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
Trexis and Trexis One write primarily non-standard private passenger auto through independent agents. The available agent manual reviewed is for Virginia and dated June 17, 2024, covering personal auto only; no carrier-authored guidelines were found for Home or Boat/Watercraft, so appetite should be treated as auto-only unless separate programs are provided locally. Preferred / target business (per VA Private Passenger Auto Program): - Named insured is an individual resident of the state with vehicles principally garaged in-state at least 10 months per year. - Standard private passenger autos with normal pleasure, commute, or light business/artisan use that fit ISO symboling and are licensed for highway use. - Risks rated and uploaded via Trexis’ Real Time Rating (RTR) system on trexis.com with complete, legible applications and required signatures. Producers are expected to use the website for quoting, policy servicing, payments, and document upload. - Military personnel stationed in Virginia with an out-of-state license are acceptable when the military base/address is listed; multi-car, EFT, homeowner, paperless, and other standard discounts are available when properly documented.([cg.alfavision.com](https://cg.alfavision.com/material_download/Materials/Virginia/All%20Companies/Materials/VA%20Agent%20Manual.pdf)) Restricted / unacceptable policies: - Any policy where any insured has been convicted of insurance fraud. - Named insured not residing in the state or vehicles not principally garaged in the state. - Non-individual named insureds (businesses, partnerships, corporations, organizations) on this personal auto program. - Applicant/first named insured who is a minor (under 18); a parent/guardian must be the named insured if a minor is a driver. - Physical damage-only or stated value policies; policies listing vehicles from more than one household. - Any household member who has been, in the past three years, registered with or providing transportation via a rideshare/TNC (other than share-the-expense car pools). - Policies previously non-renewed by Trexis may be ineligible to rewrite; drivers/policies with multiple NSF payments, multiple accidents/claims, excessive vehicle changes, or material misrepresentation are flagged as non-renew/rewrite risks and require underwriting review.([cg.alfavision.com](https://cg.alfavision.com/material_download/Materials/Virginia/All%20Companies/Materials/VA%20Agent%20Manual.pdf)) Restricted / unacceptable drivers: - Drivers under 16 (unless they hold a valid license/permit), or without a specific in-state garaging address or ten‑month residency intent. - Drivers with permanently suspended or revoked licenses, more than 16 points, or more than two alcohol/drug violations. - Drivers convicted of insurance fraud; operators below state minimum licensing age. - Persons in illegal enterprises or occupations involving use of the insured vehicle by nonresident/nondependent operators. - Military risks stationed outside the state; students attending school in another state. - Entertainers, celebrities, athletes, or other well-known persons; employees or family members of the Trexis Insurance Group. - Drivers previously canceled by Trexis for underwriting reasons. All violations/accidents in the past 35 months (any vehicle type) must be disclosed and are used in rating; MVRs are routinely used to verify driving history.([cg.alfavision.com](https://cg.alfavision.com/material_download/Materials/Virginia/All%20Companies/Materials/VA%20Agent%20Manual.pdf)) Restricted / unacceptable vehicles: - Vehicles garaged outside the state; vehicles not licensed for highway use. - Commercial, emergency, public livery, or for‑hire vehicles; racing or gray‑market vehicles. - Vehicles with >4 wheels (with limited exceptions for certain light duallies) or load capacity >1 ton or GVWR >12,000 lbs. - Kit/custom-built cars, dune buggies, bajas, buses, limos, motor homes, camper vans, travel trailers, flatbed/stake/panel/tow trucks. - Motorcycles, ATVs, snowmobiles, golf carts, recreational/off-road vehicles, parade/show cars, antiques, or classics. - Vehicles rented/leased to others; vehicles owned, rented, or leased in a company name; vehicles equipped for snow plowing. - Vehicles with certain physical damage symboling (Comp/Collision symbol character "P") and specific excluded models such as Ford Transit Connect, Ford E‑series and large Chevy/GMC vans as listed in the manual. - Salvage/rebuilt vehicles are ineligible for physical damage; retained totals must have physical damage removed and may be rewritten as named-operator liability only.([cg.alfavision.com](https://cg.alfavision.com/material_download/Materials/Virginia/All%20Companies/Materials/VA%20Agent%20Manual.pdf)) Geographic notes: - Manual reviewed is specific to Virginia, but reflects Trexis’ standard personal auto appetite: insured and garaging must be in the program state; out-of-state moves generally trigger cancel/nonrenew and the risk is subject to an ineligible risk surcharge. - If a single driver or vehicle moves out of state while the named insured and other vehicles remain, Trexis will request removal of that vehicle and expect placement with a resident carrier in the new state; Trexis may have programs in other states, but placement must be through a local resident agent.([cg.alfavision.com](https://cg.alfavision.com/material_download/Materials/Virginia/All%20Companies/Materials/VA%20Agent%20Manual.pdf)) Submission and binding requirements / producer instructions: - Agents properly licensed and appointed with Trexis have immediate binding authority, but only when all manual rules and Producer Agreement terms are met. - All new business must be completed and uploaded via Trexis’ RTR/website or comparative rater bridge; paper or non-uploaded applications are not accepted and will be returned unbound. - Agents must obtain and retain all required signatures (including e‑signatures when used), discount documentation, and vehicle inspection forms for audit and claims use; do not send application copies, only supporting documents via document upload or fax when requested. - Severe weather: binding authority for physical damage is suspended during any weather watch/warning. During the event, agents may not bind new risks with physical damage, lower deductibles, or add physical damage to existing liability-only vehicles. For 48 hours after the watch/warning ends, agents must personally inspect all vehicles before binding or reinstating physical damage and note inspections in the file. - Endorsements, cancellations, and reinstatements are bound effective as of the requested date/time if transmitted within 72 hours and required signatures are obtained; late or incorrect submissions, retransmitted apps, or voids may incur fees that are charged back to the agency. - Car-dealership business is acceptable only when personally produced by a licensed producer who is a principal/employee of the agency; unlicensed dealership personnel may not quote, represent coverage, complete apps, or collect money. - Website tools include Policy Center, Accounting Center, downloads for forms/bulletins, agency user management, commissions/MVR chargeback statements, document upload (with permanent upload log), and claim summary reports with adjuster contact information.([cg.alfavision.com](https://cg.alfavision.com/material_download/Materials/Virginia/All%20Companies/Materials/VA%20Agent%20Manual.pdf)) Operational note on other lines: - No carrier-authored underwriting or appetite materials were located for Home or Boat/Watercraft under the Trexis brand; public sources and Trexis’ own descriptions consistently identify it as a non-standard personal auto carrier. Any home or watercraft quotes appearing in agency marketing platforms are likely placed with other carriers or via separate arrangements, not core Trexis programs, and should not be assumed to follow these auto guidelines.