Penn National
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
Penn National writes through independent agents only and markets across a regional footprint, with business products broadly described in about 11 states and personal lines currently shown in Iowa, Maryland, Minnesota, North Carolina, New Jersey, Pennsylvania, Tennessee, Virginia, and Wisconsin. For Homeowners, published guidance is product-oriented rather than a formal appetite guide: the carrier highlights standard owner-occupied home business with additional coverages such as underground utility, loss assessment, and identity theft, plus pricing features tied to companion personal auto, age-of-roof, retired day-time occupancy, and loss-free characteristics. It also separately promotes Dwelling Fire for owned residential rental properties, suggesting comfort with small residential rental exposures. No official public home decline list or hard underwriting stop list was found on the verified site, so restrictions should be treated as not publicly published rather than absent. For Workers' Compensation, Penn National states it writes WC in most of its operating territory and emphasizes managed care/provider network support plus a PayGo billing option subject to eligibility. Publicly posted business targeting indicates a preference for small-to-midmarket Main Street and light-to-moderate hazard classes, especially contractors and artisan contractors, janitorial services meeting preferred criteria, auto parts stores, auto repair/service, beauty/barber shops, beverage stores, business class hotels, car washes, metal goods manufacturing, mini-warehouses, pharmacies, printers, restaurants, and offices/professional services. Enhanced industry packages are specifically promoted for hotels, printers, manufacturers/industrial operations, restaurants, and wholesalers, which signals preferred packaging opportunities rather than monoline transactional business. Published operational restrictions/controls are mostly indirect: janitorial is limited to select accounts meeting preferred criteria; subcontractors without valid WC coverage may be charged to the insured; certificates of insurance for subcontractors should be secured at hire; payroll reporting is mandatory on PayGo and failure to report can lead to cancellation under state rules; and wrap-up/OCIP projects should be disclosed and endorsed before job start to avoid audit issues and duplicate charges. Geographic notes are important: personal lines territory is explicitly listed on the current personal-lines flyer, and policies for domiciled businesses in Iowa, Minnesota, and Wisconsin are underwritten through affiliate Partners Mutual Insurance. Submission and distribution expectations are agency-centered: business and personal customers are directed to local independent agents, and prospective agency partners are expected to have a roughly 30-40% personal / 60-70% commercial mix, at least five years in business, and a path to at least $500,000 combined premium within four calendar years; commercial-lines-only appointments may be considered selectively. Broker/producer handling notes available publicly include use of PennConnect for appointed independent agents, attention to premium-audit documentation, and proactive collection of subcontractor COIs and wrap-up details. Overall, the verified public guidance supports positioning Penn National for regional independent-agent business, especially packaged commercial and standard personal home placements, but does not provide a public detailed decline matrix for homeowners or workers comp classes.