Wayne Cooperative Insurance Company
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
Wayne Cooperative Insurance Company appears to be a New York-focused regional writer using independent agents only. For Home, the publicly posted product guidance indicates a preference for owner-occupied 1-4 family homes, double wide mobile homes on a permanent masonry foundation, and apartments or dwellings rented to the insured. Related property lines shown on the site suggest broader appetite for landlord risks with 1-4 family rental dwellings, seasonal/secondary rentals, student housing, farmowners where the dwelling is owner-occupied, and mobile homeowners for 1-2 family owner-occupied or seasonal mobile homes. The clearest posted eligibility indicator for core personal lines is owner occupancy, with farmowners specifically stating owner-occupied dwellings are required for eligibility. Publicly visible restricted/less-preferred indicators are limited, but the site implies segmentation away from standard homeowners into other forms when occupancy or structure type differs: landlord for exclusively rental dwellings, mobile homeowners for mobile home risks, and dwelling farm fire for buildings that may not qualify because of occupancy issues or because structures are too large to qualify as other structures. Geographic footprint is explicitly New York State only, excluding the five boroughs of New York City and Long Island. Submission/distribution notes: business is accessed through independent agents; insureds are directed to use the Find an Agent tool for quotes, policy changes, cancellations, and underwriting-related issues. No public broker appetite guide or formal underwriting manual was found on the verified public site. For producer appointment interest, the carrier has a public new-agent form requiring agency/contact details, NYS P&C license number, business structure, other carrier appointments and premium volume, E&O coverage of at least $1,000,000, disclosure of E&O claims in the last 3 years, cluster-group information, perpetuation-plan status, and whether the agency has been terminated by any carriers in the last 3 years. A notable optional/ancillary coverage item is Inland Flood Coverage, described as subject to underwriting approval and intended for owners or landlords in lower-risk areas rather than high-hazard flood zones.