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
Official April 2025 underwriting guidance is published for agents. Loudoun Mutual writes only property risks in Virginia and distributes through independent agents. For commercial business, the public product page indicates a commercial property and premises-liability-only focus, targeting lessor's risks and harder-to-place property exposures, with common classes including office buildings, 12+ unit apartments, strip malls, short-term rentals, warehouses, fraternal organizations/clubs, and vacant buildings; it will also consider select unique occupancies such as woodworking shops, antique stores, restaurants, machine shops, gun shops, auto repair/service shops, cell towers, barbershops, and convenience stores. Commercial coverage may be written on replacement cost or ACV, basic or open perils depending on risk, with optional business income/loss of earnings, water/sewer backup, and equipment breakdown. The April 2025 underwriting bulletin states company approval is required before binding for risks with recent losses in the past 3 years, bankruptcy/foreclosure in the past 3 years, low-score/further-underwriting-required insurance scores, prior cancellation/declination/nonrenewal within 5 years, vacant/unoccupied risks, under-renovation risks, construction expected to exceed 6 months, properties within 5 miles of the Atlantic Ocean (10 miles for MasterGuard Homeowners), older 3-tab asphalt shingle roofs age 15+, stucco/EIFS, polybutylene plumbing, galvanized pipes, aluminum wiring, rolled/tar-and-rock/rubber/flat roofs unless like new, wood shake/copper/metal shingle/asbestos shingle roofs, isolated properties, underground oil tanks, asbestos siding, unrepaired prior damage, poor/hazardous condition, unusual design/use/ownership issues, and properties where market value is under 50% of replacement cost. Liability-related approval triggers include business conducted from premises, noncompliant pools, exterior stairs without handrails, elevated porches/decks without railings, unusual playground equipment, trampolines, more than 2 horses on homeowner/mobile homeowner programs, boarding equine, prior-bite dogs, certain aggressive breeds, exotic animals, short-term rentals with livestock on premises, unregistered farm trucks over 35,000 lbs, and farm operations with gross receipts over $1,000,000. Prohibited business includes any property outside Virginia, risks not recommended by the agent, ineligible program risks, woodstoves in attached garages, zip lines, liability limits above published manuals, certain student Form 4 risks unless the parent has a primary Loudoun policy, owner-as-general-contractor construction risks, premises with pit bulls or pit bull mixes, and brokered risks without prior company approval. Submission requirements: personal lines, farmowners, bed & breakfast, and house of worship are submitted through the online quoting/application system; farm or commercial applications not submitted online should be emailed to the assigned underwriter or newbusiness@loudounmutual.com. Agents must retain signed applications, provide dwelling/building photos or acceptable substitutes, use a replacement cost estimator for homeowners/farmowners/replacement cost dwelling forms, collect required down payment unless mortgagee billed or EFT, and upload supporting documents including appraisals or binders for scheduled personal property over $10,000 within 5 days of binding. Woodstove risks require a questionnaire and photo unless the agency participates in the Home Office Inspection Program. Binding authority maximums published in the April 2025 guide include $1,000,000 dwelling for homeowners/dwelling/farmowners and $1,000,000 any single building for commercial property; the May 2025 announcement separately notes the company maximum Coverage A is now $3,000,000 for homeowners, dwelling fire, and farmowners, but agent binding authority remains $1,000,000 so higher limits require company approval. Practical producer note: the underwriting guide emphasizes agent recommendation and pre-bind referral for exceptions, and states approved exception risks are generally written in the Standard tier and may be surcharged.