MutualAid eXchange
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
MutualAid eXchange (MAX Insurance) appears on current guaranty association insolvency lists, and no active U.S. carrier underwriting or agent-resource pages are available under the legacy MAX brand. Public regulator and guaranty association records indicate MAX has been placed into liquidation/insolvency; there is no current, authoritative homeowners underwriting, appetite guide, or producer submission guidance being published by the company. Operational implications for agents and brokers: - Preferred business: None – carrier is not actively writing new homeowners business. Do not quote, bind, or market new policies under MutualAid eXchange/MAX. - Restricted/declined classes: All new and renewal homeowners risks should be treated as declined. Expect remaining in‑force policies (if any in your book) to be handled under court‑supervised liquidation and applicable state guaranty association rules rather than normal underwriting. - Geographic notes: Historically MAX wrote in multiple U.S. states via independent agents, but there is no current state-by-state underwriting appetite or territorial guide to rely on. For practical placement decisions, treat MAX as unavailable in all jurisdictions and move risks to active markets. - Submission requirements: Do not submit new business or endorsement requests through any prior MAX portals or email boxes; they are not supported for active underwriting. Any open claims or unearned premium issues on cancelled MAX policies should be directed to the relevant state insurance department or guaranty association per each state’s instructions, not to a home-office underwriting team. - Broker/producer instructions: Proactively re-market any remaining insureds to solvent carriers and update lender certificates accordingly. Explain to insureds that coverage and refunds (if any) are now governed by insolvency and guaranty association procedures, which can differ by state. Do not represent MAX as an active market, and remove MAX from comparative rater setups and agency marketing materials. Because there is no live underwriting or appetite documentation from the carrier, you should rely entirely on replacement markets’ guidelines for eligibility, rating, and coverage design, and treat MAX solely as a legacy/insolvent entity in your operational playbook.