Philadelphia Insurance Companies
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
PHLY’s verified current small commercial appetite centers on BOP/package business and niche commercial package segments. The PHLY BOP is designed for businesses with 25 or fewer employees across more than 150 eligible classes, including retail/service, office, restaurant, contractor, wholesale, habitational, and lessors risk. Preferred examples listed include barber/beauty/nail salons, clothing stores, florists, photographers, fitness/massage/yoga instructors, accountants, employment and insurance agencies, interior decorators, medical offices, veterinarians, casual/fast food/fine dining restaurants, carpenters, electricians, landscapers, painters, plumbers, residential cleaners, B2B wholesalers such as building materials, clothing/grocery distributors, hardware/tools, printing supplies, 1-4 family tenant-occupied dwellings, and commercial lessors risk for contractor/office/restaurant/retail/wholesale or mixed occupancies. Program limitations vary by segment and state; PHLY directs brokers to review approved states via the PHLY BOP state map/product guide and notes coverages are not available in all states. Operational eligibility notes include: restaurants should be established at least 3 years at the current location; full-cooking risks with deep fat frying/open flame need NFPA-compliant suppression systems serviced to commercial cooking requirements; contractors should have up to 10 employees and subcontracted work under 25% of annual revenue; wholesale risks should be at least 75% B2B; habitational risks must be exclusively tenant-occupied with a maximum of 4 units per location; lessors risk requires tenants eligible for the PHLY small commercial program, and owner occupancy over 10% of square footage should be rated as tenant-occupied using the owner’s business operation as the predominant class. Clear restrictions/poor-fit notes on the verified BOP appetite include wholesalers involving manufacturing, manufacturing representatives, or distributors selling directly imported goods; any habitational location not exclusively tenant occupied; habitational locations over 4 units; and residential exposure on lessors risk that should instead be quoted as habitational. PHLY highlights optional package enhancements such as tailored PHLY-PAC offerings, equipment breakdown, professional liability for select classes, EPLI, and cyber. Broader current niche-market guidance published by PHLY in 2026 shows active appetite for commercial package classes including human services/non-profits, agribusiness, habitational/real estate, recreation and entertainment, health and fitness, sports, public services, education, outdoor products, and certain industry services; it also notes manufacturing admitted GL is in select states only. For smaller package/umbrella opportunities, PHLY’s Small Business Unit uses a Quick Quotes process with typical 48-72 hour underwriter response, generally for package premium up to $20,000, with exceptions up to $30,000 for non-profit human/social services and driving schools. Verified SBU submission requirements are ACORD applications, a PHLY or competitor supplemental, and loss runs or a no-known-loss letter required to bind (not required to quote). PHLY instructs agents to submit new business through MyPHLY; the portal supports nearly all PHLY products, allows up to 4 products per submission, permits attachments, and excludes E&S, Surety, and Flood from the standard portal because those have separate portals. Practical broker notes: use MyPHLY for standard new business submissions, include need-by dates/effective dates/premium request in portal workflow, and expect state/segment-specific availability and underwriting review before terms are confirmed. No single verified official umbrella-only appetite page was found, but PHLY package and product pages indicate umbrella is offered within several niche programs rather than under a single centralized public underwriting guide.