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 currently presents itself as a specialty commercial writer for small to medium-sized businesses, especially difficult-to-place or severity-driven risks, with niche focus called out for homebuilders, energy, underground storage tank owners, and contractors’ equipment. For the requested lines, Commercial Auto is an admitted core product and is also listed as an available product within its renewable/green appetite materials; Inland Marine is a core admitted product with agent-portal quote/bind options including builders risk non-reporting, contractor’s equipment, cargo, installation, and Welder’s PACK. Published admitted appetite categories include Agricultural/Forestry (agricultural services), Energy/Mining (energy, contractors quarrying), Wholesale Trades (durable and non-durable goods), Construction (building, heavy, specialty trades), Manufacturing (wood, furniture, rubber/plastics, metals, machinery, transportation equipment, miscellaneous manufacturing), and Services (trucking/warehousing, personal services, business services, miscellaneous repairs). Non-admitted appetite is available through Mid-Continent Excess & Surplus Insurance Company for risks outside standard admitted appetite due to exposure, rate, or form limitations; published non-admitted appetite categories include Agricultural Services and Fishing/Hunting/Trapping, Heavy Construction and Specialty Trade Contractors, Miscellaneous Retail, and selected Services including Business Services, Amusement/Recreation, and Membership Organizations. Explicitly highlighted harder-to-place/non-standard business includes underground storage tank owner pollution liability, including eligible risks with open remediation, prior contamination, and coastal exposures. Renewable/green marketing material further indicates appetite for solar, wind, biofuels, green/efficient homebuilders and remodelers, electrical, plumbing, geothermal, HVAC, remediation/re-greening, certain consulting, related manufacturing/distribution, charging station installation/maintenance, and related inland marine/auto support exposures; that guide states it is not a comprehensive appetite list and invites discussion of other classifications. Geographic notes: product availability varies by jurisdiction. The renewable appetite guide states products are not available in all states and identifies admitted paper by company; the website terms state Mid-Continent Casualty Company is authorized in all states except AK, CA, HI, NY, and DC, Mid-Continent Assurance Company is more limited, and Mid-Continent Excess & Surplus Insurance Company is eligible in all states and DC except MA, ME, CA, NY, and RI. Submission/process notes: several products are available as Agent Quote & Bind on the Mid-Continent Group Agent Portal, while Commercial Auto, Commercial Excess, Commercial General Contractor, and Oilfield Electrician are specifically shown as request-a-quote products. The site repeatedly notes risks are written through local independent agents, and producer-facing materials emphasize contacting an underwriter for classes outside listed appetite. Practical broker guidance: use the portal for quote/bind classes, expect underwriting review for classes outside standard appetite, confirm state eligibility before quoting, and note surplus lines business is for insurance professionals only and generally not protected by state guaranty funds.