United Equitable Group
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 materials indicate United Equitable Group/United Equitable Insurance Company is primarily supporting non-standard personal auto distribution rather than publishing a broad public appetite guide. Operationally, the clearest underwriting signals are: target business appears to be personal-use private passenger auto written through appointed producers, with emphasis on non-standard automobile agencies and broker distribution. A signed non-business-use endorsement states insured vehicles are not to be used for delivery, business, or commercial purposes except commuting to and from work; losses during prohibited business/commercial use are not covered. A sole-driver underwriting form requires all household members age 15 or older to be disclosed on the application, even if they do not drive, and non-driving household members may be excluded; unlisted household drivers must be added through the agent or customer support. Geographic notes: the producer contract application is Illinois-centric in format, requesting city/county within IL, and mailing/fax/contact details point to Skokie/Morton Grove, Illinois; no broader state appetite list or territory guide was verified on the public site. Submission/appointment requirements for producers include a producer contract application, agency and producer license copies, E&O declarations page, and completed W-9. The producer application also asks for agency experience, non-standard auto carrier production and loss ratios, premium finance relationships, management/rating systems, office hours, and licensing/disciplinary history, indicating underwriting/distribution focus on established auto agencies with measurable non-standard auto volume. Notable broker/producer instructions: completed producer packets are directed by email to jheywood@ueg1.com, with fax and mail alternatives listed; agents can also access an official Agent Portal from the group website. No separate public risk appetite, class-by-class acceptability guide, or formal declined-classes bulletin was verified beyond the explicit restriction against delivery/business/commercial vehicle use and the requirement to disclose household drivers.