American National
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
American National’s specialty P&C small commercial and farm/ranch business is currently being presented under the Farm Family brand, and American National’s own contact pages direct Farm & Ranch, Business, and other P&C traffic to Farm Family. For Commercial Package/small commercial business, current published appetite is broad small-to-mid-sized business focused rather than a detailed class-by-class underwriting bulletin. Verified preferred business includes specialty contractors/subcontractors such as masons, carpenters, plumbers, electricians, tile setters and HVAC; professional offices including real estate, medical, dental, legal, title, accounting, engineering, architecture and ad agencies; restaurants including quick service, full service, fine dining, delis and bakeries; green industry risks including lawn care, landscapers, retail garden centers, nurseries, wholesale growers and florists; service operations such as janitorial, upholstery cleaning, hair salons, engraving, tailoring and photography; and retailers such as antiques, books, toys, clothing, shoes, sporting goods and crafts. Farm/ranch-facing materials also show appetite for agribusiness and rural operations including livestock, equine services, growers, farms and ranches, which may be relevant where CPP opportunities are farm-connected. No verified official public appetite guide, class restriction bulletin, or explicit public declination list was found on the official sites reviewed, so restricted/declined classes could not be confirmed from published carrier materials and should be treated as not publicly stated. Geographic notes: products are positioned for farms, ranches, agribusiness and other small to medium-sized businesses; not all companies/products are licensed in all states; New York business is conducted through New York-licensed companies; workers’ compensation and certain optional coverages are not available in all states. Submission/placement guidance is agent-led rather than open broker E&S style: business is marketed through local agents, with quote and servicing entry points directing users to Find an Agent/Get a Quote on Farm Family/American National. Producer notes publicly visible include access for agents through ML Login/Agent Central, and messaging that underwriting, risk services and claims professionals support agents and insureds. Notable operating change: American National is transitioning specialty property & casualty branding to Farm Family, so current business/farm underwriting-facing content is more readily found on FarmFamily.com than on legacy AmericanNational.com pages.