Michigan 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
Michigan Insurance Company (Donegal affiliate) currently presents itself as a regional commercial carrier for small to midsize businesses, writing through independent agents only. For Commercial Package Policy, the stated target is businesses that do not fit one of its specialized programs such as Businessowners, BOP Select, or Tradesman’s programs; coverage can be assembled from commercial property/fire, general liability, inland marine, crime, and equipment breakdown, with Silver Series property enhancement endorsements highlighted. The site also indicates its BOP program is eligible for more than 100 classes, suggesting smaller standard mercantile/service risks may be steered to BOP while more individualized or non-program business is placed in CPP. Geographic note: commercial business is currently written in the Mid-Atlantic and Midwestern regions, with listed states including PA, MD, DE, VA, OH, GA, TN, AL, NC, IA, NE, SD, WI, MI, NH, ME, NM, TX, CO, UT, IN, IL, and SC; product availability varies by state. No public appetite guide, class-specific underwriting matrix, or explicit declined-classes list was found on the official site, so restricted/declined classes are not publicly detailed; operationally, risks outside specialized-program fit appear to be the public positioning for CPP, but exact hazards, occupancy restrictions, protection-class limits, coastal/wildfire constraints, liquor/habitational limitations, or loss-history thresholds were not disclosed on the verified public pages. Submission/broker notes: business must be placed through an independent agent; direct purchase is not available. Donegal/Michigan also notes tailored loss control services for policyholders and a commercial premium-audit process for auditable exposures. Public premium-audit guidance says auditable lines can include GL, liquor liability, workers’ compensation, and garage; new and renewal auditable business is audited within 90 days after expiration, physical audits are always used for new business, and the insured should be prepared to provide operations descriptions, employee duties, payroll, overtime separated, tax records, sales by service/location, P&L, general ledger/time cards, and subcontractor details including certificates of insurance. Broker/agency administration items publicly available include agent login with MFA and agency principal web registration materials, but no public submission-email, appetite PDF, wholesaler instructions, or broker packet requirements were found. Overall refresh: verified public guidance supports a standard-market, agent-distributed regional appetite for small/midsize commercial risks, with CPP positioned as a flexible solution for accounts not fitting their named packaged programs; however, detailed underwriting acceptability and decline rules are not publicly published on the verified pages.