LocalEdge Brokerage
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
LocalEdge Brokerage publishes a broad U.S. wholesale/brokerage appetite rather than a single carrier-style underwriting manual. Current official appetite materials on the LocalEdge site show active focus on commercial brokerage, personal lines brokerage, small commercial/ comparative-rater business, selected middle market accounts, agribusiness, restaurants, garage, and multiple direct-access programs. Preferred commercial segments specifically called out include construction, professional services, wholesale distribution, manufacturing, healthcare, real estate, financial institutions, life sciences, technology, printers/publishers, agribusiness, restaurants, eligible garage risks, professional offices, lessor’s risk/non-residential, retail, pet care, photography, beauty parlors, convenience stores/gas stations, and selected auto repair/body shop risks. Small commercial is quoted through CoverForce / LocalEdge iQuote for GL, BOP, workers’ compensation, and umbrella; restaurant guides also reference BOP, commercial auto, GL, and workers’ compensation through iQuote. Middle market positioning targets accounts above roughly $50,000 premium, property schedules over $15 million, and revenue over $15 million, with 60 days lead time requested. Restaurant underwriting notes favor year-round operations, UL 300 fire suppression, less than 50% liquor sales, and limited delivery exposure. Garage appetite highlights auto repair, full-service/automatic car washes with attendants, oil & lube, and gas station/convenience risks. Agribusiness materials note success with farm work comp, food processing, inland marine, irrigation pivots, machine operators, non-standard property, product recall, pollution liability, animal mortality, crop spraying, custom harvesters, equine exposures, farm supply stores, and commercial excess. Restricted/declined or limited classes shown in current guides include tanning exposures; eyebrow threading, micro-pigmentation, or other invasive beauty treatments; auto repair with racing modifications; used or retread tire sales; pet care involving rescue/shelter activities or product manufacturing; retail involving tobacco, vape, firearms, or adult content; and restaurant/food risks that fall into tougher non-admitted classes such as bars/pubs/taverns, buffets, hibachi, hookah bars, and concession stands. Garage notes also indicate limited used tire exposure and that dealer markets are not available in DC, HI, KY, and additional states not fully visible in the extracted guide. Geographic notes: LocalEdge operates in the U.S. and repeatedly notes that not all classes or lines are available in all states. Its Direct Access page lists broad state availability by program, with many offerings available in most or all states, but some products are narrower—for example Kemper non-standard auto is shown only in AZ, CA, CO, CT, FL, GA, PA, and TX, while Tokio Marine HCC contractor-focused offerings are shown only in FL, GA, NC, OH, PA, SC, and TX. Submission requirements currently published include ACORD applications, supplemental applications as needed, property schedules as needed, vehicle and driver schedules as needed, a description of operations, currently valued loss runs, and claim details for losses over $25,000 on middle market business. Personal lines brokerage asks for a fully completed ACORD application for each line. Operationally, LocalEdge routes submissions by team: iQuote / small commercial via CoverForce or iQuote; commercial E&S binding submissions to the E&S Binding Team; broad other commercial new business to the general commercial new business mailbox; and personal lines brokerage to the personal lines new business mailbox. Broker/producer instructions currently emphasized include accessing CoverForce through The Bridge, submitting via LocalEdge iQuote where indicated, using the published contact routing by department, and obtaining appointment access for Direct Access business through the posted appointment workflow. LocalEdge also notes its posted appetite guides are only a subset of overall market access and that product/carrier availability was updated as of March 2025 and remains subject to change.