MiddleOak Insurance Company
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
MiddleOak Specialty currently presents itself as a commercial habitational specialist, not a personal lines writer. Its official product pages focus on admitted apartment and community association programs plus a habitational-focused E&S offering. Preferred business includes apartments, single- and multi-family dwellings, student housing, independent senior housing, affordable/public housing, mixed apartment-office or apartment-mercantile lessors risk occupancies, rental condo units, cooperatives, condominium associations, and homeowners associations. Distribution is limited to a select group of authorized or habitational-focused brokers, and the public quote page states policies are sold exclusively through authorized broker partners. Geographic notes published on official pages indicate the broader apartment/community association operation is offered in 34 states, while the CAPsure community association reference guide specifically lists admitted availability in AR, AZ, CT, DE, IA, ID, IL, IN, KY, MA, MD, ME, MI, MO, NH, NJ, NY, NV, OH, OR, PA, SC, TN, UT, VA, VT, WA, and WI. Greyed-out states on the quote map are unavailable, and New York has at least one form note stating the Additional Location Supplement is not applicable there. Submission expectations are detailed and practical: for apartment and condo association business, MiddleOak publishes underwriting supplementals and expects ACORD application, statement of values, completed supplement, and currently valued 5-year hard-copy loss runs; CAPsure also requires a capital improvement plan or reserve study for older/larger locations, and its reference guide asks for recent financial statements and long-range capital improvement plans when condos are 15+ years old. For E&S submissions, official guidance says to send ACORD, SOV, and loss runs by email. Published target/eligibility notes for CAPsure include 11+ units, 70% occupancy, 3+ years of property management experience, owner/manager within 25 miles of the property, target age 30 years or newer unless updated within the last 30 years, and possible eligibility for limited mercantile/office exposure subject to underwriter review. Restricted or declined characteristics shown in official supplement/reference materials include major construction/major renovations, armed guards or security without proper third-party contracts and risk transfer, less than 100-amp service to each unit, knob-and-tube wiring, fuse systems, Zinsco/Federal Pacific Stab-Lok panels, unremediated aluminum wiring, galvanized or polybutylene piping, short-term leases under one year for community associations, grills on certain balconies, buildings where major systems have not been updated within 30 years, fraternities/sororities, fireplaces/wood stoves in student housing, fire pits unless built-in/professionally constructed, gas grills within 25 feet of frame structures, balconies above the second story in student housing, assisted living or nursing care components in senior housing, employees dispensing medication, and certain transportation/care services that can remove availability of hired/non-owned auto or disqualify the risk. Additional underwriting detail suggests heightened review for high-rise, high-value, dog park, commercial occupancy, developer involvement, amenities, underground tanks, and renovation exposures, often requiring contracts, hold harmless/indemnification, certificates of insurance, and operational controls. Broker/producer notes: MiddleOak asks whether the broker controls the business, provides regional sales manager contacts by state, directs quote seekers to authorized brokers, lists direct bill with 20% down on the CAPsure reference guide, and notes that questions on product submissions can be sent to the underwriting contact shown on the products page. Overall, the currently published appetite is narrowly focused on well-managed commercial habitational risks submitted through specialized brokers, with significant scrutiny on older infrastructure, security, renovation, student/senior care, and mixed-use or amenity-related liability exposures.