Mercer 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 carrier is Mercer Insurance Company under the UFG Insurance group. On the current public UFG site, the published underwriting/appetite guidance is primarily for commercial small business/BOP rather than personal home insurance. No verified public homeowner-specific underwriting or appetite guide was found. Current published guidance emphasizes online small-business quoting through ufgAgent/Pro-Quote and BOP-Pro. Preferred small-business classes listed publicly include retailers such as appliance, auto parts, bicycle, book, candy, florist, hardware, hobby/crafts, home furnishings, and sporting goods; distributors such as appliances, auto parts, baked goods, floor coverings, flowers, hardware/tools, janitorial supplies, and plumbing supplies/fixtures; services such as bakeries, barber shops, beauty salons, copy/print stores, funeral homes, mailbox/packaging, and photographers; offices such as accountants, advertising agents, attorneys, interior decorators, real estate agents, and veterinarians; contractors such as electricians, fence construction, floor covering, glass dealers/installers, HVAC, lawn care/sprinklers, painters, and plumbers; and limited-cooking restaurant classes including coffee shops, delis/sub shops, diners, family style, fine dining, and pizza shops. At-a-glance small-business parameters published by UFG include contractors up to $1 million payroll and $3 million TIV per location, other classes up to $7 million TIV per location, contractors up to $6 million sales, garage/LROs up to $5 million annual sales per location, restaurants up to $6 million annual sales per location, and other classes up to $10 million annual sales per location; buildings built within the last 35 years are preferred, with older buildings considered when updated within the last 15-20 years. Restriction noted publicly: hired and non-owned auto liability is not available for restaurant operations with delivery. Geographic note: UFG states coverages vary by state and may not be available to all businesses; no public homeowner geography guide was found. Submission/producer notes: start quotes in ufgAgent; Pro-Quote uses appetite signals identifying business that can pass straight through, needs underwriter review, or is not Pro-Quote eligible; non-partner agents can request appointment/connection through the public site; small-business questions can be directed to smallbusiness@unitedfiregroup.com or online@unitedfiregroup.com; service-center support is available for BOP accounts; middle-market submissions are directed publicly to doingbusiness@unitedfiregroup.com. Operationally, for Home/personal lines, treat public appetite as unverified/unpublished and confirm directly with UFG/Mercer underwriter or appointed producer contacts before relying on placement assumptions.