Leader National
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
No current, public-facing underwriting or appetite guide is published under the Leader National name. Regulatory and corporate records indicate that Leader National Insurance Company is an Ohio-domiciled P&C carrier (NAIC 11738) that has undergone renaming and is now operating under Infinity/related Kemper branding rather than as a marketed standalone "Leader National" carrier. As such, there is no distinct, up‑to‑date Leader National producer, appetite, or submission guidance separate from the Infinity/Kemper auto platform. Operationally, where Leader National remains on paper it functions as a back‑end legal entity for personal and/or commercial auto and general P&C authority (auto liability and physical damage, property, inland marine, liability, workers compensation, etc.) rather than as a fronting retail brand. Retail underwriting, target risk definitions, and submission workflows are controlled at the group/platform level (Infinity/Kemper) and not by a dedicated Leader National underwriting manual. Preferred business: No explicit, separate "Leader National" preferred classes are published. For practical purposes, producers should treat any legacy Leader National policies or paper as subject to the current Infinity/Kemper auto and P&C eligibility, pricing, and risk‑selection rules in the applicable state programs. Restricted/declined classes: No public list of restricted/declined classes is maintained under the Leader National name. Apply the group’s current program guides for non‑standard auto and any state‑filed underwriting rules; high‑risk, specialty, or non‑core classes may be written on other Kemper/affiliate entities rather than Leader National. Geographic notes: Regulatory filings show multi‑state authority (including New York and other U.S. jurisdictions), but availability is entirely program‑driven. Do not assume that new business can be placed on Leader National paper in any given state; follow current Infinity/Kemper product filings and system indications instead of the historical Leader National footprint. Submission requirements: No standalone Leader National producer portal or submission instructions are published. Submissions, endorsements, and renewals are handled through the group’s standard distribution channels and platforms (e.g., Infinity/Kemper agency portals, comparative raters, or general agency systems). Use current group appetite tools and state program manuals; there is no separate Leader National submission workflow. Broker/producer notes: Treat Leader National as legacy paper within the Kemper/Infinity structure. Do not market products as "Leader National" or promise placement on that specific entity; bind using whichever Kemper/affiliate carrier the rating/underwriting system selects. For any in‑force Leader National policies, service them per current Kemper/Infinity service and underwriting guidelines and confirm acceptable classes, coverage changes, and state availability with your usual company underwriter or marketing contact, since no public, carrier‑specific underwriting bulletin exists for Leader National itself.