Monomoy Insurance 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
Monomoy Insurance Group operates as a RogersGray-created homeowners MGA/program focused on Massachusetts coastal properties, positioned as an alternative to the MA FAIR Plan and backed by Spinnaker Insurance Company (admitted A- A.M. Best) with substantial London market reinsurance.([contactout.com](https://contactout.com/company/Monomoy-Insurance-Group-50391?utm_source=openai)) Preferred / target business - Massachusetts residential homeowners risks, particularly on Cape Cod, the Islands (Martha’s Vineyard, Nantucket), and other coastal territories that are otherwise pushed to the FAIR Plan.([insurancejournal.com](https://www.insurancejournal.com/news/east/2018/05/30/490536.htm?utm_source=openai)) - Owner-occupied primary residences requiring a standard HO policy (replacement cost on dwelling, liability, contents, etc.), designed to closely mirror mainstream admitted homeowners coverage forms rather than basic FAIR Plan fire-only coverage.([agencychecklists.com](https://agencychecklists.com/2018/06/12/monomoy-debut-24078/?utm_source=openai)) - Accounts where a competitive alternative to Mass FAIR Plan is needed but the insured and property profile otherwise fit standard homeowners underwriting. Risk appetite / positioning - Program is specifically designed to write coastal exposures that many admitted carriers avoid due to wind and catastrophic storm exposure; underwriting is built around wind/hurricane risk management rather than avoiding the coast entirely.([insurancejournal.com](https://www.insurancejournal.com/news/east/2018/05/30/490536.htm?utm_source=openai)) - Rates are intended to be roughly comparable to MA FAIR Plan while offering broader coverage and more favorable hurricane deductibles, making Monomoy a placement of choice when FAIR Plan is being used solely due to geography rather than severe property condition or loss issues.([agencychecklists.com](https://agencychecklists.com/2018/06/12/monomoy-debut-24078/?utm_source=openai)) Geographic notes - Written only in Massachusetts; program was developed specifically to address the Massachusetts coastal homeowners insurance market and is referenced as an option for coastal homeowners across the Commonwealth, with particular emphasis on Cape & Islands and other exposed shoreline communities.([insurancejournal.com](https://www.insurancejournal.com/news/east/2018/05/30/490536.htm?utm_source=openai)) - Distribution and branding are closely tied to RogersGray; many references to Monomoy appear under RogersGray or partner agencies’ marketing for MA coastal homeowners solutions.([rogersgray.com](https://www.rogersgray.com/brp-partnership/?utm_source=openai)) Restricted or declined business (inferred) - Designed as a standard homeowners market rather than a distressed-risk facility; properties that would be outside normal admitted HO underwriting (severe prior losses, major unrepaired damage, serious habitability issues) are likely to remain FAIR Plan or E&S placements, not Monomoy. This is inferred from Monomoy’s stated role as a competitive alternative to the FAIR Plan for otherwise standard homes, not as a last-resort or high-hazard surplus facility.([agencychecklists.com](https://agencychecklists.com/2018/06/12/monomoy-debut-24078/?utm_source=openai)) - No explicit appetite for non-coastal or non-MA risks is indicated; do not assume availability outside Massachusetts or for non-homeowners lines. Submission / distribution notes - Monomoy operates as a program/MGA accessed through appointed retail agencies. Initial launch was via RogersGray and select partners; later communication references exclusive or special partnerships for certain territories (e.g., Martha’s Vineyard).([insurancejournal.com](https://www.insurancejournal.com/news/east/2018/05/30/490536.htm?utm_source=openai)) - Agents place Monomoy business through their existing MA personal lines workflows (e.g., carrier lists and download/IVANS connectivity identify “RogerGray (Monomoy)” as a home and personal lines carrier connection), indicating that Monomoy is not a direct-to-consumer platform and must be accessed via participating agencies.([zywave.com](https://www.zywave.com/wp-content/uploads/sites/2/2024/07/InfoSheet_PartnerPlatformCarrierListSept2024.pdf?utm_source=openai)) Broker / producer instructions (inferred operational guidance) - Producers should treat Monomoy as a coastal HO alternative to FAIR Plan and consider it whenever a primary or secondary home in coastal MA would otherwise default to FAIR Plan solely due to distance-to-coast or wind exposure. - Expect normal admitted-carrier documentation for HO submissions (applications, prior loss runs, property details, photos/inspections as requested) with particular attention to wind mitigation and construction details, given the program’s emphasis on hurricane exposure; while not spelled out in a formal underwriting guide, this follows from its design as a coastal homeowners solution backed by Spinnaker and London reinsurance.([contactout.com](https://contactout.com/company/Monomoy-Insurance-Group-50391?utm_source=openai)) Notes - No formal, public-facing Monomoy underwriting or producer guide could be located; operational guidance above is synthesized from program descriptions, carrier/program announcements, and coastal-market positioning and should be supplemented with current RogersGray/BRP program bulletins and any proprietary underwriting manuals available to appointed agents.