Tim Parkman, 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
Tim Parkman, Inc. (TPI) operates as a wholesale/MGA platform rather than a retail carrier; underwriting is driven by carrier programs, but available forms and applications provide practical guidance. Preferred / target business (from poultry renovations supplemental application): - Poultry confinement / farm risks with active or in-process grower contracts with integrators, clear renovation/upgrade scope, and stable operations history. The application specifically targets broiler, breeder, pullet, turkey, and commercial egg houses, plus related farm structures (equipment sheds, litter sheds, compost sheds, shops, offices). Eligible buildings must be poultry-related or directly supporting poultry operations and not used for hay storage. - Risks with clear property details and strong maintenance: application requests building age, dimensions, construction details, and dates of last electrical and mechanical updates, indicating preference for well-maintained, structurally sound houses with updated systems rather than obsolete or neglected structures. - Operations with documented integrator involvement: questions focus on written documentation of required updates/renovations and the timing of integrator correspondence, suggesting preference for growers following integrator standards and improvement plans. Restricted or declined classes / conditions (implied from application questions and notes): - Hay storage in or near confinement structures: application explicitly notes poultry-related buildings are eligible and flags that no hay storage is allowed in eligible buildings; additional questions flag buildings used for hay storage within 100 feet. This indicates hay storage in or near poultry houses is restricted or disfavored, and buildings used for hay storage are generally ineligible under this form. - Buildings with structural defect or unrepaired damage: specific questions about structural defects and unrepaired/existing damage imply such conditions are underwriting red flags; these risks are likely to be declined or require significant remediation and underwriter review. - Lapses in coverage, prior cancellations/non-renewals, and significant prior losses: the application requires disclosure of any periods without coverage, prior cancellations or non-renewals, property losses (fire, wind/hail, weight of ice/snow, collapse) and poultry-related losses in the past 5 years; poor loss history or unexplained gaps in coverage are likely to be restricted or declined. - Financial distress: current bankruptcy or foreclosure proceedings must be disclosed, indicating such circumstances are higher risk and may lead to declination or special handling. - Ancillary exposures: the form asks about agritainment, swimming pools, non-poultry farming, other commercial businesses on premises, and prior/pending liability claims or litigation; these exposures are not outright prohibited but are clearly treated as non-standard and subject to underwriter review, coverage limitation, or separate placement. Geographic notes: - TPI is headquartered in Clinton, Mississippi and is described as a wholesale brokerage/MGA with a strong footprint in Mississippi and the Gulf States region, with distribution to thousands of retail agents. Public information emphasizes a broad personal and commercial lines appetite in these areas but does not list specific state restrictions on the poultry/home/farm programs. Retail agents should confirm state availability and any catastrophe or coastal limitations with TPI on a program-by-program basis. Submission and underwriting requirements (from poultry renovations supplemental application): - Application data: complete agency and applicant information, including all location and mailing addresses, contact information, and county. Producer and applicant signatures are required, along with dates. - Operations details: underwriters require information on whether the operation is a new venture or established; years in poultry farming; whether this is a new purchase; any gaps in coverage; details on prior property and poultry-related losses; and any history of serious perils (fire, wind/hail, weight of ice/snow, collapse) affecting proposed buildings. - Integrator documentation: applicants must disclose whether there is a current or pending grower contract with a poultry integrator, provide the integrator’s name, the date of most recent correspondence, and attach written documentation of required updates/renovations when available. - Construction/renovation details: for builder/renovation risks, TPI requests whether work has started, the estimated start and completion dates, a description of completed work to date, the total number of buildings under renovation/construction, and detailed per-building renovation/ construction descriptions. Use of licensed contractors with at least $1,000,000 GL occurrence limits is preferred; any owner-performed work or contractual risk transfers (hold harmless/waivers of subrogation) must be disclosed. - Property schedule: underwriters expect a detailed building schedule, including existing structure values, renovation/construction costs, year built, dimensions, floor construction, last electrical and mechanical updates, and building use. A farm diagram identifying each covered building and its relative location is required. - Eligibility and coverage form: the application specifies that eligible buildings are limited to certain poultry and related support structures and that loss settlement is on an ACV-only basis with Basic Form causes of loss. Inland marine for generators, farm tractors, and scheduled poultry-related equipment is available with a $1,000 per-occurrence deductible and ACV-only settlement, with coverage excluding below-ground equipment. - Underwriting reports and consents: the application includes an explicit underwriting disclaimer advising that consumer reports (loss and credit) may be ordered and requires the applicant’s consent to run such reports. It also provides a notice of insurance information practices consistent with standard U.S. personal/commercial lines underwriting. Broker / producer notes: - TPI functions as a wholesale/MGA intermediary; retail agents submit risks to TPI for placement with various carrier partners. The poultry renovations application instructs producers to send completed submissions and any supporting documents (e.g., integrator requirements, loss details, diagrams) to the TPI quotes email or other TPI contact provided to the agency. - Producers are expected to fully complete all experience, loss history, structural condition, and renovation fields; incomplete or partially answered sections (particularly around structural condition, loss history, and contractor information) can be expected to delay quoting or trigger underwriter follow-up. - Given the ACV-only and Basic Form limitation stated on the form, producers should manage insured expectations regarding coverage breadth and settlement basis, and coordinate with TPI if broader forms or replacement cost options are desired through alternative programs. Homeowners: publicly available sources identify TPI as a personal-lines oriented wholesale/MGA (including homeowners) with multiple carrier relationships, but no current, carrier-level homeowners underwriting guide is published on the accessible public site. Retail agents should treat TPI as a program gateway and obtain current homeowners appetite, target classes (e.g., coastal vs. inland, age and construction of dwellings, protection classes), and binding/inspection requirements directly from TPI marketing or underwriting staff. All guidance above is based on TPI’s own poultry renovations supplemental application and high-level public descriptions of its wholesale/MGA role. Specific home and farm program rules, including state availability, deductible structures, and minimum/maximum limits, should always be confirmed against the latest TPI program sheets or carrier manuals available to appointed producers.