SageSure Insurance Managers
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
SageSure operates as a coastal- and catastrophe‑focused managing general underwriter, distributing residential and small commercial property products on behalf of multiple carrier partners, primarily in catastrophe‑exposed and underserved coastal states. They are not a national standard‑preferred market; they are positioned for risks that traditional admitted carriers often restrict or non‑renew. Preferred business / target profile - Property risks in coastal and catastrophe‑exposed territories where standard carriers have reduced capacity, including much of the Gulf and Atlantic coasts and wildfire‑exposed areas in California and other western states. - Owner‑occupied single‑family homes and small commercial risks that meet carrier construction, protection and maintenance standards, with a strong emphasis on appropriate hazard mitigation (wind, hail, wildfire). Coastal and wildfire‑exposed business is explicitly within appetite in many programs, subject to distance‑to‑shore and wildfire‑brush rules.([sagesure.com](https://sagesure.com/homeowners-insurance/products/?utm_source=openai)) - Small and mid‑sized businesses eligible for BOP coverage across broad class lists (hundreds of classes) in industries such as offices, retail, restaurants, lessors risk/habitational, service and processing, artisan contractors, hotels/motels in some states, and other main‑street occupancies.([iamagazine.com](https://www.iamagazine.com/markets/sure-and-sagesure-launch-bop-in-texas-specializing-in-coastal-risks?utm_source=openai)) - Commercial BOP and property with TIVs generally up to the low‑ to mid‑eight figures per location (e.g., up to $15M TIV per location in California BOP) and liability limits commonly up to $2M occurrence, with higher aggregate/location limits depending on product.([iamagazine.com](https://www.iamagazine.com/markets/sure-and-sagesure-launch-bop-in-texas-specializing-in-coastal-risks?utm_source=openai)) Key products / structures - Personal lines: homeowners (HO‑3/HO‑5), dwelling fire (DP‑3), manufactured home, condo‑owners, landlord, and in some markets flood endorsements or companion flood products, written on multiple coastal‑focused carriers including SURE, SafePort, Coastal Select and others.([sagesure.com](https://sagesure.com/homeowners-insurance/products/?utm_source=openai)) - Commercial: small‑business BOP in select coastal and catastrophe‑exposed states, authored by SURE, SafePort, Markel (through Expanded Markets) and other partners, accessed exclusively via SageSure’s producer platform.([iamagazine.com](https://www.iamagazine.com/markets/sure-and-sagesure-launch-bop-in-texas-specializing-in-coastal-risks?utm_source=openai)) Geographic appetite / notes - Active focus on coastal states where coverage is scarce. States specifically referenced include: Alabama, California, Connecticut, Florida, Louisiana, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Oregon, South Carolina, Texas, Virginia and Washington for homeowners and related coverages, with state‑specific program availability varying.([sagesure.com](https://sagesure.com/homeowners-insurance/products/?utm_source=openai)) - In South Carolina, SageSure offers multiple personal and commercial products including residential, manufactured home, condo, dwelling fire and BOP. Surplus‑lines homeowners coverage is explicitly available on resort islands (e.g., Sullivan’s Island, Isle of Palms, Folly Beach, Kiawah, Seabrook, Edisto, Hilton Head), confirming an appetite for high‑hazard coastal properties subject to surplus‑lines rules and underwriting review.([sagesure.com](https://sagesure.com/agents/products/south-carolina/?utm_source=openai)) - In California, BOP appetite includes coastal risks at least 0.05 miles from shoreline and provides statewide availability, with explicit wildfire mitigation considerations. Underwriting manuals (referenced but not fully detailed publicly) govern detailed wildfire and hazard rules.([sagesure.com](https://sagesure.com/agents/products/california/?utm_source=openai)) - Texas, Louisiana, the Carolinas and Florida are repeatedly highlighted as key catastrophe‑exposed markets for both homeowners and BOP; Texas coastal capacity is a specific focus via SURE and other partners.([iamagazine.com](https://www.iamagazine.com/markets/sure-and-sagesure-launch-bop-in-texas-specializing-in-coastal-risks?utm_source=openai)) Underwriting approach / eligibility themes - Catastrophe focus: Programs are designed for wind, hail, hurricane and, in some states, wildfire‑exposed properties. Distance‑to‑coast, flood‑zone, brush‑zone and similar hazard criteria are in place, with specific distance and scoring rules detailed in internal underwriting manuals. Some products can write very near‑shore business (e.g., coastal capacity to 0.1 miles from shoreline in certain SURE BOP offerings), while others require minimum setbacks (e.g., 0.05 miles in CA BOP).([iamagazine.com](https://www.iamagazine.com/2024/03/04/sure-brings-bop-to-south-carolina/?utm_source=openai)) - Construction/occupancy/protection (COPE) driven: BOP underwriting explicitly focuses on ownership/management quality, construction type, occupancy, protection (e.g., fire protection class, sprinklers, alarms) and external exposures. Certain operations or higher‑hazard activities within a class may be restricted or subject to extra eligibility criteria.