1st Auto & Casualty Insurance Company
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Carrier appetite summary
As of January 1, 2024, 1st Auto & Casualty Insurance Company (NAIC 44725) is in court-ordered liquidation under the supervision of the Wisconsin Office of the Commissioner of Insurance (OCI). The carrier is no longer a going concern market for new or renewal business and does not have an active underwriting appetite or producer submission guidance in effect. Operational status and impact on underwriting - Liquidation order: Liquidation effective January 1, 2024; order entered January 2, 2024 by Dane County Circuit Court in Wisconsin. All existing policies were canceled 15 days after entry of the order per OCI communications, and the company is being wound down through statutory liquidation, with claims handled via guaranty associations where applicable. - Licensing: Previously licensed in AR, IA, IL, MO, SD, and WI. Current status in at least some states (e.g., Missouri) is inactive. The company is not available as an active carrier for placements. - Administration: The Wisconsin Commissioner of Insurance is the Liquidator, with a Special Deputy Liquidator administering the estate. All operational decisions, including claim handling, are subject to liquidation procedures rather than standard underwriting. Former lines of business (historical only – not currently marketable) - Personal auto: Private passenger auto liability and physical damage written primarily for policyholders of town mutual insurers reinsured by Wisconsin Reinsurance Corporation (WRC). - Commercial/business auto: Commercial automobile liability and physical damage. - Personal and farm liability/umbrella: Personal umbrella, farm umbrella and liability tied to the town mutual distribution system. - Other authorized lines (per OCI listing for WRC/1st Auto combined authority): aircraft, fire, inland marine and other property, and non‑auto liability with incidental medical expense. These authorities are historical and subject to liquidation; they do not represent an active appetite. Preferred / target business - There is no current preferred or target business. Historical focus was auto (personal and business) and associated umbrella/liability for insureds of town mutual carriers reinsured by WRC in Wisconsin and surrounding states, but those guidelines are moot under liquidation. Restricted or declined classes - All new and renewal business is effectively declined. Producers must not submit new risks, endorsements to add exposure, or rewrites, as the company is not writing or renewing policies. - Any prior internal underwriting initiatives (e.g., tightening standards, re-underwriting the book, seeking rate increases) were part of the failed rehabilitation phase and do not apply going forward. Geographic notes - Domiciled in Wisconsin with operations historically focused on Wisconsin town mutual policyholders and select surrounding states (AR, IA, IL, MO, SD). Under liquidation, there is no active geographic appetite; activity is limited to runoff of legacy obligations under guaranty association frameworks and liquidation procedures. Submission / producer instructions (current) - Do not submit new business, endorsements to expand coverage, or renewal requests to 1st Auto & Casualty Insurance Company. - Agents previously appointed with 1st Auto were formally notified of the liquidation and are required under Wisconsin law to inform policyholders of the liquidation, cancellation of policies, and the need to obtain replacement coverage. - All questions regarding existing or legacy policies, claims, unearned premium, and proofs of claim must be directed to the Special Deputy Liquidator or the contact information provided by OCI, not to any former underwriting or marketing contacts. - Proofs of claim against the estate were subject to a bar date of July 1, 2024; current handling and late-claim rules follow OCI liquidation procedures. Agents should refer insureds and claimants directly to the liquidation office rather than attempting to manage coverage changes. Producer/broker practical notes - Treat 1st Auto & Casualty as a liquidated carrier used only in a historical or runoff context. It should not appear on new submissions, marketing placements, or comparative raters for active quoting. - When encountering existing or legacy 1st Auto policies in client files, verify that replacement coverage was obtained with a solvent carrier as of or before January 17, 2024, and document that discussion. - For E&O risk control, document any client communications regarding the liquidation, policy cancellation, and transition to new coverage. Net effect: There are no active underwriting guidelines or appetite for 1st Auto & Casualty Insurance Company. All operational activity is limited to liquidation, claim and creditor administration by the Wisconsin OCI and its Special Deputy. Brokers and producers should not submit or place business with this carrier and should instead focus on moving any remaining affected insureds to other markets.