Secura
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
General / distribution: - SECURA is a regional commercial, specialty, agribusiness, and farm carrier writing through appointed independent agents in 13 states. Appetite, hit lists, and underwriting tools are delivered via the secure AgentLink portal, not publicly posted; producers are expected to use AgentLink for detailed class-by-class guidance and online rating.([secura.net](https://www.secura.net/about/faq?utm_source=openai)) - New agents receive an onboarding contact from Agency Tech Support and local underwriters; underwriters are available for pre‑submission discussions and account review. AgentLink houses appetite guides, hit lists, sell sheets, and raters (including BizLink for small business).([secura.net](https://www.secura.net/agents/welcome?utm_source=openai)) Personal lines / Home: - SECURA is exiting the Personal Lines market (including home and auto). Effective Nov. 1, 2023, the carrier no longer accepts new personal home or auto business in any state; all existing personal lines business will be non‑renewed and fully exited by Dec. 31, 2025.([secura.net](https://www.secura.net/about/news-releases/secura-insurance-announces-exit-from-personal-lines-insurance-market?utm_source=openai)) - Operational note: Do not submit new homeowners or personal umbrella to SECURA; work with alternative markets for all new personal lines placements. Existing policies follow state‑specific non‑renewal timelines communicated directly to insureds and agents. Workers Compensation: - Active core commercial product written in applicable (non‑monopolistic) states. The public site emphasizes standard workers compensation protection with included Crisis Care services but does not publish detailed underwriting criteria.([secura.net](https://www.secura.net/business-insurance/workers-compensation-insurance?utm_source=openai)) - Preferred/target accounts (inferred from published small‑business and specialty materials): well‑managed small and middle‑market employers with established operations, emphasis on safety programs and return‑to‑work, and classes that align with their broader small business and specialty appetite (e.g., retail, services, hospitality, light manufacturing, farms, nonprofits, and special events organizers).([cdn.secura.net](https://cdn.secura.net/5e/fc/97d443c8468d866b031d153ed23a/2023-annual-report.pdf?utm_source=openai)) - Restricted/declined (general market pattern; confirm in AgentLink): very high‑hazard WC classes (heavy construction, certain transportation, large fleets, high‑severity industrial operations) and accounts with poor loss experience or weak safety controls are typically underwritten cautiously and may be declined or require significant pricing and risk‑control conditions. State‑fund monopolistic WC states remain out of appetite for standard WC placement. - Submission expectations (per agent materials): agents should use AgentLink/BizLink for eligible small WC accounts and coordinate with their underwriter on larger or more complex risks; complete ACORDs, detailed class descriptions, and current loss runs are expected for underwriter‑reviewed accounts.([secura.net](https://www.secura.net/agents/welcome?utm_source=openai)) Commercial Property (and Commercial Package / Small Business): - SECURA positions itself as a broad small‑business and middle‑market carrier with strong appetite for main street classes. Their annual report notes a broad small‑business appetite with 250+ eligible classes available in the BizLink online rater.([cdn.secura.net](https://cdn.secura.net/5e/fc/97d443c8468d866b031d153ed23a/2023-annual-report.pdf?utm_source=openai)) - Preferred/target property risks (inferred from specialties and marketing): - Small to mid‑sized main‑street commercial occupancies (professional offices, mercantile/retail, limited hospitality, light manufacturing) with good maintenance, updated utilities, and standard protections. - Agricultural and farm property, nonprofits, and special events venues that fit their agribusiness and specialty programs. - Small business classes that are enabled for straight‑through processing in BizLink; these are generally low to moderate hazard occupancies with stable operations. - Restricted/declined property: - Large TIV, CAT‑exposed, or highly specialized property schedules typically fall outside standard small‑business parameters and likely require individual underwriter review or may be declined based on concentration and CAT management. - High‑hazard property (heavy manufacturing, frame habitational with poor protection, vacant buildings, severe CAT or crime exposure) are likely subject to tight underwriting and may be out of appetite; agents should check hit lists and appetite guides in AgentLink before marketing. - Submission notes: use BizLink for small accounts; for larger or non‑standard property, underwriters expect detailed COPE information, diagrams/schedules, and current loss runs before offering terms.([cdn.secura.net](https://cdn.secura.net/5e/fc/97d443c8468d866b031d153ed23a/2023-annual-report.pdf?utm_source=openai)) Commercial Umbrella: - Umbrella is offered as part of the overall commercial and specialty package to extend limits over underlying GL, Auto, and Employers Liability. No public, line‑specific appetite document is posted; terms, limits and availability are driven by underlying account quality and class.([secura.net](https://www.secura.net/about/faq?utm_source=openai)) - Preferred: smaller, well‑controlled risks with clean loss history in classes already targeted by SECURA (small commercial, specialty events, agribusiness, farm). Umbrella capacity is typically more readily available when underlying policies are all with SECURA on standard forms. - Restricted/declined: high‑hazard umbrella exposures (e.g., large contracting, heavy trucking, large habitational, premises with severe products or liquor exposure) and risks with shock losses or poor liability controls will see reduced limits, higher attachment points, or declination. Specialty / Programs (relevant to WC, property, and umbrella cross‑sell): - SECURA highlights continued growth in Specialty Lines, including special events and a variety of niche small business segments. Their 2023 report lists key specialties such as festivals, hole‑in‑one events, farmers markets, pet care, hunting and fishing guides, and similar niches.([cdn.secura.net](https://cdn.secura.net/5e/fc/97d443c8468d866b031d153ed23a/2023-annual-report.pdf?utm_source=openai)) - The hunting and fishing guide product is positioned for professional guides providing outdoor experiences; preferred risks will follow strong safety practices, comply with state licensing, and manage participant waivers and safety briefings. Producers are instructed to work through independent agents to access this program and obtain quotes.([secura.net](https://www.secura.net/business-insurance/hunting-and-fishing-guide-insurance?utm_source=openai)) Geographic notes: - SECURA writes commercial, specialty, agribusiness, and farm business across 13 states (primarily Midwest and selected surrounding regions). The public site does not list a state‑by‑state appetite grid; appointed agents must confirm availability and any moratoriums via AgentLink or their territory manager.([secura.net](https://www.secura.net/about/faq?utm_source=openai)) - Personal lines exit: new personal lines are closed in all 13 states as of Nov. 1, 2023, with complete exit from personal lines (including home) planned by Dec. 31, 2025. Agents should move affected personal lines clients to other carriers prior to non‑renewal.([secura.net](https://www.secura.net/about/news-releases/secura-insurance-announces-exit-from-personal-lines-insurance-market?utm_source=openai)) Broker / producer operational instructions: - Appetite and underwriting details are considered agent‑only resources; producers must log into AgentLink for current hit lists, appetite guides, sell sheets, and rating tools.([secura.net](https://www.secura.net/agents/welcome?utm_source=openai)) - For new agency partners, SECURA provides direct contact with underwriters and sales managers; agents are encouraged to reach out proactively for pre‑submission guidance, complex account review, and clarification on appetite questions rather than relying on outdated materials.([secura.net](https://www.secura.net/agents/welcome?utm_source=openai)) - Submission quality expectations (implied from agent‑facing materials): complete applications, accurate class descriptions, thorough loss information, and safety/controls narratives will improve turnaround and binding likelihood, particularly for middle‑market and specialty accounts. Important caveat: - SECURA does not publish a public, line‑by‑line underwriting guide. The above is synthesized from public marketing and corporate reports and should be treated as directional only. For binding decisions, agents must rely on current appetite guides and instructions in AgentLink and consult directly with SECURA underwriters or sales managers.