Narragansett Bay Insurance Company
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
NBIC currently positions itself as a specialty coastal personal-lines underwriter focused on responsible homeowners. Official product pages show active personal residential offerings in CA, CT, DE, MD, MA, NJ, NY, RI, and VA, with California written on a surplus lines basis and not licensed in that state. Preferred business appears to be well-maintained personal residential property, especially owner-occupied single-family, townhouse, and duplex homes; the site also states availability for secondary/seasonal homes and rental properties under its homeowners program. Condo, renters/tenants, and dwelling fire products are also shown, and commercial residential is targeted to condominium associations, homeowner associations, continuing care retirement communities, and apartment complexes. NBIC emphasizes specialized regional underwriting and loss control, including its ShelterPride property risk appraisal/underwriting program for policyholders. Restricted or non-target indicators are mostly inferred from the product descriptions and supplemental material rather than from a formal public appetite guide. Dwelling fire is specifically described for rented single-family or duplex homes that are not vacant, so vacancy is a clear limitation for that form. Commercial residential supplemental questions indicate underwriting scrutiny around fire/life-safety compliance, current or recent cited code violations, litigation, prior declinations/cancellations/non-renewals, inexperienced apartment management, and flood-zone exposure; if property is in flood zone A or V, a flood declarations page is required at binding. The questionnaire also asks about smoke detectors and fire extinguishers, suggesting those are expected risk controls. NBIC also states it routinely requests credit reports on applicants. Geographically, published state availability is CA, CT, DE, MD, MA, NJ, NY, RI, and VA for current personal residential products and agent new business/servicing access. California should be treated separately because the company states it is a surplus lines insurer there. Company-wide messaging also references coastal regions, so coastal residential risks are clearly a core focus rather than an exclusion. Submission and producer notes: NBIC distributes through independent agents. Its agent page shows the Guidewire new agent portal for CA, CT, DE, MA, MD, NJ, NY, RI, and VA for new business and servicing, while the legacy Majesco portal is servicing-only for all states and used for commercial residential. For commercial residential submissions, NBIC publishes a Commercial Residential Property Supplemental Questionnaire. Producer-facing public guidance is limited; no formal public appetite matrix or detailed broker bulletin was verified on the official site. Boat/watercraft quote guidance was not verified on the official NBIC pages reviewed, despite being listed in the incumbent data.