Jackson Sumner & Associates, Inc
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
Operational role: Jackson Sumner & Associates (JSA) is an excess & surplus/MGA wholesaler placing property, casualty, auto/garage, professional, cyber, workers comp and personal lines business for retail agents in the Southeast. Retail agents must be approved as JSA brokers before submitting or binding. Preferred business / target profile: - Non‑standard, hard‑to‑place or E&S‑type risks that standard carriers will not accommodate, across commercial P&C, auto/garage, professional and personal lines. - Wide appetite across small and middle‑market risks using JSA’s own programs and partner carriers, including but not limited to artisan contractors GL, HO‑3 in NC/VA, personal umbrella, small commercial auto, and garage dealers/service risks, as highlighted on the homepage promotions. - Retail agents using JSA’s online quoters and applications for faster turnaround; many classes can be preliminarily quoted by phone with minimal information. Geographic scope: - JSA clearly states it only works with agencies located in NC, SC, VA, TN, GA, and MD. Agencies must have retail offices and appropriate resident/non‑resident licenses for those states; JSA does not work directly with insureds or with agencies outside this footprint.([jsausa.com](https://www.jsausa.com/site/quote-online/write-business-with-jsa/)) Restricted / declined business (inferred): - JSA is an intermediary, so absolute declinations depend on underlying carriers; no public, line‑by‑line restricted‑class list is posted. - Business from agencies not based in NC, SC, VA, TN, GA, or MD is not accepted. - Direct‑to‑consumer inquiries are not written; JSA only works through properly licensed retail insurance offices approved by JSA.([jsausa.com](https://www.jsausa.com/)) Broker/producer setup requirements: - New brokers must: - Complete and sign the JSA Producer Agreement. - Complete and sign the Agency Information Form. - Carry E&O with minimum limits of $1,000,000. - Be properly licensed in their state. - Provide a W‑9. - Once documents and E&O are received and approved, JSA assigns an agency broker number. JSA explicitly notes it does not appoint brokers (non‑appointed surplus lines broker model). - JSA only offers its programs to properly licensed retail insurance offices that have been approved by JSA.([jsausa.com](https://www.jsausa.com/site/quote-online/write-business-with-jsa/)) Submission process & documentation: - Quoting options (all encouraged): - Telephone: many classes can be quoted based on a call; JSA recommends calling before sending apps to potentially receive an immediate verbal quote. - Online: JSA provides multiple online quoters by product line; agents follow program‑specific instructions and submit for binding approval online. - Email: centralized submission email (submit@jsausa.com) referenced on the Upload a Submission page for sending completed applications. - Fax: submissions can be faxed to 1‑828‑262‑0754. - Postal mail: submissions can be mailed to JSA’s Boone, NC service center. - For risks where completed applications are required, agents should: - Complete relevant carrier/JSA applications from the Insurance Application library. - Upload via the “Upload a Submission” form, email, fax, or mail. - Expect a confirmation of receipt and identification of the assigned underwriter.([jsausa.com](https://www.jsausa.com/site/about-us/what-we-do/?utm_source=openai)) Service expectations & agent notes: - JSA emphasizes quick, efficient, friendly service, with a stated goal of quoting most submissions within 24 hours and issuing policy documents in approximately 24 hours once bound, subject to underwriting.([jsausa.com](https://www.jsausa.com/site/about-us/what-we-do/?utm_source=openai)) - Agents are encouraged to call when they “don’t know what to do with” a risk; JSA markets its underwriters’ willingness to discuss gray‑area or hard‑to‑place accounts. - The site highlights high market availability and a broad product list, implying that appetite and pricing are primarily driven by underlying carrier programs; specific target or prohibited classes should therefore be confirmed with the assigned underwriter on a case‑by‑case basis. Practical broker instructions: - Confirm your agency is in NC, SC, VA, TN, GA, or MD and obtain approval as a JSA broker (Producer Agreement + Agency Info Form + E&O + W‑9) before submitting new business. - Use JSA’s online quoters where available; for non‑standard or nuanced risks, call the appropriate underwriting team first to gauge appetite. - For fully developed submissions, attach completed applications and send via the Upload a Submission portal, email (submit@jsausa.com) or fax, and wait for JSA’s confirmation naming the handling underwriter. - For claims, report either through the JSA claims portal/email or directly to carriers using JSA’s claim contact directory; JSA’s claim specialist can assist with routing.([jsausa.com](https://www.jsausa.com/site/quote-online/report-a-claim/?utm_source=openai)) Note: JSA does not publish a public, detailed class‑by‑class underwriting guide; appetite and restrictions are primarily communicated through product‑specific marketing, applications, and direct underwriter contact.