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 scope / geography: • JSA is an MGA/E&S wholesaler. Programs on the website are only available to properly licensed retail insurance offices approved by JSA.([jsausa.com](https://www.jsausa.com/site/quote-online/write-business-with-jsa/)) • JSA only works with agencies located in NC, SC, VA, TN, GA, and MD. Retail agencies and insured risks should generally be within this core Southeast footprint unless otherwise approved via Brokerage Division.([jsausa.com](https://www.jsausa.com/site/quote-online/write-business-with-jsa/)) Broker/producer setup requirements: • New retail brokers must complete and sign the JSA Producer Agreement and Agency Information Form, carry E&O with minimum limits of $1,000,000, be properly licensed in their state, and provide a W‑9.([jsausa.com](https://www.jsausa.com/site/quote-online/write-business-with-jsa/)) • A broker number is assigned once documents and E&O are submitted, reviewed, and approved. JSA does not appoint brokers (no carrier appointments are created through JSA).([jsausa.com](https://www.jsausa.com/site/quote-online/write-business-with-jsa/)) • If unsure whether the agency is set up, contact JSA at 800‑342‑5572 or email the listed marketing contact (currently Grace Brown) for assistance.([jsausa.com](https://www.jsausa.com/site/quote-online/write-business-with-jsa/)) • Programs are only accessible to properly licensed retail offices that have been approved by JSA; direct‑to‑consumer submissions are not accepted.([jsausa.com](https://www.jsausa.com/site/quote-online/write-business-with-jsa/)) Submission & workflow expectations: • Business is written via JSA’s ONLINE QUOTERS for many standard E&S programs (Commercial P&C, Commercial Auto, Garage, Flood, Workers Comp, Professional Liability, Cyber, and a broad range of personal lines) or via upload of submissions through the “Upload a Submission” agency‑services tool.([jsausa.com](https://www.jsausa.com/site/quote-online/write-business-with-jsa/)) • Retail agents should use the P&C and Transportation "Quicker Quote Checklists" to ensure submissions are complete and ready for underwriting (key risk details, loss history, supplemental apps, etc.), which speeds quoting and reduces clearance/underwriter back‑and‑forth.([jsausa.com](https://www.jsausa.com/site/agency-marketing-resources/)) • Applications and program‑specific supplements are accessed through the "Applications" menu or via links in the Agency Marketing Resources page; each peak program (e.g., Service Garage, Dealer Garage, LRO, Contractors, Restaurants/Bars/Taverns) has its own flyer outlining target classes and coverage options, which should be referenced when preparing accounts.([jsausa.com](https://www.jsausa.com/site/agency-marketing-resources/)) • Loss runs and certificates are requested through dedicated agency‑services tools (“Request Loss Runs” and “Request Certificate”), and endorsements or cancellations are handled via the corresponding online service forms; use these instead of email where possible for cleaner processing.([jsausa.com](https://www.jsausa.com/site/quote-online/write-business-with-jsa/)) Products and target business (high level): • Commercial Auto / Transportation: Written through JSA’s Commercial Auto and Transportation team with an online quicker‑quote checklist. Target risks highlighted in marketing materials and hit lists include service garages, dealer garages, mobile concessions, and various transportation‑adjacent risks; underwriters expect full vehicle schedules, driver information, and loss runs per the Transportation Quicker Quote Checklist.([jsausa.com](https://www.jsausa.com/site/agency-marketing-resources/)) • Garage (Service & Dealers): Dedicated Service Garage and Dealer Garage "Peak" programs appear as customizable flyers in Agency Marketing Resources, indicating actively marketed appetite for service shops and dealer operations. These are typically placed in E&S markets requiring supplemental garage apps, full operator lists, and comprehensive GL/garage liability details.([jsausa.com](https://www.jsausa.com/site/agency-marketing-resources/)) • Workers Comp: Separate Workers Comp team and online product section; appetite is primarily for small‑to‑middle‑market comp business routed through appointed comp carriers. Agents should be prepared to provide full class codes, payrolls by state, FEIN, and 3–5 years of loss runs, guided by the P&C or Transportation checklists where applicable.