Republic Indemnity
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
Republic Indemnity is a workers’ compensation specialist with broker-facing appetite guidance centered on California, while product availability is broader across selected Western and central states. Current public guidance highlights six California target sectors where Republic says over 90% of its new California mid-market business is being written: contractors, healthcare, manufacturing, hospitality, property management, and debit mod accounts. The carrier states it writes over 80% of California class codes and that all accounts are individually underwritten, so target sectors are a priority signal rather than a hard cap. Manufacturing remains an active focus area with a dedicated appetite sheet: preferred characteristics include most classes at $10,000+ minimum premium, limited delivery/off-premises exposure, group medical insurance for production staff preferred, formal safety plan, machine guarding, lockout/tagout procedures, and majority automated/CNC processes preferred for metal/wood operations. Republic specifically notes a preference to avoid press brakes and conventional punch presses in metal operations, and loss control pre-inspection may be required case by case. Representative manufacturing classes called out include bakeries, dairy, meat, fruit/vegetable processing, breweries, wineries, bottling, food products, clothing, other textiles, pallet/box, cabinets, doors/windows, wood products, furniture, paper products, sheet metal, machine shops, electroplating, tools/hardware, automotive manufacturing-related classes, tube/pipe, appliance/equipment, and other metal goods. Some marked manufacturing classes under $35,000 are eligible for online quotes. For small business, Republic’s current brochure says eligible accounts under $50,000 premium submitted through the Producer Portal may qualify for instant decision, and in some cases instant quote/bind; minimum premium starts at $1,000. The small-business industry groups highlighted are automotive, contractors, healthcare, hospitality, manufacturing, office/professional, print/media, property management, and retail/wholesale. Submission handling is broker-controlled: Republic only accepts submissions from appointed brokers, with submissions sent directly to the assigned underwriter or regional intake email; the website also promotes portal submission for speed, better workflow consistency, potential higher commission opportunity, and agency-applied credits on eligible small business. Broker resources indicate numerous class-specific supplemental applications are in use, including for contractors, agriculture, automotive, cabinet shops, clothing manufacturers, home health care, hotels, janitorial, landscaping, machine shops, property management, restaurants, research and development, residential living centers, and others, suggesting supporting supplemental documentation is expected for many classes. Geographic notes are mixed across public pages: the legal disclosure page says products are available in California, Alaska, Arizona, Nevada, Oregon, Idaho, Montana, Utah, New Mexico, Texas, Colorado, Kansas, and Missouri, while the manufacturing appetite PDF lists availability through California, Alaska, Arizona, Nevada, Oregon, Idaho, Montana, Utah, New Mexico, Texas, and Colorado. Because the target-sector strategy and most detailed appetite language are explicitly California-focused, brokers should confirm state availability and class appetite with the underwriter for non-California risks. Additional broker notes: Republic does not write stand-alone USL&H; incidental USL&H may be discussed with the underwriter on a specific policy. Pay-as-you-go payroll is available with no rate differential according to the broker FAQ, and Republic states it does not charge a fee for that option, though third-party payroll integrations may involve outside fees. Operationally, the best-fit submission appears to be an appointed broker presenting California-focused workers’ compensation risks, especially in the named target sectors, with complete class-specific supplementals and safety/process details where applicable.