Ohio Mutual 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
Verified current public website is Ohio Mutual’s main site. Verified official underwriting/appetite material located for Businessowners Program and Home; the supplied Ohio BOP manual remains publicly hosted as an official Ohio Mutual PDF and appears to be the clearest accessible underwriting guide. Company footprint on the official site states Ohio Mutual writes business in seven states and added Indiana in 2019; named regions shown for agency distribution include Ohio, Indiana, Connecticut, Rhode Island, Maine, New Hampshire, and Vermont. Commercial/BOP: official Ohio BOP manual reflects a small-main-street/property-oriented appetite with agent use of e-Quip’d and limits on binding authority for certain coverages. Practical fit appears to be standard BOP-eligible risks rather than unusual hazards; the manual specifically notes sewer/drain/sump backup beyond e-Quip’d availability requires underwriting review, with a Water Back-up Risk Rating Report ordered when higher limits are requested. Home: official Home/Ultra-Home guide is still publicly available but states the HP and UHP programs are closed for new business; guidelines continue to apply to changes and renewals. Home submission/binding notes include agent binding authority only within guide restrictions, completed signed forms due within 30 days, and required supplements/photos. Required photos include front and back of dwelling plus all outbuildings whether insured or not. Home risks specifically listed for company referral include dangerous/vicious dogs or bite history, swimming pools/ponds, trampolines, oil/gas wells, and well-known personalities/public figures. Personal lines prohibited or declined risks listed in the guide include vicious/aggressive or exotic animals, knob-and-tube wiring, less than 100-amp electrical service, felony conviction in prior 5 years, log homes, EIFS homes, certain loss-history issues, seasonal/secondary occupancy for Ultra, many manufactured/mobile home limitations, and solid-fuel-burning-device restrictions. Broker/producer notes: Ohio Mutual emphasizes independent agents, training/CE support, and directs prospective agencies to contact regional field sales managers; Agent Access/e-Quip’d is the operational platform referenced for quoting/submission. No verified public standalone commercial umbrella appetite guide or newer public producer appetite page was found in this refresh, so operational use should treat the verified BOP manual and agency-facing materials as the best publicly available guidance and confirm nonstandard or umbrella opportunities through Ohio Mutual underwriting/field sales.