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
Verified official commercial underwriting guidance remains published in MMG’s November 2023 Commercial Lines Underwriting Guidelines PDF. MMG distributes through the independent agency system and states a five-state operating footprint: Maine, New Hampshire, Pennsylvania, Vermont, and Virginia. The guide is primarily a small commercial appetite/resource for BOP, selected light manufacturing, special trade contractors, commercial auto, and companion workers’ compensation via Eastern Alliance. General underwriting notes: protection classes 1-8 are acceptable; PC 9 is acceptable up to $750,000 TIV and refer above that; PC 10 is ineligible. Blanket limits are available when cost estimators are completed on all buildings, insured-to-value is maintained, and annual statements of values are provided. Felony conviction and bankruptcy are ineligible. Coastal business within 1 mile of the coast must be referred, and approved risks within 2,500 feet of the coast require at least a $2,500 deductible. Startup guidance is included with a quick-reference section indicating some startup business may be considered depending on class. Preferred/eligible business includes many main-street mercantile, office, service, and habitational-type BOP classes; examples shown as eligible include offices, many retail stores, sandwich shops with UL300 wet system if frying/grilling, grocery/general retail, museums, optical goods, and selected hotels. Manufacturing appetite is selective and generally light manufacturing, commonly with $4M property / $5M sales parameters; examples listed as eligible include book publishing, candy/chocolate products, clothing excluding children’s, commercial bakeries, electrical parts/components, dry food products, jams/jellies, jewelry, machine shops, metal goods, shelving/furniture assembly, shoe manufacturing, sign manufacturing-electrical, telecom equipment, tool and die, and water bottling (spring/well, not sparkling). Special trade contractor appetite is also selective, generally around $3M property / $5M receipts, with eligible examples including carpet cleaning, carpet/floor installation with no gym floors, residential/light commercial electricians with no heavy industrial/manufacturing or power-line work, excavation with 3 years in business and no blasting/demolition/public road work, fence installation excluding roadside/guardrail, appliance repair, interior decorating, locksmith, and plumbing residential/light commercial with no sprinkler work. Restricted/refer examples include rental exposures for some building material/hardware classes; 24-hour operations ineligible for certain store classes; liquor liability available only when receipts are under 30% for certain risks; no guns or ammunition for certain mercantile classes; hotels require a supplemental questionnaire, with national chains acceptable and budget motel types declined; veterinarians are written as office occupancy with professional liability/animal floater available, but no large-animal specialists and referral required; funeral homes refer if crematory; dry cleaners are only eligible as receiving stations. Manufacturing restrictions repeatedly include no medical, automobile, or aviation type products and no electroplating or powder coating for several metal/machining classes; some classes are refer or not eligible, including ceramic wall/floor tile manufacturing, concrete forms/products, cutlery, and some kitchen utensil manufacturing. Contractor declines/restrictions shown include no pole work or horizontal drilling for cable/telephone work; carpentry must have 3 years in business, no handyman operations, no spray foam/cellulose insulation, and subcontracting capped at 35%; no basement waterproofing for concrete construction; drywall is not eligible if Chinese drywall exposure; glaziers not eligible; janitorial, landscaping with no arborist work, masonry over one-story load-bearing walls, plastering/stucco with no EIFS, sign painting, and tile/stone work are referral classes; exterior painting is not eligible; septic tank cleaning and siding installation are not eligible. Commercial auto guidance shown in the PDF includes driver acceptability limits: no major violations in the past 5 years for any driver; for drivers age 25+, no more than 1 at-fault accident in 3 years, 1 moving violation in 12 months or 2 in 3 years, and 1 accident/violation in 12 months or 2 in 3 years combined; for drivers under 25, no at-fault accidents in 3 years, no more than 1 moving violation in 3 years, and no more than 1 accident/violation in 3 years combined. Major violations listed include DUI/drug impairment, reckless driving, distracted driving, suspended license, hit-and-run, eluding police, passing a stopped school bus, and similar serious offenses. Additional auto notes: no dump trucks hauling for hire; loaner vehicles are eligible for garages; courtesy vans are eligible for hotels; snow plowing is acceptable only for residential and small commercial lots, not streets/roads or large parking lots; monoline auto is available by referral. Producer/broker notes: MMG highlights its Agency Portal (MaineGate) for quoting/access, offers Eastern Alliance workers’ compensation quoting through the portal, notes companion workers’ compensation availability in all MMG states, and instructs agents to contact their assigned underwriter if portal pricing is not competitive. The guide also references portfolio credits and IRPM flexibility for online-rated business.