Pronto Insurance
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
Verified producer-facing guidance located in Pronto’s Pulse training system indicates the core underwriting focus is personal-use auto in Texas, supported by an independent-agent program also marketed in Texas. Published underwriting content is narrow and operational rather than a full appetite guide. Preferred business appears to be personal-use auto risks that fit Pronto’s standard personal auto program, with agents expected to evaluate customer needs and upsell optional coverages where appropriate. The published personal auto offering shows Texas minimum liability limits only at 30/60/25, UI/UIM offered at the same limits with a $250 deductible, PIP at $2,500 per passenger, and physical damage written on an ACV basis with $500 deductibles; collision and comprehensive are described as sold together, with rental and towing available only after an accident. Geographic notes: the independent-agent page emphasizes Texas and states the IA division is highly competitive throughout Texas; brand presence also references California, but the verified IA onboarding page specifically invites Texas agents and links separately for Texas and California. Submission/producer workflow notes are more developed than risk-class guidance: licensed producers must obtain Pulse login credentials from Pronto Licensing, complete profile/signature setup on first sign-in, and must not share system access. New applications require document upload in Pulse, signatures must be collected before payment processing, and e-signatures are supported through emailed application packets. Quote guidance notes TX driver license/ID prefill through HDR, manual entry when no license is available with automatic surcharge, confirmation of physical mailing address, collection of mobile phone number, manual entry of accidents/violations for rating accuracy, and SR-22 selection with proper TX DPS documentation. Broker/producer servicing instructions: independent agents may service only their own policies, while captive/virtual/franchise agencies may service each other’s policies. Agent-of-record changes must go through Underwriting, require the official form, insured acknowledgement, and are processed after underwriting review; Pronto publishes underwriting contact channels for these requests. Restricted/declined classes are not clearly published in the verified official sources reviewed; no formal list of prohibited vehicles, drivers, or commercial/hazard classes was found, so treat appetite beyond standard personal-use auto as not verified from official material.