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 rather than a personal lines writer. Officially published guidance centers on multifamily/apartment and community association business, plus an E&S channel for broader habitational and related placements. Preferred admitted business includes professionally managed apartment risks and community associations in 34 states, generally targeting properties 30 years old or newer, or older properties that have been fully updated within the last 30 years for roof, electrical, plumbing, and mechanicals. Apartment targets under the Worlds Apart program include market-rate apartments, student housing that is off-campus/private with no freshmen or fraternities/sororities, affordable housing, tax credit programs, independent senior housing, rental condos, cooperatives, and mixed apartment/office or apartment/mercantile lessor’s risks. Community association targets under CAPsure include condominium associations and homeowner associations, with some mercantile/office exposure potentially eligible subject to underwriter review. Core eligibility published for admitted habitational risks includes 11 or more units, 3+ years of property management experience (5+ for student housing), owner/manager within 25 miles, 70%+ occupancy, leases for all tenants for apartments, and a favorable 5-year loss history reflective of well-managed properties. Published submission requirements for admitted business are a complete ACORD application, applicable supplemental forms, currently valued hard-copy loss runs for the past 5 years, and a building-level statement of values including COPE data for apartment business; community association submissions also call for recent financials and a long-range capital improvement plan when a condo is 15+ years old. Billing notes published: direct bill with 20% down payment required. Published ineligible/restricted items for admitted programs include less than 100-amp electrical service to each unit, Federal Pacific/Zinsco or other Stab Lok breakers, aluminum wiring without appropriate updates, fuses or knob-and-tube wiring, galvanized piping, and armed security unless outsourced with risk transfer. Apartment-specific restrictions also note student-housing balconies above the second story are ineligible unless flush with the building exterior, with only certain small protruding balconies potentially eligible by underwriting referral. Community association guidance adds limited state eligibility for associations with developer-owned units. Geographic notes published: admitted apartment states shown are AR, AZ, CT, DE, IA, ID, IL, IN, KY, MA, MD, ME, MI, MO, NC, NH, NJ, NY, NV, OH, OR, PA, SC, TN, UT, VA, VT, WA, and WI; admitted community association states shown are 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. The quote page says business is sold exclusively through authorized broker partners and greyed-out states are unavailable, so distribution is restricted to appointed/authorized brokers. MiddleOak also publishes an E&S program through McGowan Wholesale for retail brokers, listing eligible classes such as apartment risks, community associations, dwelling schedules, hotels/motels, environmental liability, professional liability, underground storage tanks, inland marine, and contractor liability; E&S submissions should include ACORD, SOV, and loss runs and be sent to the published underwriting contact. No verified official underwriting guidance was found for the provided personal lines references of Home or Boat/Watercraft Quotes on the current MiddleOak site; current official materials emphasize commercial habitational programs and broker-distributed submissions only.