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 current official website: Trexis is using www.trexis.com for agent/customer access and the verified underwriting guidance located was an official Trexis/Trexis One Virginia Agent Manual updated 06/17/2024. The published underwriting guidance found is for Private Passenger Auto, not Home or Boat/Watercraft. Operational appetite is standard/nonstandard personal auto written for private individuals with vehicles principally garaged in-state; agents have immediate binding authority for acceptable risks when submitted through Trexis Real Time Rating (RTR), with all applications uploaded electronically and signed copies retained in the producer file. Preferred/acceptable business includes individually named insureds, single-household risks, in-state students rated at household garaging address, certain business-use vehicles for consultants/contractors, sales professionals, and professionals traveling to client/job locations, and active-duty military stationed in-state if required address details are shown. Restricted/declined or ineligible classes include named insureds that are businesses/partnerships/corporations, applicants under 18 as named insureds, physical-damage-only business, stated value, vehicles from more than one household, rideshare/TNC exposures for any household member within the past 3 years, drivers without a specific in-state garaging address, non-permanent residents of the rating state, permanently suspended/revoked licenses, insurance fraud convictions, illegal enterprises, military risks stationed outside the state, students attending school out of state who regularly operate covered autos, entertainers/celebrities/athletes, drivers with more than 16 points, more than 2 alcohol/drug violations, and livery or delivery operations such as taxi, limousine, daycare/church/worker transport, patient transport, and retail/wholesale delivery. Geographic notes in the verified manual are state-specific: the named insured must reside in Virginia and vehicles must be garaged in Virginia at least 10 months per year; if an insured moves out of state, coverage may be cancelled or nonrenewed, and out-of-state vehicles must be removed or separately insured. Submission requirements and producer instructions are detailed: access to producer functions requires website registration and a Website Security form signed by the Agency Principal; applications must be completed in RTR and uploaded, not mailed as paper submissions; retransmitting an application is prohibited because it can create duplicate policies; required supporting documents and discount proof should be sent via document upload (or fax where allowed); signed applications and inspection forms must be retained by the producer for audit/compliance; changes after upload should be handled through online endorsement/document upload; agents can use Policy Center, Accounting Center, Document Upload Log, commissions, and claim summary tools on the site. Notable underwriting/coverage instructions include full disclosure of all accidents/violations in the prior 35 months, household members of eligible driving age generally must be rated on one policy, non-owner conversions require a new application, acceptable risks can generally be bound up to 60/120/50, and 100/300/50 or higher requires the primary named insured to be age 21+ with no more than 5 points in the prior 36 months. Claims are to be reported directly to Trexis online or by phone, not by fax or mail. No verified official Trexis underwriting/appetite guide for Home or Boat/Watercraft was found from the official site during this refresh, so those lines could not be confirmed beyond the user-provided known product lines.