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
Officially published producer-facing guidance is limited, but current carrier materials clearly position The General / Permanent General as a personal auto market for independent agents serving non-standard and harder-to-place drivers. Preferred/target business includes personal auto risks needing affordable rates, flexible payment plans, and access for customers with complex driving histories, international licenses, prior lapses in coverage, SR-22 needs, and less-than-perfect credit. The public-facing company material also emphasizes broad accessibility rather than a tightly defined preferred-class appetite. No current official public appetite guide or class-by-class underwriting manual was verified. Accordingly, restricted or declined classes are not specifically published on the verified official pages reviewed. The producer agreement materials do confirm that business must be submitted and serviced in accordance with company underwriting, procedure, and product guidelines, but those detailed rules were not publicly accessible from verified current sources. Treat detailed class restrictions, vehicle eligibility, household/driver exclusions, and state-specific disqualifiers as portal-dependent or appointment-only guidance. Geographic notes: The General states it writes auto insurance in 46 states plus Washington, D.C., and another official page says it serves customers across 47 states; product offerings, coverages, discounts, payment plans, and features vary by state and program. Texas public disclosures indicate some Texas business is underwritten through Dairyland County Mutual Insurance Company of Texas or Old American County Mutual Fire Insurance Company rather than Permanent General entities, so carrier paper may vary by state. Submission/underwriting requirements visible from official sources: for quoting/binding specific premium indications, the company says it needs driver and vehicle details including name, address, driver’s license number, and VIN for all drivers and vehicles in the household. The producer agreement states brokers may solicit, quote, submit applications, and collect premiums only under company underwriting/procedure/product guidelines, and they do not have authority to bind coverage unless the company accepts the request and issues a policy number/policy. Existing agents are directed to sign in through the PGAC agent portal linked from the official agent page. Broker/producer notes: The current official agent page promotes appointment of independent agents and highlights bilingual support, training, marketing materials, dedicated sales support, and service for customers with complex driving records or international licenses. Historical appointment packet materials on the official site indicate each producer/officer/member involved in solicitation must complete an individual agent information form and attach current licenses, but these appear to be older onboarding documents rather than a current appetite guide. Operationally, use The General primarily as a non-standard personal auto outlet, confirm state availability and underwriting company by state, and rely on the appointed-agent portal for binding authority and granular eligibility rules.