Pearl Holding 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 official guidance indicates Pearl Holding Group operates as a managing general agent for Ocean Harbor Casualty Insurance Company and Equity Insurance Company and solely specializes in personal auto insurance, with policies sold exclusively through independent agents. Current public-facing appetite is narrow: Florida-focused personal auto with basic-limit coverage options. Public product materials show standard personal auto coverages including liability, PIP, UM, collision, and comprehensive. Geographic note: the company states it has operated in Florida since 1991, and the public contact structure is organized around Florida counties/regions, supporting a Florida-centric distribution and servicing footprint. No public commercial lines, homeowners, specialty, or non-auto appetite guidance was found on the official site. Publicly stated restrictions/exclusions include no liability coverage for vehicles owned by or regularly available to the insured or resident relatives unless specifically listed on the policy, no coverage for vehicles with fewer than 4 wheels, and no family-member injury claims under liability; PIP excludes injuries in owned-but-unlisted autos and injuries to other vehicle owners who must carry their own coverage; comprehensive excludes certain electronic/sound equipment, tapes/media, radar detectors, undeclared camper bodies, pre-existing damage, and customized equipment; collision and comprehensive are not provided for rental vehicles or temporary substitute vehicles. Submission/producer notes: business is distributed exclusively through independent agents; the site offers an Agent Login but no public broker appetite guide, class list, or submission checklist was found. Public underwriting contact details are provided for Underwriting & Customer Service at underwriting@pearlholding.com, fax (954) 584-9955, mailing address P.O. Box 451119, Sunrise, FL 33345. No detailed public producer instructions, broker appointment steps, target-driver segmentation, or formal decline list were verified beyond the policy/product exclusions and the stated personal-auto-only focus.