Western Reserve 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 guidance located for WRG’s website, agent-facing partner page, workers’ compensation product page, and a current personal lines homeowners eligibility manual. WRG writes through independent agents only and operates exclusively in Ohio and Indiana. Commercial positioning on the public site is broad but oriented to small-to-mid-sized businesses, with package-style placement across property, liability, auto, cyber, umbrella, inland marine, crime, equipment breakdown, EPLI, and loss control support. Workers’ Compensation guidance is state-specific: WRG offers Workers’ Compensation for Indiana employers, while in Ohio the primary WC exposure is handled by the Ohio BWC and WRG offers Stop Gap coverage as an optional employer’s liability enhancement. Agent/broker notes emphasize local underwriting support, collaborative underwriting, responsive service, training, technology, and independent-agent distribution; consumer quote requests are routed to a local independent agent. Homeowners underwriting guidance is the most explicit verified appetite source found. Preferred/eligible posture is owner-occupied primary homes within WRG’s footprint, with multi-policy support noted elsewhere on the site. Ineligible home risks include vacant dwellings; non-owner-occupied risks; seasonal/secondary homes unless WRG also insures the primary residence; aggressive dogs or dogs with bite history; farm exposures needing broader incidental farming treatment, scheduled farm personal property, farm structures used for farming, farming income over $5,000, or more than 3 farm animals and/or 3 horses; trampolines without safety net; certain solid-fuel/wood-burning installations including attached-garage or detached-structure installs, certain modular/manufactured/prefab situations unless factory installed, or Protection Class 10; home day care exposure over 3 children; natural gas/oil/deep disposal well exposures or associated storage tanks; and mobile homeowners without supporting WRG Personal Auto or WRG Commercial business. Refer-to-underwriting items include prior cancellation/nonrenewal, foreclosure/bankruptcy/judgment/lien history, unfenced or inadequately secured pools or pools with diving boards/slides, trampolines with safety net, multiple adverse characteristics, pre-1930 construction, roof or heating updates older than 30 years, rental dwelling liability requests, dwellings under construction or renovation, flat roofs, felony history in household, large scheduled personal property requests, elevated water backup limits with prior losses or no battery backup on sump systems, prior water backup at the same location in the last 5 years, and homes exceeding binding authority; higher-valued homes of $1,000,000+ require central station protection. Submission expectations are not published as a detailed commercial appetite guide on the public site, so classes, hazards, and account fit should be vetted through WRG underwriting/agent channels. Public quote/contact pages request basic insured information and direct business through local agents; policy changes are to be made via the WRG agent.