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 current ownership and distribution information indicates Mercer Insurance Company is part of UFG Insurance and is identified in UFG’s affiliate/privacy materials as a property/casualty subsidiary. A verified, current official homeowners/personal-lines underwriting or appetite guide for Mercer Insurance Company was not found on public official pages. Publicly available official guidance instead points to UFG’s current operating model: products are distributed through independent agencies and brokers, while UFG Specialty business is written through licensed wholesale brokers. For Mercer Insurance Company specifically, the clearest current public operational note is that it is used on an approved non-admitted basis within UFG Specialty in multiple states, including AL, AR, CA, CO, CT, FL, GA, ID, IL, IN, IA, KS, LA, MA, MN, NV, NM, NC, OH, OR, TX, UT, and WA. That non-admitted/surplus-lines positioning does not function as a standard admitted personal-home appetite guide and suggests brokers should confirm whether any Home opportunity is being written in standard personal lines elsewhere in the UFG group or requires specialty placement. Historic official UFG acquisition materials state Mercer Insurance Group wrote personal lines and commercial lines principally in NJ, PA, AZ, CA, NV, and OR, but this is legacy background rather than a current underwriting guide. No official public page was found that verifies current preferred homeowners segments, target construction/occupancy details, dwelling age/value parameters, protection class preferences, CAT/wildfire/coastal restrictions, or explicit declined-home classes under the Mercer name. No public official submission checklist for Home was found either; therefore, practical producer guidance is to treat appetite as unverified publicly, approach through appointed UFG distribution, and submit complete risk details directly to the appropriate UFG or broker contact for confirmation of state availability, admitted vs. non-admitted eligibility, and documentation needs before marketing. Because no verified public Home underwriting page was found, restricted/declined classes, required inspections, valuation standards, and broker instructions beyond channel/placement structure cannot be stated with confidence.