Pekin
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 commercial guidance is marketing-oriented rather than a formal public appetite guide. Pekin’s current business insurance page positions the carrier for small-to-midmarket business accounts needing general liability, commercial property, business auto, umbrella, workers compensation, and optional coverage enhancements. Publicly highlighted target segments include contractors, retail/service, garage/auto care, restaurants, and office risks. Pekin also maintains dedicated industry pages for contractor classes and auto care services, indicating active interest in artisan/trade contractors and garage-related businessowners accounts. Contractor-focused public pages specifically call out landscaping, plumbing, flooring, painters, masonry, electricians, janitorial, homebuilders, HVAC, carpentry, and flatwork concrete as supported classes. Auto care guidance highlights auto maintenance and repair, detailing/cosmetic services, auto body/structural services, tire and wheel, auto glass, and service stations/general auto services. Restaurant guidance emphasizes coverage for slip/fall liability, food spoilage, liquor liability, cyber, business income, and workers compensation, suggesting a target for standard restaurant risks that need packaged operational coverages. Coverage enhancements currently promoted include EPLI, equipment breakdown, contractor inland marine/IMPAC, contractors E&O, employee benefits liability, business interruption, employee dishonesty, data compromise, and business property in transit. Commercial umbrella is positioned over GL and commercial auto and is recommended where insureds have company vehicles, heavy machinery, public foot traffic, operations at others’ premises, customer property in custody, or higher injury exposure. Workers compensation is a meaningful public focus; Pekin emphasizes Nurse On Call, return-to-work, bill review, pharmacy management, diagnostics, durable medical equipment, nurse case management, vocational rehabilitation, and local claim handling. Loss control support is also a notable underwriting/service feature, with onsite consultations, property/liability surveys, fleet safety assessments, WC exposure assessments, OSHA compliance guidance, large-account service, safety talks, streaming training, checklists/forms, and safety management guidance. Geographic notes: business insurance is publicly shown as available in Arizona, Illinois, Indiana, Iowa, Michigan, Ohio, Utah, and Wisconsin; personal insurance is shown in Arizona, Illinois, Indiana, Ohio, and Wisconsin; Iowa business appears available without personal lines on the products-by-state page. Workers compensation toolkit pages specifically support Arizona, Illinois, Indiana, Iowa, Michigan, Utah, and Wisconsin, and Pekin’s financial information states Pekin Select Insurance Company currently offers workers compensation insurance. No formal public list of prohibited, restricted, or declined classes was found on the verified official site, so any declinations should be treated as undisclosed and handled through agency submission or underwriter review. Submission/broker notes: Pekin consistently directs prospects to work through a local licensed independent agent; public-facing material does not provide a direct online commercial submission portal or broker appetite matrix. For agencies, Pekin emphasizes the independent agency system and provides agent login / agency partnership resources, but no public commercial submission checklist was verified. Operationally, expect agent-mediated submissions, especially for contractor, restaurant, garage, and workers compensation risks, with value placed on loss-control engagement and return-to-work practices for WC business.