Multi-State Insurance Services
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 website redirects from msiga.com to Bluefire Insurance. Verified underwriting guidance is a California Private Passenger Program quick reference for multiple supporting carriers/programs administered by Multi-State Insurance Services. Target business is California private passenger auto with standard minimum-limit options (liability 15/30/5 or 10), UMBI/UMPD 15/30 with 3500 or CDW, Med Pay $500, comp/collision typically $500 or $1,000 deductibles, rental $20/day up to 20 days, annual mileage rated on actual use, and transfer coverage generally allowed if same coverage is reported within 10 days. Salvage vehicles are acceptable for all coverages. Several program versions allow business use and artisan risks, but only for self-employed tradespeople with no employees, no corporate ownership, and max 5 job sites per day; Topa is more restrictive and shows no business use and no artisan risks. Common restrictions/declines across the guide: non-owner not accepted; permissive use not accepted; special equipment none; unacceptable vehicles include pickups/vans over 1 ton, panel vans or commercial vehicles, transportation of children or persons for hire, vehicles with excessive pre-existing damage, lowered vehicles or modified exhausts, lifts over 6 inches, and vehicles valued over $40,000. Unacceptable drivers include felony narcotics/drug convictions, 2+ at-fault accidents or major violations in the last 5 years, 2+ major violations in the last 7 years, and named insureds with less than 3 years driving experience. Filings/SR-22 are available for drivers on the policy, but no out-of-state filings. Lapses are allowed; reinstatement period is 20 days from cancellation; NSF on down payment, renewal, or installment results in rescission. Geographic note: guidance is specifically for California private passenger auto; filings noted as no out-of-state. Submission requirements: e-signature apps auto-submit through point of sale; manually signed apps must be sent via producer web portal or email; CLUE and MVR are run at point of sale; if physical damage is requested, two clear photos of all sides of the vehicle are required before new business upload, though a sales contract can substitute if the policy is effective the same day or within one business day; down payment accepted by broker EFT or insured credit card. Broker/producer notes: insured-supplied photos are accepted; spouse exclusion allowed; vehicles registered to other household members and exclusion of sole registered owner are allowed by the guide; proof of not-at-fault loss is required when applicable; domestic partner/marriage proof is not required at new business if age 23+, but documentation must be obtainable for claims, with alternatives including children together, jointly owned real property, or joint tax filing. Motor club availability varies by program/carrier, from included/available optional to not offered. The PDF also lists carrier-specific payment plans and fees, including policy/installment/endorsement/late/reinstatement/cancellation/NSF/SR-22 fees that vary by supporting carrier.