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
Philadelphia Insurance Companies (PHLY) writes commercial P&C on a predominantly package basis with a strong focus on niche programs. Public-facing sites do not provide a current, carrier-owned, line-by-line appetite or underwriting guide; detailed rules, eligibility, and class lists are available to appointed producers only through MyPHLY and product applications. The following is inferred from current PHLY materials and public program pages and should be treated as directional rather than a substitute for MyPHLY rules. Preferred business / target profile - Accounts that fit one of PHLY’s established niche programs and packages (e.g., outdoor recreation and hospitality such as outfitters & guides, resort lodges, RV parks and campgrounds; non-profits; religious organizations; HOAs/PUDs; fitness/health clubs; craft breweries & distilleries; media and professional services). These niches have tailored package, property, GL, and umbrella forms and are actively marketed by PHLY. ([phly.com](https://www.phly.com/?utm_source=openai)) - Risks needing combined GL, property, inland marine and umbrella under a single carrier with access to PHLY’s risk management services (PHLYRMS) – especially organizations willing to engage in safety and loss control and accept recommendations from PHLY consultants. ([phly.com](https://www.phly.com/rms?utm_source=openai)) - Accounts where agents submit via MyPHLY’s New Business Submission portal with a clear description of operations, desired coverages/limits, and supporting documentation; PHLY emphasizes efficient handling of BOP and small to mid-sized commercial package business through this system. ([phly.com](https://www.phly.com/AboutPHLY/ContactUS/Help.aspx?utm_source=openai)) Restricted / declined tendencies (inferred) - Outside-appetite classes are generally those that do not fit any PHLY niche program or present high hazard exposures (e.g., heavy manufacturing, high-hazard contracting, habitational with poor maintenance, or unsupported monoline property/umbrella) – these are often steered to E&S or other carriers; specifics are gated in MyPHLY. - PHLY products are designed for admitted P&C placement on standard commercial risks; surplus lines or very distressed accounts are generally not a fit for standard PHLY paper and are handled instead through separate E&S arrangements referenced under PHLY’s Excess & Surplus Lines division. ([phly.com](https://www.phly.com/phly-names-new-chief-transformation-officer-three-deputy-cheif-underwriting?utm_source=openai)) - Media and other professional liability offerings focus on defined classes (e.g., film and program producers, distributors, publishers, broadcasters, spokespersons). Unusual or very high-hazard media risks outside those described classes may be declined or referred to specialty underwriting. ([phly.com](https://www.phly.com/mplDivision/professionalLiability/medialiability.aspx?utm_source=openai)) Geographic notes - PHLY is a national U.S. commercial carrier and member of Tokio Marine Group, actively writing in all or nearly all states; state-specific availability, wind/hail and CAT restrictions, and program-by-state offerings are controlled within MyPHLY and program materials rather than a single public appetite sheet. ([phly.com](https://www.phly.com/?utm_source=openai)) - Individual programs (e.g., outdoor recreation and hospitality) may have state-level eligibility, CAT, or coastal restrictions embedded in the product underwriting guidelines; these are not fully enumerated on public pages and must be verified on a per‑risk basis inside MyPHLY or with the program underwriter. ([phly.com](https://www.phly.com/products/outdoorproducts?utm_source=openai)) Submission requirements & process (operational) - Appointed agents/producers must use MyPHLY to quote and submit most new business. The New Business Submission portal allows agents to request coverage, enter desired premium, upload apps and supporting documents, and then track status as the submission moves through underwriting. A confirmation email is sent when the submission is reserved and assigned to underwriting. ([phly.com](https://www.phly.com/AboutPHLY/ContactUS/Help.aspx?utm_source=openai)) - Line-specific and program-specific ACORDs and supplemental applications are downloadable from each product page (e.g., media liability, outdoor products). Agents should use the PHLY-branded application packages listed on those pages, along with ACORDs, loss runs, and any required schedules. ([phly.com](https://www.phly.com/mplDivision/professionalLiability/medialiability.aspx?utm_source=openai)) - Risk Management Services (PHLYRMS) are tightly integrated with underwriting; underwriters may expect insureds – particularly in property, package, and umbrella programs – to cooperate with site surveys, recommendations, and training as conditions of quote or binding, especially in higher-hazard or larger-schedule accounts. ([phly.com](https://www.phly.com/rms?utm_source=openai)) Broker / producer notes - Access to detailed underwriting guidelines, appetite tools, and risk-specific resources is gated to appointed producers via MyPHLY. Producers can obtain applications, submit new business, and pull loss runs and policy documents only after logging into their MyPHLY account. ([phly.com](https://www.phly.com/AboutPHLY/ContactUS/Help.aspx?utm_source=openai)) - To become appointed, PHLY requires a business profile, E&O declarations page, and appropriate licensing; once appointed, producers may place even a small number of accounts, but are expected to use PHLY’s online tools for submission and servicing. ([server.dev1.pia.org](https://server.dev1.pia.org/category/philadelphiainsurancecos/NJ?utm_source=openai)) - Agents should manage expectations on turnaround time by using program-specific small-account pathways where available (e.g., outdoor products package/umbrella under $2,500 premium, where PHLY states a goal of faster quote turnaround). Larger or more complex package and umbrella risks will be subject to standard commercial lines underwriting review and may require additional information or risk control visits. ([phly.com](https://www.phly.com/products/outdoorproducts?utm_source=openai)) Important caveat - PHLY’s current, authoritative underwriting rules, eligibility criteria, and appetite for Commercial Property, Commercial Umbrella, and Commercial Package business are not fully exposed on public web pages. For specific class, limit, construction, and protection requirements – and for any borderline, high-hazard, or CAT-exposed risks – producers must rely on MyPHLY tools and/or direct communication with the PHLY underwriter or marketing representative rather than this public summary.