cannot access appetite documentation, request written underwriting criteria before marketing the program. - Do not reuse or circulate any legacy Imperial manuals you may have from prior years; treat them as obsolete until replaced by current program documents from your distribution partner. Because the carrier (or its book) has been absorbed into broader programs and no modern underwriting material is published, all detailed risk-selection and submission steps must be verified with your active Imperial market access rather than assumed from historical practice.