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
Mid-Continent Group, part of Great American Insurance Group, currently presents itself as a specialty commercial casualty and inland marine market with emphasis on construction, energy, homebuilders, underground storage tank owners, contractors’ equipment, and other difficult-to-place or severity-driven small to midsize business risks. Official materials show a broad product suite including Commercial Auto and Inland Marine, plus Umbrella and General Liability, with non-admitted GL available directly or through its internal agency. Published class examples and marketing pieces indicate preference for homebuilders; commercial general contractors; oil lease operators/non-owned working interests; pumpers/gaugers; flow testers; oilfield welders; roustabouts; underground storage tank owners; renewable/green energy risks such as solar farms, wind service/maintenance, biofuels, solar installation/service, geothermal, high-efficiency HVAC, electrical/plumbing work, charging station installation/maintenance, and related consulting/manufacturing/distribution accounts. Inland Marine guidance highlights contractor’s equipment, builders risk non-reporting, cargo, installation, Welder’s Pack, mobile equipment for construction/energy/agriculture, and flexibility to write Inland Marine monoline with minimum premium as low as $500. Commercial Auto appears tied closely to targeted energy and specialty contractor segments; an official quick-quote program is specifically published for pumpers/gaugers, flow testers, and land-based oilfield welders, with Auto limits of $1M and Umbrella up to $5M. Restricted/declined business is not presented as a formal decline list on the public pages reviewed; however, appetite is clearly niche and class-driven, and Mid-Continent notes its renewable guide is not comprehensive and invites discussion on other classifications. Specific product caveats include refrigeration breakdown materials excluding seafood and fish, higher cargo-related limits requiring company approval, and coverage not available in all states. Geographic notes: official brochures state product availability varies by state, and insurer paper differs by jurisdiction; one renewable appetite piece lists admitted paper limitations and one oil-and-gas quick-quote piece specifies availability only in AL, AR, CO, ID, IN, KS, KY, MI, MN, MO, MS, MT, ND, NE, NM, OH, OK, PA, SD, TN, TX, UT, WI, WV, and WY. Submission/producer notes: Mid-Continent prominently directs agents/brokers to its Agent Portal for quoting, binding, instant quote letters/forms, electronic policy delivery, account tracking, and some product-specific quick-quote workflows. Public materials repeatedly say 'for agent/broker distribution only,' encourage contacting the assigned underwriter for classes outside listed appetite or for approvals, and note the portal may not be available at all times. Overall, current published guidance supports keeping Mid-Continent positioned as a niche admitted/non-admitted specialty market for energy, contractor, homebuilder, transportation/cargo, and equipment-related risks, especially where monoline Inland Marine or harder-to-place casualty is needed.