Service Lloyds Insurance Company
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
Service Lloyds / Service Insurance currently presents itself as a specialist workers compensation carrier only, with no separate public appetite guide or detailed class-by-class underwriting manual found on the official site. Public positioning indicates a broad workers compensation focus for businesses of all sizes and across many industries, with strong emphasis on service, claims, audit, underwriting support, and risk control. Geographic evidence on the site points most clearly to Texas: the company is Austin, Texas based; Texas healthcare network materials and employer notices are prominently published; and agency testimonials specifically reference workers compensation needs in Texas. No official public list of preferred classes, restricted classes, or declined operations was found on the verified pages reviewed, so those items should be treated as not publicly disclosed and confirmed directly with underwriting. Operationally, Service Insurance appears to target workers compensation submissions where agents value specialty WC expertise, loss control partnership, and service support. The site highlights availability of risk control services at no additional cost to insureds, including onsite consultations, management/supervisor training, safety resources, ergonomic assessments, and return-to-work support. This suggests best fit for employers willing to engage in safety practices and injury prevention. No public indication of other commercial lines was found. Broker/producer guidance: agents can manage rate, quote, bind, billing, and book-of-business activity through the ServiceConnect portal; the website also references an Agency Portal and an Agent Tool Kit / Become a Service Insurance Agent page for agency relationship onboarding. Loss runs can be requested through the official form; Service states the loss run team validates requests and provides up to 5 years of claims history, generally within 48 hours. If the requester is not reflected as current agent of record, an Agent of Record letter may be required. Billing options include annual, monthly, quarterly, semi-annual, and monthly payroll reporting, which may be useful for insureds needing pay-as-you-go style WC premium handling. Submission requirements publicly visible are limited. The workers compensation page notes premium is determined by business operations, annual payroll, and loss history, which are the clearest stated underwriting data points. Additional practical requirements inferred from available forms/resources include policyholder and policy information for service requests, and Texas network notice compliance for employers using the Caramor Texas Healthcare Network. Because no official public appetite/declination page was verified, class restrictions, hazard prohibitions, minimum premiums, mod thresholds, and out-of-state rules should be confirmed directly with the carrier or through appointed-agent portal materials.