Victoria 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
Victoria Insurance appears to be written under Nationwide branding rather than a separate public carrier site. Verified public producer guidance is housed on Nationwide’s agent portal. Current published guidance emphasizes four appetite tracks: Personal Lines, Small Commercial, Middle Market, and Farm & Ranch. Personal Lines messaging is consumer-segment oriented rather than class-by-class; Nationwide says it is targeting coverage-minded "Protectors," especially resizing empty nesters, renting couples, families with teen drivers, and upcoming first-time homebuyers. Public personal-lines appetite is high level only and notes eligibility varies by state. Small Commercial appetite focuses on service, retail, pet care, healthcare office, contractors, restaurants, and similar main street risks. Published thresholds commonly include BOP/property up to $20M building and BPP, often $10M max TIV per building for some classes, up to $20M sales, and commercial auto generally fewer than 20 power units; workers compensation typically fewer than 50 employees with payroll caps around $1.5M-$2M depending on class. Cyber Liability and EPL are automatically offered on eligible BOP quotes with limits up to $1M for most target classes. Preferred contractor business is artisan maintenance/remodeling for residential and light commercial work, with required subcontractor risk transfer and additional insured status. Retail preference is brick-and-mortar operations. Pet care preference includes routine veterinary and domestic animal services. Published avoid/restricted examples in Small Commercial include medical spas; day spas offering electrolysis, permanent makeup, tanning, acupuncture, piercing, tattooing, waxing, or similar services; associations/clubs including HOAs; reupholstery/furniture repair; veterinarians involved with racing animals, 24-hour emergency surgery, exotic/high-value livestock, pet breeding, animal shelters; contractor classes such as general/paper contractors, handypersons, excavation/grading, and roofing; retail tire dealers, convenience stores, and grocery stores. Additional restrictions include no non-owned auto for food delivery risks, no professional liability in healthcare office segment, and contractor E&O not available in New York. Middle Market appetite is industry-focused and targets Construction, Human Services, Nonprofit, Senior Living, Manufacturing & Distribution, Real Estate, and Restaurants. Typical target profile is risk-management-oriented, packaged/all-lines business, often more than $100,000 total premium or property values of $20M+ depending on segment. Human Services and Nonprofit core target is generally $50,000-$500,000 in total premium; Senior Living target is nonprofit/continuum-of-care organizations with $100,000+ premium. Public submission requirements are available for some middle-market segments: Human Services requires 5-year loss runs, abuse-prevention policies, and applications plus new-business supplementals; Senior Living requires 5-year loss history, recent financial statements, and applications plus supplementals. Nationwide also publishes an industry-specific Real Estate appetite page with more detailed middle-market requirements: target classes include real estate professionals, REITs on standard lines only, commercial LRO, and property management firms. Account-size markers are $100,000+ total account premium, property values of $20M+, workers compensation 50+ employees, or commercial auto 20+ power units. Required submissions include rent rolls with tenant descriptions and occupancy percentages or equivalent SOV data, completed ACORDs plus Nationwide real estate supplementals or equivalent underwriting data, executed third-party contracts/leases, and 5-year prior-carrier/currently-valued loss runs. Geographic note on that real-estate page says Nationwide writes commercial insurance in 46 states plus DC and is not writing in OK, LA, AK, or HI, with other CAT/exposure limitations possible. Broker/producer notes: Nationwide’s public agent page says appetite is not intended to replace company eligibility criteria and may vary by state. Unappointed agencies can apply online and should be prepared with agency/production information including total written premium, monthly quote flow, and issue rate; Nationwide states it follows up within 7-10 business days, and application does not guarantee appointment. Overall, verified public guidance supports using Nationwide for mainstream personal lines and targeted small/middle-market package business, with class-specific underwriting controls and state-by-state eligibility rather than a separate public Victoria Insurance underwriting manual.