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-facing commercial guidance is limited and is centered on Massachusetts small business. MAPFRE’s official business insurance page indicates Massachusetts availability for commercial auto, business owner’s insurance, commercial package, and umbrella, with enhancement endorsements. Preferred/target small business classes specifically listed include habitational risks such as apartments, townhouses, residential and commercial condominium associations, and building owners; contractors such as electricians, landscapers, painters, masons, tile installers, plumbers, HVAC, and septic tank cleaning/repair; retail such as appliance, clothing, home furnishing, convenience, and gift stores; service businesses such as barbers, beauty/nail salons, florists, photographers, tailors, and funeral homes; restaurants including coffee shops, diners, family restaurants, fine dining, ice cream, and pizza shops; and office risks including accounting, bookkeeping, engineers, architects, lawyers, medical offices, real estate offices, and veterinarians. Commercial auto highlights also show appetite for construction, sand and gravel, towing, auto repair, mobile equipment, trade contractors, snow plowing, private passenger vehicles used in business, and trash removal/recycling. Publicly available guidance does not provide a formal decline list or detailed restricted classes, so no verified official declination matrix was found; however, appetite appears focused on small to mid-sized Massachusetts risks in the classes named above rather than broad national commercial lines. Geographic note: the business insurance page is explicitly Massachusetts-focused, while the underwriting-companies page shows Mapfre Insurance Company active in AZ, CA, and PA, but that page is entity/state activity information and not a commercial appetite guide. Submission/broker notes: MAPFRE distributes through independent agents; insureds are directed to find a Massachusetts agent for business coverage. No public online bind authority or submission checklist was verified. The site terms state submissions through the website are requests for information only and coverage is not bound unless a written binder is issued by MAPFRE or a MAPFRE independent agent. For ongoing commercial business servicing, the FAQ page provides a Commercial Lines premium audit contact at premaudit@mapfreusa.com and 855-648-7200, Monday-Friday 8:00 a.m.-4:30 p.m. A producer/agent portal is verified, but detailed underwriting/appetite content appears access-restricted behind agent login, so no further official public broker submission requirements could be confirmed.