Western National 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
Verified current public-facing website and a still-live official underwriting manual PDF for BOP. Western National distributes through independent agents only and offers agent access through its portal; public site points insureds to Find An Agent rather than direct submission. Commercial lines are written in AK, IA, ID, IL, MI (via affiliate note), MN, MT, ND, NV, NY (via affiliate note), OR, SD, UT, WA, and WI. Public product pages confirm commercial package, umbrella, workers’ compensation, property-related coverages, and related commercial lines, with Commercial Umbrella written only in conjunction with other Western National commercial coverages and requiring Western National to insure the primary underlying coverages. The most substantive publicly available underwriting guidance located is the Businessowners manual dated 09/2022. BOP binding is subject to underwriting rules and higher limits require Businessowners Underwriting approval. Applicants in business less than 3 years are referral business. Risks with more than 2 property/liability/crime losses in the past 3 years are not clean accept business and any losses may trigger referral and prior loss runs. Some accounts may require on-site inspection. Hired/non-owned auto is intended for incidental non-delivery exposures only; delivery service is ineligible. Publicly available BOP preferred/eligible segments include certain offices, mercantile, processing/service, restaurants, and wholesalers/distributors subject to class table eligibility and size/sales thresholds. Processing/service risks must generally stay within $5M annual gross sales per location and 35,000 square feet. Restaurants generally must be applicant-owned or managed for at least 3 years, in Protection Class 1-8, under $2M gross sales per location and 5,000 square feet; limited-cooking restaurants are further limited to seating up to 30, beer/wine no more than 25% of sales, no other alcohol, catering away from premises not over 10% of sales, no seasonal operations over 30 consecutive closed days, no food trucks, and no HNOA if delivery exists. Wholesale/distributor risks generally must stay within $6M gross sales per location, 35,000 square feet, retail receipts not over 25% of sales, and public-access floor area not over 25%. Restricted/declined for BOP include auto repair/service stations, auto/motor home/mobile home/motorcycle dealers, parking lots/garages unless incidental, bars and pubs, most condo associations other than office or residential condo associations, any manufacturing occupancy or businesses using manufacturing locations, habitational risks, household personal property, places of amusement, financial institutions unless lessor's risk only, and unoccupied or vacant buildings. Additional publicly visible notes: vacant land is by referral for rating; live entertainment at restaurants requires prior approval; concessionaire-style off-site food sales are not BOP-eligible and may need CPP consideration. Roofing note in the manual indicates asphalt shingle roofs in the Midwest-Central region are not eligible. Broker/producer operational notes: Western National appears to rely on secure agent resources/portal for forms and servicing; the public site and archived official guides reference AgentsOnline/portal resources, policy/claims lookup, online forms library, and commercial download capability for BOP, CPP, Commercial Umbrella, General Liability, Inland Marine, Workers Compensation, and related commercial transactions. No newer public appetite guide or broker submission page with broader class-by-class underwriting was verified beyond the live BOP manual and product/state pages, so guidance should be treated as partial public guidance rather than a complete all-lines appetite statement.