Sublimity
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
Carrier status & availability: - Sublimity Insurance Company is a regional personal-lines property/casualty carrier based in Oregon and part of United Heritage Financial Group. - Multiple independent agencies and broker notices indicate that Sublimity is exiting personal lines (including homeowners) and is non‑renewing personal auto, home, and umbrella policies beginning with renewals in November 2024, with current policies remaining in force only through their individual renewal dates into 2025. - Practically, this means there is no forward-looking appetite for new homeowners risks and an extremely limited, wind‑down posture even for existing accounts. Treat the book as being in runoff for personal lines. Homeowners appetite / eligibility (operational view from currently published information and market announcements): - New business: Do not expect Sublimity to consider or bind new homeowners risks. Agencies are being instructed to place new and renewal home with alternate carriers (e.g., Branch or other markets) and to treat Sublimity policies as terminating at renewal. - Renewals: Existing homeowners policies may run to their stated expiration dates, but agents and insureds should expect a non‑renewal notice before the renewal effective date. Plan to remarket all Sublimity home accounts at least one renewal cycle in advance. - Preferred profile historically (for context only – not for new placements): Standard personal-lines owner‑occupied dwellings in Oregon and nearby states, written via independent agents. With the current run‑off, this historic profile should not be used to place or move risks into Sublimity. Restricted / declined classes (current practical stance): - Effectively all new personal-lines home risks are declined due to line exit. - Any attempt to move existing risks between programs or states, or to materially change coverage, should be assumed to require company underwriting review and is likely to be handled by cancellation/non‑renewal and placement with another carrier instead of re‑underwriting within Sublimity. Geographic notes: - Sublimity is headquartered in Sublimity/Salem, Oregon, and historically operated as a regional carrier. Current communications focus on Oregon personal-lines policyholders. - There is no indication in current public material of any geography where Sublimity is still actively seeking new personal homeowners business; treat all territories as closed for new home. Submission & processing expectations (for any remaining in‑force home policies): - Do not submit new homeowners applications to Sublimity; the effective appetite is closed. - For in‑force business, agents should: - Monitor and relay non‑renewal notices to insureds. - Begin remarketing well in advance of the renewal effective date. - Coordinate any mid‑term service issues (billing, claims, endorsements that keep risk within original intent) directly through standard service channels on the main Sublimity site. Broker / producer instructions and notes: - Independent agencies have been advised that: - Sublimity will not be offering personal auto, home, or umbrella after the current policy term, beginning with November 2024 renewals. - Agents remain the primary point of contact for insureds during the transition and should proactively move accounts to alternative carriers. - Some agencies are coordinating structured transitions to specific replacement markets; where that exists (e.g., Branch), follow the agency’s internal workflow rather than attempting to retain the risk with Sublimity. - Treat Sublimity as a run‑off carrier for all personal-lines placements and adjust internal appetite guides and comparative raters accordingly (remove from new‑business quoting for homeowners). Operational takeaway for home underwriters and producers: - Do not quote or bind any new Sublimity homeowners policies. - Expect non‑renewal on all existing Sublimity home accounts at their next renewal date (late 2024 through 2025 depending on term). - Focus activity on servicing remaining term and safely transitioning insureds to other markets; underwriting discretion is largely moot because the strategic decision is line exit rather than risk‑by‑risk selection.