Loudoun Mutual 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
Virginia-focused mutual insurer distributed through independent agents. Public-facing materials confirm it writes property business throughout the Commonwealth of Virginia and markets homeowners for owner-occupied residences, commercial property/premises liability, plus farmowners, rental property, mobile home, umbrella, bed & breakfast, and house of worship products. For Home, current published underwriting changes indicate company approval is required before binding for standard 3-tab asphalt shingle roofs age 15+ years; roofs 15-19 years require at least ACV roof terms and/or a higher deductible, and roofs 20+ require a roof exclusion via underwriting. Company approval is also required for properties with wood shake, copper, metal shingle, or asbestos shingle roofs, and for short-term rentals with livestock on the same premises. Maximum Coverage A is published at $3,000,000 for Homeowners, Dwelling Fire, and Farmowners, but agent binding authority remains capped at Coverage A $1,000,000, so risks above that threshold need company approval. A 1/1/2025 change caps the multi-policy discount on umbrella-related accounts at $350 for homeowners and $500 for farmowners. For Commercial Property, Loudoun Mutual specifically targets lessor's risk and commercial property/premises liability only exposures, including hard-to-place property risks where the agent can place CGL elsewhere. Preferred/common classes publicly listed include office buildings, apartment buildings with 12+ units, strip malls/multi-use buildings, short-term rentals, warehouses, fraternal organizations/clubs, and vacant buildings. It also says it will consider more unusual classes such as woodworking shops, antique stores, restaurants, machine shops, gun shops, auto repair/service shops, cell towers, barber shops, and convenience stores. Coverage options publicly noted include replacement cost or ACV, basic perils or open perils depending on risk, business income/loss of earnings, water/sewer backup, and equipment breakdown. Producer notes: agent resources and the full underwriting manual/forms are housed behind the For Our Agents / Agent Login area, so detailed class-by-class declines, submission checklists, and manuals were not publicly verifiable. Public guidance directs agents to contact an underwriter for certain roof exclusions and indicates business is written through Loudoun Mutual's independent agency network rather than direct submission.