Commercial Underwriting

Our underwriting process combines the best of a technological approach with proven human underwriting.

Our easy- to- use Web based application screens potential policyholders based on our underwriting guidelines. This on-line screening process allows our agents to bind qualifying risks without submitting them to the company for pre-approval. Risks that may qualify but that are not clearly eligible are referred on-line for review by our underwriters.

Our GL underwriting dept is comprised of underwriters with an average of 10 years experience in underwriting small GL Accounts. These underwriters have the authority to accept or decline potential applications that may be somewhat outside the guidelines, based on the individual risk, the premium on the account and the producer involved.

Policy information is verified by our underwriting team on new and renewal business. Our underwriters use a variety of tools, websites, and public records to underwrite risks submitted to us.



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