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
Verified public guidance indicates Michigan Insurance writes property and casualty business in Michigan through independent agencies and offers full lines of personal and commercial products. Commercially, current published target business includes small business BOP risks, with more than 100 eligible business classes; artisan contractors under a dedicated BOP Contractor’s program; businesses needing flexible package placement through a Commercial Package Policy; commercial auto for single vehicles through fleets; auto/truck repair, service, and sales operations under Auto Dealers; workers’ compensation; liquor liability for eligible retailers and restaurants where alcohol sales are incidental; and Contractor’s E&O for eligible trade contractors. Product positioning suggests a preference for standard small-to-mid commercial accounts that fit packaged property/casualty placements, especially main street business, artisan trades, dealer/service risks, and insureds that value loss control resources. Geographic note: the carrier states it provides products through independent agencies in the State of Michigan, so the public-facing footprint appears Michigan-focused. Restricted/declined classes are not published in a detailed appetite guide on the verified public site; however, the site limits certain offerings by eligibility and company approval. Specifically, liquor liability is only for eligible retailers and restaurants with incidental liquor sales and is subject to company approval; Contractor’s E&O is only for eligible trade contractors and is written as an endorsement to GL under the Commercial Package Policy or Tradesman’s Advantage/contractor form; Commercial Package is positioned for accounts that do not fit specialized programs; and BOP eligibility is limited to qualifying classes rather than all business types. Submission/broker notes: business is distributed through independent agencies, with public agent-facing access through WritePro and WriteBiz login portals. The site does not publish a detailed new-business checklist, minimum premium thresholds, target account size, or hard decline list. Operationally, agents should submit complete class-specific information supporting eligibility, exposures, vehicle/fleet details where applicable, and contractor trade details when requesting BOP Contractor’s or Contractor’s E&O consideration. Notable service/underwriting-related instructions published by the carrier include broad loss control support for commercial policyholders, access to on-demand safety training through the Loss Control Department, and premium audit expectations: commercial new business with auditable exposures is audited within 60 days after policy expiration, and an owner/principal should be available with operational and payroll/classification details. Overall, the verified public guidance supports Michigan-focused standard commercial P&C production through appointed independent agencies, but it does not provide a granular appetite/decline matrix publicly.