Ontario 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
Verified official website is ontarioinsco.com. No formal underwriting manual, appetite guide, or broker-only submission guide was publicly available on the verified site at time of review; the closest official underwriting reference is the public Products page plus the agent onboarding page. Current published appetite indicates a New York-focused regional carrier writing through independent agents, with agency appointments limited to licensed New York State agents/agencies. Publicly listed preferred/published business includes personal lines such as homeowner (ACV or replacement cost), dwelling fire, rental property/landlord, dwellings under construction, farmowner, manufactured homes, owner-occupied bed & breakfast up to 5 rooms, boat owners, and inland marine/personal property floaters. Commercially, the company publicly promotes BOP/small business package business, commercial fire and general liability, special multi-peril, inland marine, equipment/mechanical-electrical-pressure systems breakdown, umbrella liability, home-based business, commercial bed & breakfast, craftsman/contractor-oriented '12/Pak' program, and a dedicated craft brewer program. Geography appears to be New York State only for agency distribution and likely core underwriting footprint, based on the official invitation to licensed New York agents and external company directory confirmation of New York domicile/writing authority. No public official page listed specific restricted, prohibited, or declined classes, occupancy hazards, protection-class limitations, coastal restrictions, age-of-home limits, or vacancy guidelines; therefore those items are not verified from public carrier materials and should be confirmed directly with underwriting before marketing borderline risks. Submission/process notes that are publicly stated: policyholders and prospects are expected to work through their agency; policy changes, evidence/certificates, and claim first notice are directed through the servicing agency; commercial audits/questionnaires must be completed when requested; and prospective appointed agents are instructed to complete the online Become an Agent form so marketing can contact the agency. Operationally, treat Ontario as a relationship-driven, local independent-agent market with visible appetite for personal property, farm/rural, landlord, small-package commercial, artisan/craftsman, bed & breakfast, and craft brewery risks, but without a publicly posted granular appetite matrix or declination list.