Mapfre 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
Verified public guidance is limited and is primarily marketing-level rather than a formal underwriting/appetite manual. MAPFRE publicly positions its small business/commercial offering in Massachusetts, with competitive availability for commercial auto, business owner’s insurance, commercial package, and umbrella policies, plus enhancement endorsements. Preferred small-to-mid-sized Massachusetts business classes specifically listed include habitational risks (apartments, townhouses, residential and commercial condominium associations, building owners), contractors (electricians, landscapers, painters, masonry, tile installation, plumbers, HVAC, septic tank cleaning/repair), retail (appliance, clothing, home furnishing, convenience, gift shops), service businesses (barbers, beauty and nail salons, florists, photographers, tailors, funeral homes), restaurants (coffee shops, diners, family restaurants, fine dining, ice cream shops, pizza shops), and office/professional risks (accounting, bookkeeping, engineers, architects, lawyers, medical offices, real estate offices, veterinarians). Commercial auto target uses specifically listed include construction, sand and gravel, towing, auto repair, mobile equipment, trade contractors, snow plowing, private passenger vehicles used in business, and trash removal/recycling. Publicly referenced optional/enhancement coverages include cyber, D&O, professional liability, snowplow, liquor liability, and umbrella for eligible businesses. Geographic note: the verified business insurance page is Massachusetts-specific; MAPFRE states products are not available in all states, so commercial appetite should be treated as MA-focused unless confirmed through the agent portal. No public official page was found that clearly lists declined, prohibited, or restricted classes; absence of a class from the webpage should not be interpreted as acceptance. Submission/producer guidance visible publicly is light: MAPFRE directs business through independent agents, provides an agent locator and agent portal, and states no coverage is bound until an application is submitted and accepted. Broker/producer operational note: use the agent portal for placement activity and confirm class/state eligibility, umbrella eligibility, and any class restrictions not disclosed on the public site before quoting or binding. For existing commercial business, MAPFRE publishes a commercial lines premium audit contact: premaudit@mapfreusa.com and 855-648-7200.