Trexis Insurance
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
Verified official carrier website is Trexis. Verified underwriting guidance located is a Trexis official Virginia Private Passenger Auto Agent Manual dated 06/17/2024 new business and 07/05/2024 renewal. No verified official Trexis underwriting/appetite page was found for Home or Boat/Watercraft; current published underwriting guidance that could be verified is for personal auto only. Appetite is private-passenger individual risks with in-state residency and garaging, including pleasure, commute, eligible business use, artisan use, farm use, and non-owner policies. Preferred/documented eligible business use includes consultants/contractors, sales reps, professionals traveling to clients or job sites, and occasional business errands; signage, ladder racks, and toolboxes can be acceptable. Trexis/Trexis One support non-owner business with liability-only style coverage; physical damage and business/artisan use are not available on non-owner policies. Key declines/restrictions: no named insureds that are businesses/corporations/organizations; no applicants under 18 as named insured; no physical-damage-only or stated-value policies; no mixed-household vehicle schedules; no household members involved in ridesharing/TNC within the past 3 years; no drivers without an in-state garaging address or permanent residency intent, permanently suspended/revoked licenses, more than 16 points, more than 2 alcohol/drug violations, insurance-fraud history, military stationed outside the state, students attending school in another state, or drivers previously canceled for underwriting reasons. Vehicle declines include out-of-state garaging, commercial/emergency/public-livery/for-hire vehicles, racing vehicles, gray-market imports, motorcycles/ATVs/snowmobiles/golf carts, RVs/off-road vehicles, buses/limos/motor homes/camper vans/travel trailers, flatbed/stake/panel/tow trucks, antiques/classics/show cars, vehicles rented or leased to others, and heavier units over 1 ton load capacity or 12,000 GVWR. Unacceptable business use includes taxi/limousine, school/daycare/church/worker/hotel/retirement/medical transport, retail or wholesale delivery, pizza/food delivery, escort services, employee/co-worker/domestic employee use, auto business operations, landscaping/lawn care/gardening service, hauling for hire, company-owned/rented/leased vehicles, transport of flammables/explosives, and commercial/for-hire exposures. Physical damage notes: each vehicle should be inspected when physical damage is requested; existing damage must be recorded, applicant self-report may be used if producer inspection is not possible, and underwriting may request photos. Physical damage is declined for model year 1989 and older, conversion vehicles with over $5,000 conversion packages, custom-modified vehicles, trailers, excluded equipment, ACV over $80,000, and physical-damage-only submissions. Binding/submission requirements: licensed agents have immediate binding authority subject to manual rules; applications must be completed through Trexis Real Time Rating and uploaded through the website/bridge; unuploaded policies are not accepted. Required signatures must be obtained and retained; if e-signatures are incomplete within 15 days, policy cancels. Required support documents should be uploaded through Agency Tools Document Upload or faxed; do not retransmit applications for changes, use endorsement/document upload instead. Severe-weather restrictions suspend binding for physical damage during a watch/warning; for 48 hours after lift, agent must personally inspect all proposed risks and document inspection before binding/reinstating/rewrite. Audit and producer notes: Trexis may audit randomly by fax or in person, including canceled/non-renewed policies; requested documentation is due within 2 days, and failed compliance can lead to failed audits or loss of upload privileges. Manual references producer resources, claim summary access, customer service, tech support, commission visibility, and document upload logs. Homeowner and mobile-homeowner discounts require documentary proof of ownership with name matching an insured on the auto policy.