Roamly Insurance Group
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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
Roamly Insurance Group, LLC is an AI-driven insurtech and licensed general agent that distributes personal and embedded insurance products for RVs and other mobility/enthusiast risks in the U.S. and Canada. Policies are underwritten by partner carriers (e.g., Spinnaker, Progressive, Safeco, National General, Mobilitas and others) and, for certain programs, on Lloyd’s paper via Roamly’s delegated underwriting authority as a Lloyd’s coverholder. Preferred/target business: - Recreational vehicles used for personal and peer‑to‑peer rental/marketplace activity, especially units rented via Outdoorsy and other mobility marketplaces. Roamly’s core differentiator is removing or replacing standard commercial-use exclusions so RVs and similar vehicles are explicitly allowed to be listed and rented online. - Travel and enthusiast market risks where coverage can be embedded at the point of sale or booking (RV rentals, trip insurance, pet insurance, and mobility marketplace coverages). - Home, auto, specialty, and mobility marketplace consumers in the U.S. and Canada where Roamly can leverage its digital platform and actuarial data for real‑time pricing and underwriting. Restricted/declined classes (inferred, not formally published): - Roamly positions itself as a program manager/insurtech rather than a broad admitted carrier; appetite is focused on RVs and mobility/marketplace-related personal lines. Large stand‑alone commercial fleets, unrelated commercial P&C lines, or non‑mobility commercial property/casualty are generally outside focus and should be placed directly with traditional commercial markets. - Final eligibility, driver/mileage criteria, vehicle age, and conversion standards follow the underlying issuing carrier’s rules (e.g., Progressive, Safeco, Spinnaker). Edge use cases such as older units, full‑timer risks or heavily custom/DIY conversions may be restricted or declined depending on carrier and state; consult the specific carrier program if a risk does not quote cleanly through Roamly’s portal. Geographic notes: - Roamly is licensed as an agency in the U.S. states where its products are offered; availability, terms, rates and discounts vary by jurisdiction. It does not represent that products are available in states where it is not licensed or does not currently write. - RV, home, auto and related personal lines are described as available "across the United States," with staged rollouts by state for proprietary RV programs. - Roamly has expanded into Canada via acquisition of Canadian Access and formed an enterprise partnership with Aviva, with a Canadian headquarters in Toronto. Canadian offerings focus on home, auto, specialty and mobility marketplace insurance; appetite and details follow Canadian partner carriers and must be confirmed per province. Submission/placement and underwriting process: - Roamly acts as a digital agency/program manager: quotes and submissions are intended to be completed via its online front‑end and embedded flows with partner marketplaces (e.g., Outdoorsy and other RV/mobility platforms). The platform is designed to underwrite risk in near real time using large actuarial data sets, with automated pricing and policy issuance. - For RV and mobility marketplace programs, coverage is typically embedded in the booking or platform workflow; required information includes vehicle details, usage (including rental/peer‑to‑peer activity), driver information and trip parameters. - For enterprise/white‑label partners (insurers and marketplaces), Roamly provides a software platform and delegated underwriting capabilities (including Lloyd’s coverholder authority) so that partners can integrate Roamly’s underwriting, rating, and policy administration into their own digital journeys. These relationships are governed by specific program agreements rather than open-market broker submissions. Broker/producer notes: - Roamly identifies itself as a licensed general agent and digital insurance provider, not the primary risk‑bearing carrier. Policies are written on partner carrier paper; producers should be clear with insureds about which insurer is on the declarations page and that coverage is subject to that carrier’s policy terms and conditions. - As a Lloyd’s coverholder, Roamly can underwrite directly on Lloyd’s paper for certain marketplace and shared‑mobility programs, which may broaden capacity or allow customized wordings. Any such placements will still be governed by Lloyd’s compliance and governance standards, with Roamly operating under delegated authority. - Distribution emphasis is on digital, embedded, and marketplace channels; traditional open‑broker wholesale submissions outside Roamly’s niche (RV and mobility/enthusiast embedded products) are not the focus and may need to be redirected to conventional markets. No public, carrier‑style producer manual or detailed class-by-class underwriting guideline is published; appetite and specific rules are largely embedded in Roamly’s online rating and the underlying partner‑carrier programs. For any non‑standard risk within RV/mobility segments, brokers should expect program‑specific underwriting criteria and potentially varying eligibility by state or province.