Arrowhead General Agency
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
Arrowhead General Insurance Agency operates as a national program administrator/MGA with multiple carrier partners. Appetite, underwriting, and submission requirements are program-specific and accessed primarily through Arrowhead Exchange and product pages rather than a single master guide. PERSONAL / HOMEOWNERS & PERSONAL UMBRELLA - Preferred business: Standard to above‑average personal lines accounts written through participating carriers and Arrowhead Exchange. For the stand‑alone Personal Umbrella program (carrier RLI), target insureds have: up to 10 road‑licensed vehicles, up to 3 watercraft (excluding canoes, jet skis, waverunners), a maximum of 8 drivers, and at least $300,000 underlying homeowners liability. Limits of $1M, $2M, $3M, or $5M are available with competitive pricing and 2‑day new‑business turnaround. Domestic partners in same household, youthful operators, classic/show/antique vehicles, and one prior DUI may be acceptable subject to overall risk profile. - Restricted/declined for umbrella: More than 10 vehicles, more than 3 eligible watercraft, more than 8 drivers, homeowners liability under $300,000, and risks failing carrier‑specific eligibility (e.g., excessive accidents/violations beyond program tolerance, unapproved vehicle or watercraft types). Applicants with more than one DUI or with severe driving records are likely to be declined. - Geographic notes: Personal Umbrella available in a broad multi‑state footprint including much of the West, South, and Northeast (e.g., AZ, CA, CO, CT, FL, GA, IL, IN, LA, MD, MA, MT, NV, NJ, NY, NC, OK, OR, PA, RI, SC, TX, UT, VA, WA, and other listed states). Availability of home/other personal property programs varies by state and must be checked via the product‑by‑state search or Arrowhead Exchange.([arrowheadgrp.com](https://www.arrowheadgrp.com/products/personal-umbrella/?utm_source=openai)) - Submission/processing: Producers quote and submit personal umbrella via the RLI access link on ArrowheadExchange.com; e‑signature and online payment are available at point of sale. Homeowners quoting is also done via Arrowhead Exchange with online help, and agents are directed to separate underwriting guidelines documents for detailed eligibility and coverage rules.([arrowheadgrp.com](https://www.arrowheadgrp.com/products/personal-umbrella/?utm_source=openai)) - Producer notes: Personal umbrella is written on RLI paper; Arrowhead serves as program administrator. Producers must be appointed with Arrowhead or use the “Become a Producer” workflow and can request access to additional personal products using the producer portal.([arrowheadgrp.com](https://www.arrowheadgrp.com/producers/?utm_source=openai)) COMMERCIAL LINES (WC, PROPERTY, UMBRELLA, PACKAGE) - Preferred business: Arrowhead positions itself as a broad commercial and specialty program administrator, with targeted programs including small commercial, earthquake, and other niche segments. Marketing and program flyers (e.g., Specialty Small Business / Commercial Earthquake) show a focus on underwritten, guideline‑driven risks with attention to property age, construction, protection, and occupancy. Workers Comp, Commercial Property, Commercial Umbrella, and CPP are typically written within these defined programs and are best suited to standard and slightly specialized risks that align with each carrier’s rules (e.g., compliant construction, acceptable loss history, and stable operations).([arrowheadprograms.com](https://arrowheadprograms.com/?utm_source=openai)) - Restricted/declined business: Each commercial program follows its own underwriting rules; common restrictions include older or poorly maintained property not meeting minimum construction/age and protection criteria, non‑target occupancies, and risks outside small‑business or specialty segments defined in program marketing materials (e.g., non‑qualifying classes or high‑hazard industries for Workers Comp or Umbrella). Agents should assume non‑standard or high‑hazard classes require specific program fit or will be declined. - Geographic notes: Arrowhead’s commercial programs are offered on a state‑by‑state basis; distribution and availability must be checked via "Products by state" search or the Producer portal. Some catastrophe‑sensitive property programs (e.g., earthquake) have more limited state availability and specific eligibility by territory and construction.([arrowheadgrp.com](https://www.arrowheadgrp.com/?utm_source=openai)) - Submission requirements: Commercial submissions are routed through Arrowhead Exchange or specified portals for each program. Agents are expected to follow program‑level underwriting guidelines, provide full ACORD apps or program applications, loss runs, and any supplemental forms requested by the specific carrier/program. Many programs rely on electronic rating and binding within defined eligibility; non‑automatic risks are referred to underwriters for review. - Producer notes: Appointment with Arrowhead is required to access Workers Comp, Commercial Property, Umbrella, and package programs. Producers apply for appointment and product access through the “Become a Producer” and “Apply for More Products” workflows. Available products and appetite are reviewed via the Products/Programs menus, and program documentation (flyers, guidelines) is accessible in producer resources.([arrowheadgrp.com](https://www.arrowheadgrp.com/producers/?utm_source=openai)) BROKER / PRODUCER ADMINISTRATION - Access & contracting: Prospective producers must complete the online producer questionnaire/contracting to become appointed. Existing producers can request access to more products or programs via the producer portal.([arrowheadgrp.com](https://www.arrowheadgrp.com/producers/?utm_source=openai)) - Operational expectations: Arrowhead emphasizes use of the Arrowhead Exchange portal for quote, bind, policy administration, and document access. Claims for policies administered by Arrowhead are handled by the individual carrier or designated claims administrator per product page instructions.([arrowheadgrp.com](https://www.arrowheadgrp.com/?utm_source=openai)) NOTE: Arrowhead does not publish a single consolidated public underwriting guide for all lines; underwriting and risk appetite for Workers Comp, Commercial Property, Commercial Umbrella, Commercial Package, and Home are controlled by program‑specific guidelines and carrier partners within Arrowhead Exchange. Agents should always reference the current program flyer and underwriting guide in the portal for definitive class and territory eligibility before quoting or binding.