Mid-Continent Group
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
Operational focus: - Mid-Continent Group (part of Great American Insurance Group) is a specialty commercial casualty market with emphasis on difficult‑to‑place and niche risks. Key segments include homebuilders, energy, underground storage tank (UST) owners, and contractors’ equipment accounts. They position themselves as a home for small to mid-sized businesses that present unique or hard‑to‑place exposures, written through independent agents and surplus lines brokers where applicable. ([greatamericaninsurancegroup.com](https://www.greatamericaninsurancegroup.com/about-us/business-operations/division/mid-continent-group?utm_source=openai)) Preferred / target business: - Construction and homebuilding: general contractors and trade contractors that fit specialty commercial, GL, auto, umbrella, inland marine and contractors’ equipment offerings. - Energy-related risks: oil and gas and related energy contractors and service operations where specialized GL, auto, umbrella and inland marine solutions are needed. - Underground storage tank (UST) owners/operators: tank owners seeking pollution liability coverage (TankOwners Pollution Liability program), frequently in fuel and convenience store segments. - Accounts needing combined casualty and inland marine placements (e.g., fleets with significant mobile equipment schedules) that benefit from a one‑stop market for commercial auto, umbrella and scheduled equipment. ([greatamericaninsurancegroup.com](https://www.greatamericaninsurancegroup.com/about-us/business-operations/division/mid-continent-group?utm_source=openai)) Products / coverages: - Admitted casualty appetite: commercial automobile and umbrella, and some inland marine and specialty commercial lines written on admitted paper through Mid-Continent Casualty and Mid-Continent Assurance (availability varies by jurisdiction). ([greatamericaninsurancegroup.com](https://www.greatamericaninsurancegroup.com/about-us/business-operations/division/mid-continent-group?utm_source=openai)) - Non‑admitted / E&S: general liability on a non‑admitted basis via Mid-Continent Excess & Surplus Insurance Company, with internal agency access or direct company access depending on class and distribution arrangement. ([greatamericaninsurancegroup.com](https://www.greatamericaninsurancegroup.com/about-us/business-operations/division/mid-continent-group?utm_source=openai)) - Inland marine: contractors’ equipment and other mobile property associated with target industries. - TankOwners Pollution Liability: specialized pollution liability product for UST exposures, offered on admitted paper in at least some states (e.g., Texas) with coverage enhancements such as defense outside limits and optional property coverage on the tank system; distributed through approved program administrators. ([members.tffa.com](https://members.tffa.com/tffa-member-directory/Details/anco-insurance-2471223?utm_source=openai)) - Cyber endorsement: available as an add‑on endorsement—not a stand‑alone cyber product—typically attached to core casualty placements. ([greatamericaninsurancegroup.com](https://www.greatamericaninsurancegroup.com/about-us/business-operations/division/mid-continent-group?utm_source=openai)) Geographic notes: - Corporate domicile and operations are based in Tulsa, Oklahoma, but licensing is multi‑state. - Mid-Continent Casualty Company: authorized in all U.S. states except Alaska, California, Hawaii, New York and the District of Columbia. - Mid-Continent Assurance Company: authorized in a defined list of states (including CT, DE, FL, ID, LA, MO, NE, ND, NH, NJ, NV, MA, ME, MS, OH, OK, PA, RI, TX, VA, VT, WV, WI). - Mid-Continent Excess and Surplus Insurance Company: eligible to write surplus lines in all states and D.C. except MA, ME, CA, NY and RI. These licensing constraints drive where admitted vs. surplus lines options are available; submissions from excluded states must generally be placed elsewhere or through eligible group affiliates. ([mcg-ins.com](https://www.mcg-ins.com/terms-and-conditions?utm_source=openai)) Restricted / declined characteristics (inferred operationally from positioning): - Not positioned as a broad middle‑market package or BOP carrier; appetite is centered on specialty casualty, hard‑to‑place and niche segments, so standard main‑street BOP‑type risks without specialty characteristics are more appropriately placed with general carriers. - California, New York, Maine, Massachusetts and Rhode Island present limitations on both admitted (for some entities) and surplus lines availability; risks domiciled there may not be eligible under Mid‑Continent paper and would instead need other Great American or external markets. - Personal lines, workers’ compensation and most professional liability are outside the group’s described product set and should typically be placed elsewhere. ([greatamericaninsurancegroup.com](https://www.greatamericaninsurancegroup.com/about-us/business-operations/division/mid-continent-group?utm_source=openai)) Submission and placement expectations (agents/brokers): - Distribution is through local independent agents and, for surplus lines, licensed brokers and/or designated internal agency or program administrators. The public site explicitly directs insureds to independent agents for placement and emphasizes that product availability and eligibility are subject to underwriting qualifications. ([mcg-ins.com](https://www.mcg-ins.com/find-an-agent/?utm_source=openai)) - Admitted business is typically accessed through appointed Mid-Continent Group agents using the MCG Agent Portal for rating, policy issuance and servicing. - Non‑admitted / E&S GL and some specialty programs (e.g., UST pollution) are accessed through program managers or internal agency channels; producers should follow program-specific submission requirements (applications, tank schedules, loss runs, environmental questionnaires) as outlined by those administrators. - All offerings remain subject to disciplined underwriting; the site notes that eligibility and terms depend on underwriting review and that web descriptions do not amend or broaden actual policy language. Broker / producer notes: - Target profile: small to mid‑sized commercial accounts that are difficult to place in standard markets, especially in construction, energy and environmental niches. Marketing emphasizes long‑term, relationship‑driven underwriting and flexibility in tailoring solutions with multiple casualty lines plus inland marine. - Agents must be appointed/approved to access the MCG Agent Portal and product suite; prospective agents are directed via the public site’s “Become an Agent” path. - For surplus lines placements, ensure use of appropriately licensed surplus lines brokers and comply with state surplus lines filing and diligent‑search requirements, consistent with Mid‑Continent Excess & Surplus’s eligibility footprint. - Claims and time‑limited demand notices for Mid‑Continent companies are centralized through the listed group email (claims@mcg-ins.com), which producers should use for formal claim reporting and time‑sensitive liability communications in states such as California. ([insurance.ca.gov](https://www.insurance.ca.gov/01-consumers/upload/SENATE-BILL-1155-01-13-25.pdf?utm_source=openai)) Operationally, treat Mid-Continent as a focused specialty casualty and inland marine market, using them primarily for construction, energy, UST and contractors’ equipment accounts where a combination of commercial auto, umbrella/excess, non‑admitted GL, inland marine and pollution liability is needed, and confirm state eligibility and surplus lines requirements at the outset of each submission.