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 appears to be a program/homeowners facility associated with RogersGray and backed by Spinnaker Insurance Company for coastal homeowners business, but there are no publicly posted, carrier-official underwriting or appetite guidelines accessible on the Monomoy site as of this refresh.([insurewithsterling.com](https://www.insurewithsterling.com/mv-insurance-news/monomoy-insurance-group-mv?utm_source=openai)) Because no formal underwriting, appetite, or producer manual is available from Monomoy, the following items are inferred from public descriptions and should be treated as directional only, not as binding rules: • Preferred business (inferred): - Coastal Massachusetts homeowners seeking an alternative to the MA FAIR Plan, with an emphasis on A- rated paper (Spinnaker) and London-market reinsurance support. - Owner-occupied primary homes are implied as core appetite, with a focus on properties that would otherwise be forced into the residual market but are still insurable by admitted or program carriers.([agencychecklists.com](https://agencychecklists.com/2018/06/12/monomoy-debut-24078/?utm_source=openai)) • Restricted/declined classes (not explicitly published): - No explicit restricted or prohibited classes are listed in any official Monomoy material; specific disqualifiers (e.g., age/condition of roof, prior losses, distance to coast, elevated flood or wind exposure) are not publicly detailed. - Any actual decline criteria (construction type, occupancy type, claims history, protection class, flood zone) will need to be confirmed with the program underwriter or the producing agency (RogersGray/Monomoy) on a case‑by‑case basis. • Geographic notes (inferred): - Program is marketed specifically as a coastal Massachusetts homeowners solution and alternative to the Massachusetts FAIR Plan; focus is on Cape Cod and other coastal areas of MA.([agencychecklists.com](https://agencychecklists.com/2018/06/12/monomoy-debut-24078/?utm_source=openai)) - No current, detailed state or territory listing is published for Monomoy beyond Massachusetts coastal emphasis. • Submission / producer requirements (inferred from context): - Business is placed through appointed retail agencies (e.g., RogersGray) rather than directly with consumers; producers must work through Monomoy‑appointed agencies or MGAs. - No public producer manual, submission checklist, or upload/portal instructions are available under the Monomoy domain. Appointment, rating, and binding processes appear to be handled internally by RogersGray/Monomoy and/or its program administrator. • Broker/producer operational notes: - Treat Monomoy as a proprietary or limited‑distribution coastal homeowners program: check your agency’s RogersGray/Monomoy contact or program bulletin for actual eligibility, required documentation (e.g., inspection, valuation, prior insurance, flood info), and binding authority conditions. - Do not rely on general coastal or Spinnaker guidelines from third‑party sources as a substitute for Monomoy‑specific rules; confirm with the program underwriter before quoting or binding placements that would normally default to the MA FAIR Plan. Because there are no official, public Monomoy underwriting or appetite documents found at this time, all operational use should default to direct underwriter guidance, current program bulletins, and internal producer manuals supplied to appointed agencies.