Quincy Mutual Fire 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
Quincy Mutual’s published commercial appetite is retail-facing and product-level rather than a detailed underwriting manual. For commercial property/liability, its Business Owners Policy targets eligible mercantile, office, service, wholesale, apartment, and condominium exposures, and is described as suitable for small, intermediate, or large businesses. The BOP includes optional Business Owners Extension/Extension Plus enhancements, with professional liability options and a commercial umbrella endorsement available. For accounts that are not BOP-eligible, Quincy publishes a Commercial Package Policy for Massachusetts only, aimed at apartments, office, retail/wholesale, and light manufacturing/processing operations. For commercial auto, Quincy states the program is intended for small to intermediate auto exposures and covers private passenger vehicles, light to medium trucks, and trailers used in service, retail, or commercial operations, with liability limits up to $1,000,000 and additional Auto Plus endorsement options. Geographic notes published on product pages: Commercial Auto is available only in Massachusetts, Connecticut, and Rhode Island; Commercial Package Policy is available only in Massachusetts; the BOP page does not state a general territory limitation, but Quincy also posts New York commercial lines policyholder notices on the BOP page, indicating at least some NY commercial-lines servicing/disclosure activity. No formal public declined-classes list, hazard restrictions, protection requirements, loss-history thresholds, or submission checklists were found on the official site. Operationally, the clearly preferred classes are low- to moderate-hazard mercantile/office/service/wholesale habitational-type property risks and small-to-intermediate vehicle fleets; light manufacturing/processing appears acceptable through CPP when not BOP-eligible. Submission/producer notes: Quincy distributes through independent agents, directs insureds/prospects to contact an existing Quincy agent or use the agent locator, and provides a dedicated underwriting/marketing team to appointed agents. For agency appointments, Quincy invites inquiries from agents, expects high professionalism, continuing education, a record of financial stability/profitability with carriers, and commitment to a minimum premium level; appointment inquiries are directed to the Marketing Department. Public contact points include underwriting and endorsements phone/fax contacts, but no public broker portal submission instructions or appetite guide were found beyond the agent login and for-agents page.