Workmen's Auto
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 site is WAIC’s producer/customer portal homepage, now branded Orion Indemnity, with a posted announcement that Workmen’s Auto Insurance Company will soon be Orion Indemnity Company. Verified underwriting guidance located is the California Auto Underwriting and Rating Guide. Appetite is California private passenger auto only: vehicles must be owned or leased by individuals, spouses, or registered domestic partners; registered and garaged in California; insured must be a California resident and vehicle garaged in California at least 10 months per year. Eligible vehicles are four-wheeled private passenger autos, station wagons, pickups, and vans; pickups/vans over 1 ton or used for delivery are ineligible. Special category allowances include named non-owner liability-only business and limited artisan-use pickups/vans (1 ton or less) used for sales calls, tools/material transport, and occasional delivery of finished products, but not routine delivery; only one artisan-use vehicle per policy and any low-mileage support must be sent same day as binding. Restricted/declined business includes drivers with 3+ major violations in 35 months, 4+ at-fault accidents in 35 months, more than 12 WAIC violation points, felony motor-vehicle convictions in 35 months, applicants with prior balances due, prior insurance fraud, prior WAIC fraud/misrepresentation rescission/cancel/nonrenewal, named insureds under age 18, risks without a permanent garaging address, motel/hotel garaging, PO box/mail-drop garaging, vehicles not registered in the U.S., vehicles with existing damage unless documented and pre-approved by underwriting, antique/classic/custom/kit/limited-production/show/racing cars, non-factory special equipment, salvage-title vehicles, and vehicles needing stated amount/value coverage. Physical damage cannot be written without liability. Physical damage requires producer vehicle inspection with photos of all four sides retained in the file. Special equipment is not a market; non-OEM equipment is excluded, and OEM audio/video is limited. Geographic notes: California only; vehicles and FR filings are California-based, with optional limited Mexico extension only up to 25 miles past the border and only excess over valid Mexican insurance. Submission/binding requirements: producer must have a valid Producer Agreement, submit electronically, fund gross down payment by EFT, and avoid binding any unacceptable risk. Producer must retain signed originals and servicing documents, maintain registration and mature driver proof when requested, and send proof of non-fault accidents to underwriting@waic.com or fax (800) 722-0216 the same day an application is uploaded or a driver is added. Broker/producer notes: agency functions are handled through the WAIC producer portal; the producer page lists California territory sales contacts for appointments/support. Additional operational notes include available CA FR filings for named insured/spouse/household family members only, a fully earned filing fee, and optional features such as permissive-user PD extension, non-owned auto PD extension, rental, roadside, direct repair discount, and lessor-only 100/300/50 limits.