Mercury
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 public guidance is limited and is primarily consumer-facing rather than a true producer appetite guide. For umbrella, Mercury’s verified public page is for Personal Umbrella, not Commercial Umbrella. Published personal umbrella positioning: excess liability over personal auto and/or homeowners, with limits of $1M-$5M in CA, TX, OK, and IL, and $1M-$2M in other states where available; marketed as available in most states and sold through Mercury agents. Common in-scope exposures shown include major personal liability, landlord liability for rental properties, legal defense costs, and personal injury exposures such as slander/libel. Publicly stated common exclusions/restrictions include business-related claims, damage to the insured’s own property, intentional or criminal acts, contractual obligations, and workers’ compensation situations. For Home, Mercury publicly markets homeowners through its agent network, but no detailed public underwriting or wildfire/coastal eligibility rules were located on the verified product pages reviewed. Geographic footprint verified on official pages includes AZ, CA, FL, GA, IL, NV, NJ, NY, OK, TX, and VA for at least some personal lines/agent access; product availability varies by state. On broader business appetite, Mercury’s official fact sheet shows current commercial focus areas including business auto for sole proprietorships, partnerships, and corporations; BOP/CMP; habitational residential rentals with 5+ units, mixed use without commercial cooking, and condo HOAs; lessors risk for retail/shopping centers, industrial, and office buildings; restaurants from fast casual to fine dining; and small business office/retail/service operations. This supports that Mercury writes commercial business, but no verified public page was found confirming standalone Commercial Umbrella underwriting appetite, target classes, attachment strategy, submission requirements, or declination list. Broker/producer notes available publicly: business is routed through local Mercury agents, quote requests are encouraged through agent contact or online quote entry, and Mercury has a 'Become an Agent' pathway, but no public broker submission checklist, supplemental application requirements, minimum underlying limits, or appetite bulletin was verified. Operationally: treat current public guidance as broad marketing only; confirm Commercial Umbrella availability, target classes, state appetite, underlying requirements, and any restricted classes directly with a Mercury-appointed agent or carrier contact before submission.