Maryland Auto 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
Maryland Auto’s published producer-facing guidance is oriented to non-standard auto business in Maryland rather than a detailed public commercial auto appetite grid. For Commercial Auto, the clearest current positioning is that Maryland Auto serves insureds that have difficulty obtaining coverage in the standard market, including risks canceled or denied elsewhere, and offers higher liability limits for eligible vehicles. Published liability options include split limits from $30K/$60K/$15K up to $100K/$300K/$100K and combined single limits of $500K, $750K, and $1M. Practical fit: Maryland-based non-standard commercial auto accounts needing statutory or contract-driven liability limits and access through an authorized producer. Geographic note: business is Maryland-focused; producer materials repeatedly reference helping Maryland residents and Maryland producer licensing/bonding requirements. Publicly available restrictions are limited, but Maryland Auto’s producer system guidance indicates regular commercial ePolicy quoting excludes Sedans, Taxis, Publics, Garages, Trucker Policies, Driver Training Schools, and vehicles over 26,000 lbs from that streamlined workflow, implying those classes may require manual handling or separate underwriting review rather than straight-through processing. Submission/producer requirements: producers must become authorized, complete Maryland Auto’s producer training program, and producer application materials state new producers must attend training. Producer appointment materials require a Maryland producer license and a $10,000 Maryland Auto surety bond (or approved certification in lieu of bond for qualifying exclusive agents), with separate producer codes/applications for each office location. Operationally, authorized producers use the producer portal/MIPS; legacy MIPS guidance says access requires a registration form and notes underwriting-processed pending actions. Notable broker/producer instruction: Maryland Auto markets itself as a solution for ineligible/non-standard drivers that can later convert back to standard-market policies, so retail producers can use it as a retention and recovery market rather than a standard-market growth play. No current official public page was found with a detailed class-by-class commercial auto appetite, prohibited operations list, or formal underwriting manual; the available guidance is primarily marketing/training and producer onboarding.