IMT Insurance Group (Wadena 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
Verified current guidance is limited and state-specific rather than a full public appetite guide. For Minnesota/Wadena business, IMT publicly states it has reset strategy in Minnesota and is focused on underwriting Commercial Lines casualty products while pausing property-based risks; it also says additional underwriting revisions apply to non-habitational property-based opportunities. That makes casualty-oriented commercial submissions the clearest current fit in Minnesota, while new property-driven commercial risks should be treated as highly restricted and likely not open without agent confirmation. IMT remains licensed in Minnesota and says certain products continue to be available, but directs prospects to connect with an IMT independent agent for availability and quoting. Public product pages confirm broader commercial offerings across the group, including Commercial Auto, BOP, General Liability, Commercial Property, Workers’ Compensation, and Commercial Umbrella, plus personal lines such as Home-related products; however, no public class-by-class eligibility, occupancy list, coastal/watercraft appetite, or explicit declination schedule was found on the official site. Commercial Property materials are coverage-oriented only and do not override the Minnesota reset notice. Submission expectations appear agent-driven: business is offered through independent agencies, quotes and product access are routed through a local IMT agent, and no public broker upload, minimum data set, or standalone producer appetite portal was verified. Broker/producer note: treat Minnesota property opportunities—especially non-habitational/property-based risks—as subject to current pause/restriction, confirm availability with IMT before marketing, and position casualty-led commercial accounts as the most aligned public appetite. Wadena remains under the IMT brand, but Wadena Insurance Company policies continue to be underwritten by Wadena Insurance Company.