Permanent General Assurance Company
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
Publicly available, detailed underwriting or appetite guidelines for Permanent General Assurance Company (The General) are not posted in an open, browsable format; producer access to rules and manuals is controlled behind the PGAC MARS/agent portal. Based on carrier positioning and official information, the following operational summary reflects what is currently knowable without access to the secure portal: • Product focus / preferred business - Specializes in non-standard personal auto for higher-risk drivers (e.g., prior violations, accidents, lapses, SR‑22/financial responsibility filings). ([en.wikipedia.org](https://en.wikipedia.org/wiki/The_General_%28insurance%29?utm_source=openai)) - Direct-to-consumer brand with agency/broker channel supported through Permanent General Companies producer appointment packets rather than traditional open-broker manuals. ([thegeneral.com](https://www.thegeneral.com/content/file/CA_-_The_General_Application_Packet_Feb._2016_.pdf?utm_source=openai)) - Target use is personal auto liability and related coverages for operators who may not qualify with standard carriers; underwriting and rating are highly rules-driven and controlled centrally. • Restricted / declined business (inferred patterns) - As a non-standard personal auto market, The General is generally not a fit for preferred/ultra-preferred drivers who can place with standard carriers at better terms. - Placement authority and eligible risk classes are governed by internal “Underwriting, Procedure and Product guidelines,” which the company may change by written notice to producers and which producers are contractually required to follow. ([thegeneral.com](https://www.thegeneral.com/content/file/CA_-_The_General_Application_Packet_Feb._2016_.pdf?utm_source=openai)) - The broker agreement explicitly prohibits writing any class of risk or specific risk that the company’s underwriting rules indicate is not to be insured; any such placement outside guidelines is at the producer’s E&O exposure. ([thegeneral.com](https://www.thegeneral.com/content/file/CA_-_The_General_Application_Packet_Feb._2016_.pdf?utm_source=openai)) • Geographic notes - The General operates across the U.S. personal auto market; specific state eligibility, rate and form usage, and state-specific underwriting rules are managed centrally and, in Texas and similar states, are filed as underwriting guidelines with the state DOI but are not summarized for public marketing use. ([tdi.texas.gov](https://tdi.texas.gov/company/underwriting-guidelines.html?utm_source=openai)) • Submission / placement requirements - Producer access to rating and policy issuance is via the PGAC MARS/agent portal; login and password management are handled through pgac.com, and all underwriting workflows, questions, and referrals are executed within that controlled system. ([pgac.com](https://www.pgac.com/mars/register/verifyPassword.jsp?utm_source=openai)) - Producer appointment packets for Permanent General Companies require agency and individual agent information, including licenses, before producers may submit or bind business. ([thegeneral.com](https://www.thegeneral.com/content/file/all_appt_pack.pdf?utm_source=openai)) - The broker/producer agreement states that The General can change underwriting, procedure, and product guidelines with written notice; producers are obligated to keep current with such notices and apply them prospectively to all submissions. ([thegeneral.com](https://www.thegeneral.com/content/file/CA_-_The_General_Application_Packet_Feb._2016_.pdf?utm_source=openai)) • Broker / producer conduct and authority - Producers are not agents of the company for policy issuance or alteration and have no authority to change, waive, or expand any policy term, condition, or provision; any change must come from the company. ([thegeneral.com](https://www.thegeneral.com/content/file/CA_-_The_General_Application_Packet_Feb._2016_.pdf?utm_source=openai)) - Producers may not distribute The General’s rate guides, rating tools, or underwriting guidelines outside their own staff and may not submit or service policies on behalf of individuals not employed by their agency. Breach can result in immediate termination of the producer agreement. ([thegeneral.com](https://www.thegeneral.com/content/file/CA_-_The_General_Application_Packet_Feb._2016_.pdf?utm_source=openai)) - The company retains the right to contact insureds directly (for service, information, or premium collection) regardless of producer involvement. ([thegeneral.com](https://www.thegeneral.com/content/file/CA_-_The_General_Application_Packet_Feb._2016_.pdf?utm_source=openai)) Practical note: For current, granular underwriting appetite (vehicle types, driver profiles, SR‑22 specifics, state-by-state restrictions, prior loss thresholds, etc.), an appointed producer must log in to the PGAC MARS portal or reference the most recent written underwriting bulletins and manuals distributed by The General, as these details are not published on an open webpage.