Kemper Auto
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
Scope / current posture - Kemper exited the **preferred home and auto** market effective August 7, 2023; all preferred personal auto is in runoff. Current focus is specialty / non‑standard personal auto (Kemper Auto).([investors.kemper.com](https://investors.kemper.com/news/news-details/2023/Kemper-Announces-Exit-from-Preferred-Home-and-Auto-Business/default.aspx?utm_source=openai)) Preferred / target business (specialty auto) - Personal auto where the driver or risk profile does not qualify for standard/preferred markets, including: - Drivers with violations, at‑fault accidents, or lapse in prior insurance. - Financially stressed or credit‑impaired insureds where nonstandard pricing is needed. - State minimum or near‑minimum liability limits and basic physical damage options. - Primary private passenger use (commute/pleasure) with vehicles garaged in approved states where Kemper Auto is actively writing. - Business is generally written through appointed non‑standard auto agents and agencies; Kemper emphasizes underwriting discipline and pricing segmentation in selected markets.([bankrate.com](https://www.bankrate.com/insurance/reviews/kemper/?utm_source=openai)) Restricted / higher‑scrutiny risks - Risks in states with **tight rate regulation and high loss trends** (e.g., California and certain large urban markets) are closely managed; Kemper notes regulatory and inflation pressure on loss costs and may restrict new writings or rely heavily on rate adequacy reviews before growth.([dcfmodeling.com](https://www.dcfmodeling.com/products/kmpr-swot-analysis?utm_source=openai)) - Higher‑limit liability, youthful operators, and prior serious violations are typically acceptable only at appropriate surcharge levels and may be capped or limited by state program. - Any risk outside current program/filing in a state, or in a territory where Kemper has reduced writings following the preferred exit, generally requires underwriting review before binding. Commonly declined / ineligible - Standard or preferred auto business that can be placed with traditional carriers (Kemper has broadly exited this segment). - New preferred home or auto submissions under the discontinued Kemper Personal Insurance brand. - Risks that fail nonstandard program rules in a given state (e.g., excessive major violations, certain fraud or misrepresentation indicators, unacceptable vehicle types, or disallowed commercial use); these are referenced in internal Auto Underwriting Guidelines distributed to agents but not published as a public class list.([ekemper.com](https://www.ekemper.com/Enterprise_Email/New%20Agent%20Training%20-%20Compilation%20%2810-18-19%29.pdf?utm_source=openai)) Geographic notes - Kemper writes specialty auto only in **selected states**; availability and appetite are state‑specific and may be reduced or closed in some jurisdictions following the exit from preferred personal lines. - Management and external analyses highlight particular regulatory and loss‑cost stress in large states like **California**, contributing to tighter underwriting and rate‑filing focus there.([dcfmodeling.com](https://www.dcfmodeling.com/products/kmpr-swot-analysis?utm_source=openai)) Submission / binding expectations (agent‑facing operational notes) - Business is submitted and issued through Kemper’s agent platforms; agents must follow state program manuals and Auto Underwriting Guidelines, which define ineligible exposures and documentation standards (e.g., proof of prior insurance, driver information, garaging address, and any required state selection/rejection forms).([ekemper.com](https://www.ekemper.com/Enterprise_Email/New%20Agent%20Training%20-%20Compilation%20%2810-18-19%29.pdf?utm_source=openai)) - Underwriting support is available for **risk appetite questions, wildfire or other risk reviews, and re‑evaluation of underwriting decisions**; agents are directed to contact the underwriting line listed in the company directory for binding‑level questions or to seek exceptions where allowed.([ekemper.com](https://www.ekemper.com/Enterprise_Email/Company%20directory%2C%20updated%2C%201-2016.pdf?utm_source=openai)) - State‑specific selection/rejection forms (e.g., UM/UIM, PIP, optional coverages) are routed to Kemper’s agent processing center by fax/email as indicated in the directory; adherence to these procedures is required for clean policy issuance and audit.([ekemper.com](https://www.ekemper.com/Enterprise_Email/Company%20directory%2C%20updated%2C%201-2016.pdf?utm_source=openai)) Broker / producer instructions - New business should be written only in active Kemper Auto programs; producers should not submit new preferred home/auto under the discontinued personal insurance segment. - Agents are expected to use current Kemper Auto manuals and bulletins for state‑level eligibility and rate/program changes; the company stresses maintaining underwriting discipline, suitable pricing segmentation, and focusing on selected markets rather than broad national growth.([sec.gov](https://www.sec.gov/Archives/edgar/data/860748/000086074825000053/kmpr-20241231.htm?utm_source=openai)) Note: Kemper’s detailed class‑by‑class auto eligibility (vehicle types, prohibited uses, max points/violations, etc.) now appears to be distributed via secure producer manuals and training PDFs rather than a public appetite sheet; agents should refer to the most recent Kemper Auto state manual and Auto Underwriting Guidelines on the producer portal for binding rules and prohibited risk lists.