Indiana 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
Encova/Indiana Insurance Company’s verified public commercial guidance is housed under Encova. For larger middle market/strategic accounts, Encova’s Strategic Accounts flyer remains the clearest official appetite document: it targets large and complex property/casualty risks, typically accounts generating more than $250,000 premium in a single line excluding workers’ compensation, and it can consider package or monoline placements. The flyer lists target classes including retail stores, restaurants/eating establishments, service businesses, wood products manufacturing, furniture manufacturing, machinery/equipment dealers with installation/service/repair (except farm or construction equipment), and non-structural metal goods processing/manufacturing/stamping. Encova states it prefers to couple workers’ compensation with broader commercial lines placements, although property/casualty without workers’ compensation may still be considered. Strategic Accounts products can include guaranteed cost through ISO deductibles up to $100,000, and higher deductibles may require collateral support. Publicly stated restricted/declined appetite includes transportation of bulk propane or chemicals, high-hazard construction operations, pharmaceutical or chemical manufacturers, aviation or aerospace products, for-hire trucking, and towing operations; limited long-haul auto may be entertained only for otherwise acceptable fleets primarily hauling the insured’s own goods. Geography is filing-driven: the strategic accounts flyer says business is limited to states where Encova has approved/accepted commercial filings, with an expanding footprint; Encova’s broader public site says it operates across 27 states and Washington, D.C., and workers’ compensation is actively written in listed states with capability for national solutions. For small business/package business, Encova publicly highlights more than 300 eligible package classes with preferred concentrations in retail, offices, artisan contractors and restaurants. Specifically named package sweet spots include automobile parts/supplies, beverage stores, clothing/gift stores, grocery/health/natural food stores, home furnishing/gardening supply, accounting/payroll services, law offices, medical offices, real estate/title agents, lessor’s risk, electrical, drywall, fence erection, floor covering installation, fine dining, family-style, delis/diners/cafes/coffee shops, ice cream/frozen yogurt, and pizza/takeout. Encova also states it writes all lines of business in industries such as auto repair shops, manufacturing, retail/services, restaurants, wholesalers/distributors, dealers (auto/equipment/implement/power shops), physicians/dental offices, specialty trade contractors, and lessor’s risk. For workers’ compensation, Encova positions itself as an active writer from small business through large accounts, offering guaranteed cost, small/intermediate/large deductibles, retrospective rating, dividends, broad form coverage and employers liability, with dedicated return-to-work, claims, safety and loss-prevention support. Commercial umbrella public guidance is product-level rather than appetite-specific: it is excess over underlying business policies and intended for catastrophic loss protection; no separate public class appetite was verified on the carrier site. Submission and producer notes: for Strategic Accounts prequalification or qualifying large-account submissions, Encova instructs producers to send electronic submissions to strategic.accounts@encova.com and notes eastern and western underwriting contacts on the flyer. Encova’s service guidance says commercial policy changes/endorsements should go through Encova Edge, with large endorsement requests to revisions@encova.com; broker-of-record requests go to the policy underwriter/agencyservices@encova.com, and workers’ compensation BOR requests go to agencyservices@encova.com. Encova also indicates agents can seek appointment through its get-appointed form, and references a small business appetite guide and service center, but no standalone public small business appetite PDF was directly verified from the official site during this refresh.