Orion
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
Carrier overview: Orion Insurance Intermediaries is a wholesale-focused MGA providing modular management and professional liability solutions (Public, Private, NFP, and Financial Institutions) on a nationwide basis through a network of wholesale broker partners. The site emphasizes deep underwriting expertise and an appetite for complex risk in D&O, EPLI, Fiduciary, and Crime. No formal public appetite guide, class list, or prohibited risk schedule is posted; underwriting details are primarily embedded in product descriptions and application/supplemental forms. Preferred business / target insureds: - Entity types: Public companies, private companies, not-for-profit organizations, and financial institutions, all purchasing management and professional liability coverage. ([orion-ins.com](https://orion-ins.com/home/)) - Coverages: - D&O: Leadership liability for wrongful acts in managing the company (Public, Private, NFP forms). ([orion-ins.com](https://orion-ins.com/products/)) - EPLI: Employment-related claims such as discrimination, wrongful termination, harassment; available for both public and private entities via supplemental applications. ([orion-ins.com](https://orion-ins.com/products/)) - Fiduciary: Those managing employee benefit plans for public and private entities, plus not-for-profits where applicable. ([orion-ins.com](https://orion-ins.com/products/)) - Crime/Fidelity: Commercial crime application offered as an additional supplemental/stand‑alone form for eligible entities. ([orion-ins.com](https://orion-ins.com/applications/)) - Risk profile: Marketing language highlights “tailored” and “structured and customized solutions” with an “appetite for complex risk,” especially in management/professional liability for public, private, financial services, and NFP entities; expect a focus on well-run organizations with clear governance and risk management. ([orion-ins.com](https://orion-ins.com/home/)) Restricted / declined classes (inferred operationally): - No explicit declined-class list is published on the public site or applications page. - Given the specialist, management-liability focus and wholesale-only distribution, Orion should be treated as **not** a market for standard GL, property, WC, auto, or personal lines; those exposures would need separate carriers. - All high-hazard management liability classes (e.g., distressed financial institutions, bankruptcies, severe prior securities or regulatory loss history) are likely individually underwritten and may be restricted or declined; refer cases through wholesale partners for pre‑screening. Geographic notes: - Site states Orion Insurance Intermediaries works with “a nationwide network of wholesale partners” and is based in La Jolla, CA. This implies a U.S.-focused footprint with national reach via wholesalers; actual state availability and carrier paper are not detailed publicly and must be confirmed with the relevant wholesaler or Orion contact. ([orion-ins.com](https://orion-ins.com/home/)) Submission requirements & workflow (operational guidance): - Distribution: Access is via approved wholesale partners only (Amwins, CRC, Burns & Wilcox, RPS, US Risk, etc., listed as partners). Retail agents must route submissions through one of these wholesalers. ([orion-ins.com](https://orion-ins.com/home/)) - Applications: Orion hosts a centralized Applications page with entity-specific new business, renewal, supplemental, and sample policy forms: - Public Entities: Public D&O, EPLI, and Fiduciary supplementals plus public-company new business and renewal apps, and a sample public policy. ([orion-ins.com](https://orion-ins.com/applications/)) - Private Entities: Private D&O, EPLI, Fiduciary supplementals; private-company new business and renewal apps; sample private policy. ([orion-ins.com](https://orion-ins.com/applications/)) - Not-for-Profit: NFP sample policy and separate new and renewal applications. ([orion-ins.com](https://orion-ins.com/applications/)) - Financial Institutions: FI new-business application plus multiple supplementals (Real Estate Fund, Family Office, Mutual Fund). ([orion-ins.com](https://orion-ins.com/applications/)) - Additional Supplementals: Commercial Crime application, Wage & Hour EPLI supplemental, No Known Loss letter, Higher Limit Warranty letter. ([orion-ins.com](https://orion-ins.com/applications/)) - Practical submission steps for brokers: - Use the appropriate Orion entity-specific application (Public/Private/NFP/FI) plus all relevant supplementals (EPLI, Fiduciary, Crime, Wage & Hour, fund or family office forms) from the Applications page. - Expect to provide standard management liability underwriting data: details on operations, financials, ownership structure, prior or pending litigation, prior coverage and loss history, employee counts and HR practices, and plan details for fiduciary risks. - Include No Known Loss letter when requested (typically for renewals or limit increases) and Higher Limit Warranty letter for excess/raised limits placements, using Orion forms. ([orion-ins.com](https://orion-ins.com/applications/)) - Submissions and questions are routed via wholesale partners or directly to Orion’s contact email listed on the site; specific email addresses for underwriters are not provided publicly. ([orion-ins.com](https://orion-ins.com/home/)) Broker / producer notes: - Orion positions itself as an underwriting-focused MGA (“Where underwriting meets understanding”) that delivers “priority access to structured and customized solutions for target insureds” through its wholesale partners; expect underwriter involvement on most accounts, especially complex or financial institution risks. ([orion-ins.com](https://orion-ins.com/home/)) - Retail agents should confirm which wholesale brokers have access to Orion and follow that wholesaler’s specific submission format and contact protocols. - For appetite clarification or borderline risks, wholesalers are encouraged to contact Orion directly, leveraging the applications and supplementals as a framework for what information Orion expects. No formal, public-facing underwriting guide or appetite grid was located; guidelines above are inferred from the products, applications, and distribution model. For definitive class-specific appetite, minimum premium, and state eligibility, consult Orion via an appointed wholesale partner.