([iamagazine.com](https://www.iamagazine.com/2024/03/04/sure-brings-bop-to-south-carolina/?utm_source=openai)) - Personal lines eligibility is governed by detailed state guidebooks and underwriting manuals (not fully public). Available excerpts show: 100% new‑business inspections in some homeowners programs; broad age‑of‑home eligibility (no formal maximum age in at least one Louisiana HO program, subject to condition and inspection); and usage/occupancy rules favoring primary, well‑maintained, owner‑occupied dwellings, with specific rules for seasonal, secondary and vacant periods.([sagesure.com](https://www.sagesure.com/wp-content/uploads/sagesuredocs/SageSure-Florida-Guidebook-product.pdf?utm_source=openai)) - Many personal lines programs require acceptable prior insurance or have pricing/eligibility implications for no‑prior or lapse; details vary by state/program and are referenced in state guidebooks and eligibility overviews. Preferred business indicators - Well‑maintained properties with no significant unrepaired damage, no major outstanding hazards and satisfactory inspection results. - Homes and buildings with compliant roofs, electrical, plumbing and heating, and where applicable, mitigation features (e.g., wind mitigation, wildfire defensible space) that may qualify for credits. - Small businesses with stable ownership, clean loss history, straightforward operations and good housekeeping/protection, especially in the targeted BOP classes (offices, retail, restaurants, lessors risk/habitational, artisan contractors, professional offices, hotels/motels where allowed).([iamagazine.com](https://www.iamagazine.com/markets/sure-and-sagesure-launch-bop-in-texas-specializing-in-coastal-risks?utm_source=openai)) Restricted / declined risks (high‑level themes) - Extremely high‑hazard catastrophe exposures beyond stated program parameters (e.g., properties closer to the shore than product‑specific minimum distance, or in brush/wildfire areas exceeding internal scoring thresholds) are typically out of appetite. CA wildfire underwriting overviews reference segmented wildfire territories and distance‑to‑slope/vegetation criteria.([sagesure.com](https://sagesure.com/agents/products/california/?utm_source=openai)) - Certain business classes or operations within a class may be disallowed or require underwriter referral in BOP (e.g., higher‑hazard manufacturing, certain contractors, heavy habitational with poor protection or management); exact lists are program‑ and state‑specific and are controlled in internal class‑eligibility schedules.([iamagazine.com](https://www.iamagazine.com/2024/03/04/sure-brings-bop-to-south-carolina/?utm_source=openai)) - Personal‑lines guidebooks and eligibility overviews indicate closed or restricted counties and age‑of‑construction limits in some states (e.g., specific Florida counties closed or limited; older construction in some tri‑county areas ineligible), and likely disallowances for severe condition issues, prior large losses/fraud, or certain liability exposures.([sagesure.com](https://www.sagesure.com/wp-content/uploads/sagesuredocs/SageSure-Florida-Guidebook-product.pdf?utm_source=openai)) Submission / producer workflow - Access is limited to appointed SageSure producers. Producers enroll via a dedicated enrollment form and then quote/bind through SageSure’s proprietary agent portal. Expanded Markets (e.g., Markel and other partner carriers) are presented through the same platform, with underwriting authority either with the carrier or SageSure depending on product.([iamagazine.com](https://www.iamagazine.com/markets/sure-and-sagesure-launch-bop-in-texas-specializing-in-coastal-risks?utm_source=openai)) - Many programs are surplus‑lines; where noted, coverage must be placed through a duly licensed surplus‑lines broker (SageSure fulfills this role for certain offerings such as CA BOP and some homeowners programs). Retail producers should follow their agency’s surplus‑lines procedures and rely on SageSure’s platform for forms, disclosures and diligent‑effort documentation.([sagesure.com](https://sagesure.com/agents/products/california/?utm_source=openai)) - New business is heavily inspection‑driven in multiple states (some programs inspect 100% of new policies). Underwriters expect issues found in inspection reports to be remedied promptly, with possible mid‑term endorsement, surcharges or cancellation/non‑renewal if critical conditions are not addressed.([sagesure.com](https://www.sagesure.com/wp-content/uploads/Louisiana/LASICHO-3HO-5QRGIARev11012019.pdf?utm_source=openai)) Broker / producer notes - SageSure positions itself as a long‑term capacity provider in catastrophe‑exposed states; messaging emphasizes stability in markets where others are restricting or exiting, which can be used as a sales point with insureds facing non‑renewals.([sagesure.com](https://sagesure.com/homeowners-insurance/products/?utm_source=openai)) - Producer communications emphasize that individual carrier programs have their own underwriting manuals and eligibility matrices; agents should always refer to the specific state/program underwriting manual or eligibility overview within the SageSure portal for binding authority, class lists, distance‑to‑coast/brush rules, closed‑county lists and inspection/mitigation requirements. - For complex or borderline catastrophe risks, agents are generally directed to contact SageSure underwriting or their sales manager; specific contact details are provided in state guidebooks and marketing pages.([sagesure.com](https://sagesure.com/agents/products/california/?utm_source=openai)) Operationally, treat SageSure as a catastrophe‑centric MGA with program‑by‑state underwriting rules. Use the agent portal’s state/program manuals as the final word on binding authority, referral triggers, and disallowed risks, particularly for near‑shore, high‑brush, or otherwise extreme hazard locations.