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
Pearl Holding Group is a Florida-focused managing general agent representing Ocean Harbor Casualty Insurance Company and Equity Insurance Company. The official site states the group solely specializes in personal auto insurance and emphasizes basic-limits business sold exclusively through independent agents. Current public-facing guidance verified on the official site supports a narrow appetite centered on Florida personal auto risks rather than broad commercial or multiline opportunities. Product information highlights standard personal auto coverages including liability, PIP, physical damage, rental reimbursement and roadside-type options. Public policy/product language indicates important restrictions consistent with a nonstandard/basic-limits personal auto program: vehicles must be specifically scheduled; autos owned by the insured or resident relatives but not listed are excluded; vehicles with fewer than 4 wheels are excluded; family-member bodily injury claims are excluded under liability; and coverage materials note limits around non-owned, rental, temporary substitute, and certain use situations. The available public materials do not provide a standalone broker appetite guide or explicit class-by-class declination list, but the published positioning suggests this is not a market for commercial auto, fleets, motorcycles, or other non-personal-auto classes. Geographic note: the company describes itself as operating in Florida and provides Florida regional contact numbers, so the verified public appetite appears Florida-only. Submission/distribution note: policies are sold exclusively through independent agents, and the site provides an agent/producer system login plus underwriting contact information for service and submissions. Broker/producer instructions publicly available are limited, but practical routing details include underwriting email underwriting@pearlholding.com, underwriting/customer service fax (954) 584-9955, and a producer-facing login portal on InsuranceNow. No newer official underwriting or appetite page with detailed eligibility grids, target tiers, binding rules, or submission checklists was found on the verified public site.