UAIG
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 guidance located primarily on UAIG/UAIC product and agent pages. Current published appetite is predominantly auto-focused. Personal auto is written through independent agents, with product/program references shown for Florida and state product pages confirming auto insurance generally. Commercial auto is specifically stated as available in Florida only. Florida program reference material indicates underwriting/documentation rules by program, including prior-insurance requirements for certain discounts or placement tiers: some programs require at least 3 months prior coverage with no more than a 45-day lapse, while advance-issue options require the policy to be bound 2-3 days before effective date plus at least 6 months prior insurance with no lapse; if the prior policy cancelled midterm or did not run full term, a cancellation notice and prior declarations page are required. For physical damage business, vehicle photos are required when comprehensive/collision is included; a buyer’s order can substitute for photos for vehicles 5 years old or newer purchased within the previous 24 hours. Restricted/declined risks shown in the Florida guide include ride-share exposures (Uber, Lyft, or similar) and car-sharing/rental platforms such as Turo, Getaround, and Zipcar, all marked unacceptable. Corporate-owned vehicles are unacceptable for the listed Florida personal auto programs but allowed for commercial auto. Geography notes: Texas is an active personal auto market sold exclusively through independent agents, with local claims/underwriting support noted in Dallas and policy terms of 1, 2, 3, 6, and 12 months; international licenses are accepted and the company states no credit checks. Submission/producer notes: business is agent-driven, with web-based POS for new business, renewals, and endorsements, online document reprint capability, and rater bridges noted in Texas (ITC and QQ/Webrater). Agent appointment pages indicate online appointment/get-started process by state, and Florida underwriting questions are directed to FL customer service/underwriting email per the program sheet. No broad nationwide public appetite guide beyond these state/product materials was verified on the official site.