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
Western Reserve Group (WRG) is a regional carrier writing through independent agents only and states that it serves Ohio and Indiana. Official public-facing material confirms commercial and personal/home offerings, but public commercial appetite details are high level rather than class-by-class. For commercial business, WRG markets Businessowners, Commercial Package Policy, Commercial Property, Commercial Umbrella, Commercial Auto, GL, Workers’ Compensation, Inland Marine, Crime, Cyber, Equipment Breakdown, EPL, and Loss Control Services. Positioning suggests a general small-to-mid-sized business focus with flexible package solutions and industry-tailored coverage, but no verified public class list, target SIC/NAIC schedule, or public decline list was found on the official site. Geographic note: footprint is Ohio and Indiana only. Distribution and submission note: WRG operates exclusively through independent agents; retail insureds are directed to find an agent/request a quote, and prospective producers are directed to become appointed through WRG. Broker/producer notes publicly emphasized by WRG include local decision-making, underwriting support, training/education, competitive commissions/contingency opportunities, and use of the agent portal for appointed agents. Homeowners/public underwriting guidance is more specific. WRG’s publicly available Ohio homeowners eligibility guide shows new business eligibility guidelines effective 09/01/2024 under the WRG Advantage Homeowners program. Ineligible home risks include vacant dwellings; non-owner-occupied risks; seasonal/secondary dwellings unless WRG insures the primary residence; aggressive dogs or biting-history dogs (examples listed include pit bull types, Rottweiler, Doberman, Cane Corso, Chow Chow, wolf/wolf hybrid and other listed breeds/mixes); certain farm exposures where farming is more than incidental, including gross annual farm income over $5,000 or more than 3 farm animals and/or 3 horses; trampolines without safety net; home day care exposure greater than 3 children; mobile homeowners without supporting WRG Personal Auto or WRG Commercial policy; certain wood/solid-fuel-unit configurations; unfenced or inadequately secured pools and pools with diving boards/slides; and risks with natural gas/oil/deep disposal wells or related storage tanks. Refer-to-underwriting triggers include prior cancellation/refusal/nonrenewal by another carrier, foreclosure/repossession/bankruptcy/judgment/lien, trampolines with safety net, combinations of adverse characteristics, pre-1930 construction, roof or heating updates more than 30 years old, rental-dwelling liability needs, dwellings under construction or renovation, flat roofs, felony history in household, dwelling limits above binding authority, prior water-backup loss in the last 5 years, large scheduled personal property requests, and certain higher water-backup limit requests. Agent binding authority note: qualifying home risks may be bound up to 30 days, but referral accounts cannot be bound without prior underwriting approval, and WRG requires notice within 7 calendar days of the effective date for bound coverage, applications, policy changes, or cancellations. Operational takeaway: use WRG primarily for Ohio/Indiana independent-agent business. Publicly verified appetite is strongest for standard personal/home risks and broad commercial package capability, but detailed commercial preferred classes/restrictions were not publicly posted on the official site. For commercial submissions, expect agent-only access and confirm appetite, class eligibility, and any package/umbrella prerequisites through the WRG agent portal or underwriting contact before marketing hard-to-place, distressed, unusual, multi-state, or higher-hazard accounts.