Oregon Mutual 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
High‑level status: • Oregon Mutual has exited all Personal Lines (home, auto, etc.) in all states, with a new‑business moratorium and non‑renewal of in‑force personal policies beginning effective January 2023. Current focus is Commercial Lines, including farm/ag. Personal‑lines manuals remain on file as regulatory/rate manuals but do not reflect an active appetite for new personal business. ([cdn.ormutual.com](https://cdn.ormutual.com/Portal/AgentResources/PDFs/agency_announcement_from_steve_patterson_20220908.pdf?utm_source=openai)) Homeowners / Personal Lines Property – legacy guidelines (for handling any remaining runoff or archival reference): • Preferred business: Standard or better construction, well‑maintained homes showing clear pride of ownership and good housekeeping/maintenance. Risks should meet carrier’s eligibility standards for construction, condition, and maintenance. ([forms.ormutual.com](https://forms.ormutual.com/shared/rate_manuals/ca_ho_uw_0715.pdf?utm_source=openai)) • Underwriting control: Final approval authority for any homeowners risk rests with the personal‑lines regional office underwriter, regardless of whether agency front‑line screening guidelines are met. Meeting guidelines does not guarantee acceptance or rating eligibility. ([forms.ormutual.com](https://forms.ormutual.com/shared/rate_manuals/ca_ho_uw_0715.pdf?utm_source=openai)) • Submission requirements: Agents are expected to perform front‑line underwriting and initial screening. A fully completed application must be submitted within 15 calendar days of the effective date of coverage for property risks. Incomplete or late submissions are subject to underwriting action or cancellation. ([forms.ormutual.com](https://forms.ormutual.com/shared/rate_manuals/ca_ho_uw_0715.pdf?utm_source=openai)) • Additional insureds: May be endorsed on homeowners policies at no additional premium, subject to underwriting approval and policy form allowances. ([forms.ormutual.com](https://forms.ormutual.com/shared/rate_manuals/ca_ho_uw_0715.pdf?utm_source=openai)) • Renewal underwriting focus: Payment history must show timely premium payment to remain eligible for renewal. Claims history is evaluated case‑by‑case, with one claim in five years generally acceptable; underwriters consider claim size, negligence, ongoing maintenance issues, potential for elevated exposure (e.g., wind or wildfire), and likelihood of recurrence. ([forms.ormutual.com](https://forms.ormutual.com/shared/rate_manuals/ca_ho_uw_0715.pdf?utm_source=openai)) • Risk factors: Underwriting is sensitive to exposures with greater‑than‑average susceptibility to specific perils such as wind or wildfire; such conditions may lead to additional underwriting scrutiny, restrictive terms, or non‑renewal as permitted by state regulation. ([forms.ormutual.com](https://forms.ormutual.com/shared/rate_manuals/ca_ho_uw_0715.pdf?utm_source=openai)) Personal Auto and other personal lines – legacy status: • Oregon Mutual historically wrote personal auto and other personal lines, with separate rate/underwriting manuals on file (e.g., California personal auto). Those manuals now apply only to historical/archived business as the company has discontinued all personal lines writings and is non‑renewing remaining policies. ([forms.ormutual.com](https://forms.ormutual.com/shared/rate_manuals/archive/ca_auto_c_1215.pdf?utm_source=openai)) Geographic notes: • Company historically served personal lines customers in OR, WA, ID, and CA; however, the September 8, 2022 announcement confirms exit from personal lines in all states. Remaining business, strategy, and appetite are focused on commercial lines, including farm and agriculture segments. ([cdn.ormutual.com](https://cdn.ormutual.com/Portal/AgentResources/PDFs/agency_announcement_from_steve_patterson_20220908.pdf?utm_source=openai)) Producer/broker operational notes: • For personal lines: Do not submit new Home, Boat/Watercraft, Auto, or other personal‑lines applications—personal lines new business is under moratorium and in‑force policies are being non‑renewed per the 2022 exit plan. Management communications direct agencies to transition affected personal accounts and focus future production on Oregon Mutual’s commercial offerings. ([cdn.ormutual.com](https://cdn.ormutual.com/Portal/AgentResources/PDFs/agency_announcement_from_steve_patterson_20220908.pdf?utm_source=openai)) • For any residual runoff or service work on existing personal‑lines policies (where still in force under state‑specific timelines), follow the filed personal‑lines underwriting manuals for documentation and eligibility references, but treat appetite as closed, with all exceptions subject to direct regional underwriter direction. Net effect for your use case (Home, Boat/Watercraft Quotes): • Oregon Mutual is no longer a viable market for new Homeowners or Boat/Watercraft quotes. Any guidance from the homeowners/property manual should be used only for handling legacy runoff or historical clarification, not for placing new business.