Mendota 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 official guidance is available on Mendota’s site for personal auto programs, with a Florida Value Policy Auto Program underwriting guide and a separate Texas MAP Program guide. The currently verified underwriting page provided is the Florida guide. Mendota appears focused on nonstandard personal auto and related non-owner auto business written through appointed producers. Preferred/acceptable business includes qualifying personal auto risks and limited artisan-type business use where the vehicle is individually owned, operated only by the named insured and covered family members, and the named insured has no more than one vehicle in that category. In Florida, two named insureds are acceptable if the second named insured has an ownership interest in an insured vehicle. Restricted/declined business shown in the verified guides includes brokered business; risks marked unacceptable/ineligible/submit; premium-financed policies (Florida); policies with more than 5 vehicles (Florida); stated value physical damage (Florida); vehicles from more than one household on one policy (Texas); estates, receiverships, corporations, or partnerships as named insureds (Texas); illegal-enterprise occupations (Texas); nationally or locally prominent operators such as politicians, celebrities, professional athletes, or entertainers unless submitted for approval (Texas); named insureds who have never been licensed, revoked-license operators, insurance-fraud convictions, and named insureds under age 18 (Texas); and limited-production, exotic specialty, prior-damaged unsafe, racing, or competition-modified vehicles (Florida/Texas). Geographic notes: verified program guides are state-specific for Florida and Texas; non-resident agent licensing is only available with prior company approval; severe weather binding restrictions apply, prohibiting new or increased physical damage/coverage in areas under hurricane, tornado, or other severe-weather watch/warning, with post-event inspection requirements for physical damage risks written within 72 hours after warnings are lifted. Submission/binding requirements: qualifying risks may be bound only after the application is fully completed, signed, and required deposit premium is paid; Florida agent binding authority is 3 business days with upload required within 72 hours, while Texas agent binding authority is 1 business day with upload required within 24 hours; no paper applications are accepted and business must be uploaded through Mendota’s electronic platform/internet system; signed applications and supplemental forms must be retained in agency files and produced for claim review or audit; physical damage cannot be bound midterm on existing policies without inspection and documentation; effective dates prior to signed/bound date are not acceptable; and documentation may include proof of prior insurance, proof of home/condo/mobile home ownership for applicable discounts, vehicle inspection forms, EFT forms, and state-specific supplemental UM/UIM, PIP, BI, custom equipment, or exclusion forms. Notable producer instructions: Mendota distributes through independent producers, requires individual agent information/appointment paperwork for producers involved in solicitation or sale, does not accept brokered business, requires prompt notice of endorsements (within 3 days in both verified guides), and states that e-signed documents not completed within 3 days can result in new business cancellation in the Florida guide.