Maine Mutual Insurance Group (MMG Insurance)
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
Current published core underwriting guidance for MMG remains the November 2023 Commercial Lines Underwriting Guidelines PDF, which is still the active appetite reference as of April 2026. Preferred / target business - Commercial: Main-street, well-managed accounts with stable operations and favorable loss history in MMG’s core territories (ME, NH, VT, PA, VA and surrounding approved states). Emphasis on small to mid-size mercantile, office, professional, service, light manufacturing, contractors, and habitational (well-maintained 1–4 family and small apartment schedules) placed on a package or BOP basis. Risks with good housekeeping, updated utilities/roofs, and no uncorrected life-safety issues are preferred.([mmgins.com](https://www.mmgins.com/wp-content/uploads/2023/11/MMG-CL-Underwriting-Guidelines-2023.pdf?utm_source=openai)) - Personal lines: Standard to preferred homeowners (owner-occupied, good condition, acceptable protection class, no severe prior losses), and small boats/personal watercraft to mid-range power/sail with responsible operators and clean loss history, placed within normal coastal/cat aggregation guidelines per local state manuals. (Personal lines appetite is referenced generally in MMG marketing and agent materials rather than a standalone public PDF.)([iiav.com](https://www.iiav.com/wp-content/uploads/sites/35/2025/11/2025-IIAV-Users-Guide-Annual-Report.pdf?utm_source=openai)) - Workers’ Compensation: Offered through MMG’s partnership with Eastern Alliance as a companion to commercial package business; target is stable, well-run accounts that already fit MMG commercial appetite and can benefit from the MMG Re® captive structure.([mmgins.com](https://www.mmgins.com/mmg-eastern-alliance/?utm_source=openai)) Restricted or declined classes (commercial) The CL guidelines PDF outlines a typical regional standard-lines appetite with explicit restricted and declined categories. Operationally, producers should assume the following are restricted or out-of-appetite unless individually underwritten with prior approval: - High-hazard manufacturing or processing (chemical, explosives, heavy metal works, large wood products, etc.). - Primary habitational with poor maintenance, knob-and-tube or severely outdated wiring/plumbing, no hard-wired smoke protection, or significant prior fire or liability losses. - Bars/taverns, nightclubs, adult entertainment, cannabis, and other high-hazard liability classes. - Risks with significant open violations, known life-safety issues, or adverse occupancy (vacant, unprotected frame, or heavy public assembly) without robust mitigation. - Long-haul trucking or heavy truck fleets outside MMG’s published commercial auto appetite; auto with frequent or severe losses, poor MVRs, or uncorrected driver management issues is typically non-preferred. When in doubt, agents are expected to consult underwriting before marketing as MMG due to class, severity, or geographic concerns; unusual or borderline classes must be discussed with an underwriter and are often referred up for management review.([mmgins.com](https://www.mmgins.com/wp-content/uploads/2023/11/MMG-CL-Underwriting-Guidelines-2023.pdf?utm_source=openai)) Geographic notes - MMG’s primary operating footprint centers on Maine with expansion across New Hampshire, Vermont, Pennsylvania, and Virginia; other states, if written, are limited and must align with filed programs and local guidelines.([mmgins.com](https://www.mmgins.com/wp-content/uploads/2016/02/Personal-Lines-Lead-Underwriter-PA-1.18.17.pdf?utm_source=openai)) - Catastrophe-exposed coastal property (wind/hail, storm surge) is actively managed. Agents should expect tighter guidelines, possible wind/hail deductibles, and aggregation controls in coastal or high-severity convective storm zones. Placement of homes and boats/watercraft in these areas is subject to more restrictive underwriting and may require prior approval. Submission requirements / expectations - Commercial: Follow the CL Underwriting Guidelines for minimum submission standards. Typical complete submissions include: ACORD apps, detailed description of operations, 3–5 years of currently valued loss runs (where applicable), current/prior carrier information, property COPE details (construction, occupancy, protection, exposure), payroll/receipts/exposure bases, driver lists and vehicle schedules for auto, and any relevant supplemental applications. Incomplete submissions or those missing loss history may be pended or declined until sufficient information is provided.([mmgins.com](https://www.mmgins.com/wp-content/uploads/2023/11/MMG-CL-Underwriting-Guidelines-2023.pdf?utm_source=openai)) - Workers’ Compensation (Eastern Alliance): Agents must access the MMG–Eastern Alliance program materials (informational one-sheet, FAQ, and separate underwriting guidelines) and follow those instructions; comp is written on Eastern Alliance paper and must meet their underwriting and captive criteria but is only available to MMG-appointed agents as a complement to MMG commercial lines.([mmgins.com](https://www.mmgins.com/mmg-eastern-alliance/?utm_source=openai)) - Personal lines (Home/Boat): Agents are expected to follow MMG’s internal personal lines underwriting guidelines and ISO-based manuals referenced in job and agent materials, including review of applications, inspections, mapping, and claims information. Standard documentation includes completed applications, relevant photos/inspections as requested, and verification of updates for older homes or higher-limit dwellings.([mmgins.com](https://www.mmgins.com/wp-content/uploads/2016/02/Personal-Lines-Lead-Underwriter-PA-1.18.17.pdf?utm_source=openai)) Broker / producer notes - MMG positions itself as a regional carrier that values agent relationships and ease of doing business; agents are instructed to contact territory managers or underwriters for borderline or complex risks rather than forcing them through portal rating.([iiav.com](https://www.iiav.com/wp-content/uploads/sites/35/2025/11/2025-IIAV-Users-Guide-Annual-Report.pdf?utm_source=openai)) - All MMG appointed agents have access to the Eastern Alliance workers’ comp partnership, but this line is clearly segmented from core MMG underwriting and must be approached via the provided program materials.([mmgins.com](https://www.mmgins.com/mmg-eastern-alliance/?utm_source=openai)) - Complex or unusual risks in personal or commercial lines that exceed standard underwriter authority are escalated to senior underwriters or management; agents should anticipate additional underwriting questions, inspections, or recommendations for risk improvements as a condition of binding or renewal.([mmgins.com](https://www.mmgins.com/wp-content/uploads/2016/02/Personal-Lines-Lead-Underwriter-PA-1.18.17.pdf?utm_source=openai)) Operationally, use the November 2023 Commercial Lines Underwriting Guidelines PDF as the primary appetite and rule reference for commercial submissions, layer in Eastern Alliance materials for workers’ comp, and rely on state manuals and MMG’s internal personal lines guidelines for homeowners and watercraft. No newer public appetite or underwriting PDF has superseded the November 2023 CL guide as of April 2026.