Markel Personal Lines
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 current official Markel personal lines marine pages show consumer-facing product and agent portal guidance rather than a detailed public underwriting appetite bulletin for personal watercraft. Current published focus is admitted personal lines marine business accessed through the MAGIC Personal Lines portal, with online quote/bind/service available to authorized agents. Preferred business appears to be recreational personal watercraft risks, specifically stock PWCs such as Jet Ski, Sea-Doo, and WaveRunner, with policies positioned for owner-operators seeking physical damage plus liability protection, including watersport use. Markel also publicly segments marine products by vessel type: boats up to 26 feet, yachts over 26 feet, and high-performance boats over 26 feet capable of 66 to 120 mph, indicating PWC submissions should stay within the personal watercraft recreational segment rather than be blended with larger yacht/high-performance classes. Publicly available product features suggest favorable consideration for experienced operators and cleaner accounts, with discounts for 5+ years boating experience, age 40+, multi-unit ownership, and loss-free years via diminishing deductible. No public page located with a formal list of declined or prohibited PWC classes, but the published FAQ specifically states there are no speed restrictions for stock PWCs, implying modified/non-stock performance risks are not affirmatively invited on the public page and should be clarified before submission. Geographic guidance is limited publicly; Markel states some states require minimum liability limits and some do not, and the producer registration flow includes Florida-specific licensing/solicitation questions, so state eligibility and licensing should be confirmed through the portal by jurisdiction. Submission/placement expectations: consumers can obtain a zip-code quote online or call a marine specialist; agents must be appointed with Markel personal lines to access MAGIC; agencies seeking appointment must meet a projected premium minimum, maintain a profitable book of business, and demonstrate strong knowledge in one of Markel’s target markets. New MAGIC user registration requires agency code/legal name, FEIN, producer NPN, DOB, licensing details, and background disclosures; supporting documents for adverse background answers are directed to agencyappointment@markel.com. Practical broker/producer note: use MAGIC for quote/bind/service on admitted personal marine business, and rely on internal marine resources after login for forms/endorsements/training because public-facing pages do not publish a detailed PWC underwriting appetite guide.