Montgomery Insurance
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 official guidance appears to be from Montgomery Insurance Services, an independent retail agency/broker in the greater Philadelphia / Delaware Valley market rather than a carrier-specific underwriting appetite bulletin. Current published commercial guidance is broad and consultative, not class-by-class underwriting rules. Preferred business is described generally as small business and local commercial accounts needing tailored risk review, especially accounts seeking core package-style protection around property, liability, auto, workers compensation, and umbrella/excess, with access to additional specialty lines such as flood, inland marine, builders risk, pollution, cyber, and bonds. For Commercial Property, the site emphasizes risks with buildings, equipment, tools, furniture, inventory, and business personal property, including leased locations and home-based businesses; it notes business interruption exposure and rent obligations after loss should be reviewed. Flood and earthquake are specifically noted as not covered under standard commercial property and should be addressed separately when relevant. For Umbrella/Excess, published guidance states it sits over general liability, commercial auto, or standard liability insurance. For Workers Compensation, the site presents it as essential for employers with employee injury exposure. Restricted or declined classes are not expressly published on the verified official pages reviewed; no formal in-appetite / out-of-appetite class list, state map, hazard prohibitions, occupancy restrictions, or target SIC/NAICS schedule was found. Geographic note: the agency positions itself as serving the greater Philadelphia area / Delaware Valley, with office location in Media, Pennsylvania; no official multistate underwriting territory or product availability matrix was found. Submission / intake expectations: the official site routes business through a general quote form requesting first name, last name, email, telephone, and service interest, and invites prospects to contact an agent for quote information. Broker/producer notes: none found on an official producer portal or submission guide; instead, the agency states it has access to about 100 insurance carriers and uses a relationship-driven review process to tailor coverage placement. Operationally, treat this as a brokerage market-access profile rather than a filed carrier appetite guide; refer unusual classes, hazard-heavy property, CAT-driven risks, or accounts needing strict underwriting eligibility confirmation directly to Montgomery for case-by-case review.