Sola Technologies Inc
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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
No formal underwriting, appetite, or producer/broker submission guide for Sola Technologies Inc (Sola Insurance) is currently published on an identifiable official corporate website. Available public information indicates that Sola operates as an insurtech/insurance platform providing parametric tornado disaster benefit coverage that supplements homeowners and renters policies (often described as covering wind/hail deductibles and immediate out-of-pocket expenses). This product is marketed in partnership with Beazley and issued on an admitted basis by Spinnaker Insurance Company, with limits up to approximately $15,000 and availability focused on tornado‑exposed states in the Midwest and Southeast U.S.([bbb.org](https://www.bbb.org/us/ga/atlanta/profile/insurance-services-office/sola-insurance-0443-91846228?utm_source=openai)) Because there is no accessible carrier‑authored underwriting or producer guide, the following should be assumed and confirmed directly with program contacts before binding or marketing: • Preferred business (inferred): Homeowners or renters in tornado‑prone U.S. regions, purchasing small‑limit parametric disaster benefits designed to cover deductibles and immediate post‑event expenses. Policies are structured as admitted personal lines add‑ons, triggered by National Weather Service‑verified tornado path and EF‑scale intensity in proximity to the insured location.([beazley.com](https://www.beazley.com/en-CA/articles/beazley-and-sola-technologies-introduce-innovative-tornado-crisis-insurance-partnership-spinnaker?pdf=1&utm_source=openai)) • Restricted/declined classes (inferred): Product is highly specific to tornado risk; risks outside designated eligible states, non‑U.S. locations, or exposures not matching the parametric trigger design (e.g., general property damage, non‑tornado perils, high‑limit traditional property coverage) should be treated as out of appetite. Commercial property or complex schedules are likely excluded unless explicitly allowed under program terms. • Geographic notes (inferred from partner descriptions): Coverage currently available only in a defined list of U.S. Midwest and Southeast states with meaningful tornado exposure. Distribution expansion to additional states is expected but must be validated against the most recent program state list from Sola, Beazley, or Spinnaker. Risks outside approved states should be considered ineligible.([beazley.com](https://www.beazley.com/en-CA/articles/beazley-and-sola-technologies-introduce-innovative-tornado-crisis-insurance-partnership-spinnaker?pdf=1&utm_source=openai)) • Submission/placement expectations (inferred): As a parametric add‑on backed by a fronting carrier and specialty reinsurer, submissions are likely handled via Sola’s digital platform or through participating agents appointed under the program. Standard homeowners underwriting (dwelling details, location, existing HO/Renters coverage, tornado exposure) will generally be governed by the primary HO carrier, while Sola’s product attaches using address‑level data and NWS mapping for trigger purposes. Agents should expect automated data capture and straight‑through processing rather than traditional narrative underwriting. • Broker/producer instructions (inferred): Producers should clearly explain that this is supplemental parametric coverage, not a substitute for homeowners insurance; limits are modest and intended for deductibles and immediate expenses, and claims are triggered solely by objectively measured tornado characteristics and path rather than by an adjuster’s inspection of physical damage. Producers should verify eligible states, applicable limit options, and any integration or distribution requirements with Sola/Beazley/Spinnaker before quoting. Given the lack of a public-facing underwriting or appetite guide from Sola, treat all above points as directional only and obtain definitive underwriting rules, eligibility criteria, and submission workflows directly from program underwriting contacts or distribution memos.