([jsausa.com](https://www.jsausa.com/site/quote-online/write-business-with-jsa/)) • Professional Liability & Cyber: Dedicated Professional Liability and Cyber menu items show that JSA offers miscellaneous E&O, allied professional, and cyber for small to mid‑sized accounts. Submissions should include completed supplemental applications and details on operations, revenues, and claims; many small to mid risks can be started in the online quoters, with Brokerage Division handling larger or non‑standard exposures.([jsausa.com](https://www.jsausa.com/site/quote-online/write-business-with-jsa/)) • Commercial Property & Casualty / LRO: JSA offers Commercial P&C and an LRO (Lessor’s Risk Only) Peak Program, with marketing flyers for LRO, contractors, convenience stores, and restaurants/bars/taverns, indicating active appetite for these classes on a package or monoline basis depending on carrier. Expect to provide building details, protection class, occupancy, and complete GL rating information.([jsausa.com](https://www.jsausa.com/site/agency-marketing-resources/)) • Flood – Primary & Excess: Flood Programs flyer covers commercial and residential flood offerings, signaling appetite for both standard and E&S flood placements, including excess limits where needed. Underwriting will require elevation/flood zone information and building characteristics.([jsausa.com](https://www.jsausa.com/site/agency-marketing-resources/)) • Personal Lines: Extensive personal lines offerings include high‑value homeowners, standard homeowners, manufactured/mobile homes, dwelling fire, personal umbrella and excess, personal articles/collections, contents in mini‑storage, personal premises and comprehensive personal liability, and in‑home business programs. The custom flyers highlight target "peak" personal risks, generally within admitted or E&S frameworks depending on carrier and risk characteristics.([jsausa.com](https://www.jsausa.com/site/agency-marketing-resources/)) • Brokerage Division: JSA Brokerage Division and its Hit List are marketed as a solution for larger, more complex, or non‑standard risks not eligible for standard online quoters, using broader E&S carrier relationships and manuscript solutions. Retail agents should route unusual or hard‑to‑place accounts here with full underwriting submissions.([jsausa.com](https://www.jsausa.com/site/agency-marketing-resources/)) Preferred vs. restricted/declined (inferred from marketing focus): • Preferred classes (as signaled by Peak Program flyers and hit lists) include: LRO/lessor’s risk, service and dealer garages, convenience stores, commercial and residential contractors, restaurants, bars and taverns, mobile concessions, high‑value homeowners, manufactured homes, inland marine (select schedules), personal umbrella, dwelling fire, home health care, and standard to moderately complex transportation accounts placed via the Transportation team.([jsausa.com](https://www.jsausa.com/site/agency-marketing-resources/)) • Restricted/declined: JSA does not provide an explicit public "do not write" list on the main site. As an E&S wholesaler, they are open to non‑standard risks, but heavily distressed exposures, unsupported lines outside listed states, and risks incompatible with carrier guidelines (e.g., severe loss history, poor maintenance, certain heavy‑hazard operations) are typically declined or written only through Brokerage Division, subject to detailed underwriting review. This is inferred from standard E&S practice and the absence of such risks in publicly promoted programs. Broker/producer notes: • JSA positions itself as an E&S partner for retail agents, not the retail agent of record: all correspondence and policies flow through the retail agency.([jsausa.com](https://www.jsausa.com/site/ask-jsa-how-do-i-write-with-you/?utm_source=openai)) • Retail agents are encouraged to leverage JSA’s Agency Marketing Resources (customizable flyers, welcome packet, hit lists and checklists) to market programs to their own clients while keeping JSA’s role as the wholesaler.([jsausa.com](https://www.jsausa.com/site/agency-marketing-resources/)) • JSA is a WSIA member MGA, and markets itself as offering underwriting, quoting, and policy‑issuing authority with multiple E&S carriers; agents should expect JSA to follow carrier‑specific guidelines and may be asked for additional information or supplements based on the chosen market.([jsausa.com](https://www.jsausa.com/site/quote-online/write-business-with-jsa/))