Modern USA 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
Verified current public-facing carrier/MGA presence is Jerger MGA, which states it is the exclusive managing general agency for American Traditions Insurance Company and is focused on Florida residential property risks. Publicly posted appetite-style guidance is high level rather than a detailed underwriting manual. Preferred business appears to be Florida personal residential property with tailored solutions for owner-occupied single-family primary residences (homeowners), non-owner-occupied/seasonal/secondary/rental dwellings (dwelling fire), condo unit owners, renters, and manufactured homes, including manufactured home structures with qualifying attachments. Geographic notes: the site repeatedly positions the platform around the Florida market, and the agent locator is Florida-county based, indicating primary distribution focus in Florida. Submission/producer requirements: quoting and policy access route through the Jerger/ATI portal; agents can use the agent portal/instant quote tools, and appointment requests require a detailed agency profile including homeowners/dwelling and mobile home production mix, average HO/DP volume, rollover opportunity, largest personal-lines carriers, premium, commission, appointment dates, and loss ratios. Broker/producer notes: carrier emphasizes independent-agent distribution, advisory underwriting support, and data-driven/property-specific risk assessment; public policyholder guidance also highlights wind mitigation inspection support in Florida, with discounts tied to a licensed inspection using Uniform Mitigation Verification Inspection form OIR-B1-1802 and forms generally valid up to five years if home characteristics do not change. Restricted/declined classes are not specifically published on the verified public pages reviewed; no official public decline list, coastal restriction schedule, age/roof cutoff, protection-class matrix, or binding authority bulletin was found on the official verified pages, so any class-specific restrictions likely reside behind the agent portal or in appointed-agent materials rather than the public site.