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 currently publishes a verified small commercial appetite guide plus product/submission pages on its official site. Operationally, the clearest current underwriting direction is its PHLY BOP appetite: target accounts are small businesses with 25 or fewer employees across retail/service, office, restaurant, contractor, wholesale, habitational, and lessors risk segments. Preferred examples called out include barber/beauty/nail shops, clothing stores, florists, photographers, accountants, employment and insurance agencies, interior decorators, medical offices, veterinarians, casual/fast food/fine dining restaurants, carpenters, electricians, landscapers, painters, plumbers, residential cleaners, qualifying wholesalers, 1-4 family tenant-occupied dwellings, and commercial lessors whose tenant mix fits PHLY's small commercial program. Contractors should generally have up to 10 employees and subcontracted work under 25% of annual revenue. Restaurant business should be established at least 3 years at the current location, and any deep-fat frying/open-flame exposure requires NFPA-compliant suppression systems serviced to commercial cooking standards. Wholesale risks should be predominantly B2B (75%+), and PHLY specifically says manufacturing, manufacturers' representatives, and distributors selling directly imported goods are not a fit for that BOP program. Habitational is limited to non-owner-occupied 1-4 family dwellings, exclusively tenant occupied, with a maximum of 4 units per location. Lessors risk is for commercial building owners renting to businesses eligible for PHLY's small commercial program; if there is residential exposure, PHLY directs submission to the habitational category, and owner-occupancy over 10% of the building should be rated based on the owner's business operation rather than pure lessors risk. Geographic note: PHLY writes nationwide but says eligibility and program limitations vary by business segment and state of domicile; the appetite guide points users to a live approved-states resource rather than listing all states in the PDF. For submission handling, PHLY's Commercial Small Business Unit is a practical producer path for smaller package business nationwide, using a Quick Quotes process with 48-72 hour response/quote turnaround. That unit states package premium threshold of <=$20,000, with exceptions up to <=$30,000 for Non-Profit Human and Social Services and Driving Schools. SBU submission expectations are ACORD applications plus a PHLY or competitor supplemental, with loss runs or a no-known-loss letter required to bind but not required to quote. PHLY also offers online new business submission through MyPHLY. For larger real-estate/package-style commercial property business, PHLY's real estate page requires completed ACORD applications, currently valued loss runs for the current year plus the last three terms, and a rent roll showing each tenant, business type, occupied area, and rent per square foot. Broker/producer notes: PHLY emphasizes use of MyPHLY for new business submission and account servicing, provides risk management services as part of the value proposition, and directs producers to sales/marketing representatives where state or class eligibility is uncertain. No single verified official page was found that specifically sets umbrella-only appetite for broad commercial risks; umbrella appears to be offered within many niche package products, so umbrella fit should be evaluated in conjunction with the underlying class/program rather than as a broad standalone market.