Celina Insurance
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
Celina Insurance Group is a regional Midwestern P&C carrier writing in a limited footprint (business coverages explicitly underwritten by The Celina Mutual Insurance Company in OH, IN, TN and WV; other program availability may vary by state). Producers should confirm state eligibility by line before marketing. PREFERRED / TARGET COMMERCIAL ACCOUNTS • Small business BOP: Main-street risks that fit into Celina’s BOP/BOP Plus/BOP Platinum Plus offerings. Target classes called out by name include: trade contractors; churches; automobile services and car washes; used auto dealers; retail; wholesale; convenience stores, grocery stores and restaurants; professional and general offices; a range of service and processing businesses (e.g., self‑storage, funeral homes, beauty/barber shops, auctioneers, pet groomers); bed & breakfasts (3+ years’ experience, 5 or fewer guest rooms with owner-occupied remainder); rental properties (LRO and residential rentals with good maintenance and pride of ownership); and buildings undergoing renovation.([www2.celinainsurance.com](https://www2.celinainsurance.com/our-products/business/?utm_source=openai)) • Commercial package / property & liability: Same core small-business segments as above, with property, GL and optional add-ons (inland marine, auto, umbrella, workers comp in eligible states) packaged together. Emphasis on well‑maintained premises, stable operations and good loss experience. • Workers compensation: Marketed as part of small business solutions and supported with a formal Loss Control program that focuses on safety culture, return‑to‑work and on‑site consultations, indicating a preference for employers willing to engage in proactive safety and claims management.([www2.celinainsurance.com](https://www2.celinainsurance.com/loss-control/?utm_source=openai)) • EPLI: Small businesses up to 50 employees, often added to BOP or package accounts, with access to legal advice, employment‑practices risk management resources and online training. Limits up to $1M available on referral.([www2.celinainsurance.com](https://www2.celinainsurance.com/epli/?utm_source=openai)) • Homeowners and personal lines: Offered as part of Celina’s overall product suite; appetite is typical preferred/standard personal lines and can complement commercial accounts for account rounding.([www2.celinainsurance.com](https://www2.celinainsurance.com/our-products/?utm_source=openai)) GEOGRAPHIC NOTES • Business coverages on the Business Insurance page are specifically noted as underwritten by The Celina Mutual Insurance Company in OH, IN, TN and WV, signaling this as the core commercial footprint. Availability of specific programs, credits and discounts varies by state and program, so agents should verify state availability before quoting.([www2.celinainsurance.com](https://www2.celinainsurance.com/our-products/business/?utm_source=openai)) • Celina writes only through appointed independent agents in a small number of states; it is not a national writer. Agents must have an appointment to access underwriting and quoting resources.([www2.celinainsurance.com](https://www2.celinainsurance.com/?utm_source=openai)) KEY CLASS / PROGRAM HIGHLIGHTS • Trade Contractors: Targeted package/BOP solution featuring building & contents, tools and equipment, materials awaiting installation and property of others. Generally suited to light‑to‑medium hazard contracting with conventional premises and operations.([www2.celinainsurance.com](https://www2.celinainsurance.com/our-products/business/?utm_source=openai)) • Churches: Dedicated church program with tailored coverages (building and stained glass, higher money & securities limits around religious holidays, employee dishonesty, medical expense) plus optional counseling professional liability, sexual acts liability, pastor’s contents/personal liability, and D&O/trustees liability. This indicates an affirmative appetite for well‑run religious institutions.([www2.celinainsurance.com](https://www2.celinainsurance.com/our-products/business/?utm_source=openai)) • Auto Services & Car Washes: Structured to rate primarily by employee count rather than payroll, and aimed at light mechanical and auto‑service operations (car wash, glass shop, oil & lube, detail shop, muffler/brake, new tire dealers, etc.). This suggests a focus on smaller service operations rather than heavy repair/auto body exposures.([www2.celinainsurance.com](https://www2.celinainsurance.com/our-products/business/?utm_source=openai)) • Used Auto Dealers: Program includes dealers’ assets plus optional False Pretense, Truth in Lending/Odometer coverage, Dealers Open Lot, Garagekeepers, Drive‑Away Collision and Drive Other Car, indicating a packaged garage/auto dealer appetite for franchised and used car dealers that meet underwriting standards.([www2.celinainsurance.com](https://www2.celinainsurance.com/our-products/business/?utm_source=openai)) • Retail / Wholesale / Office: Broad main‑street appetite with customary property and crime extensions (accounts receivable, employee dishonesty, lock & key replacement, exterior signs, water backup, peak‑season inventory bump, etc.) and slip‑and‑fall/GL coverage, targeting well‑run and well‑maintained occupancies.([www2.celinainsurance.com](https://www2.celinainsurance.com/our-products/business/?utm_source=openai)) • Convenience Stores, Groceries, Restaurants: Dedicated programs including food spoilage, equipment breakdown, employee dishonesty, outdoor signs, medical expenses for accidents and optional liquor liability where allowable, implying a controlled appetite for food and beverage risks with appropriate safeguards and compliance.([www2.celinainsurance.com](https://www2.celinainsurance.com/our-products/business/?utm_source=openai)) • Service & Processing: Includes diverse service classes (self‑storage, funeral homes, beauty/barber, auctioneers, pet groomers, etc.) with coverages for building/contents, property in transit, theft of patterns/dies/molds/forms, personal effects/third‑party property and related liability, indicating flexibility in light manufacturing/processing and personal service segments when risk controls are acceptable.([www2.celinainsurance.com](https://www2.celinainsurance.com/our-products/business/?utm_source=openai)) • Bed & Breakfast: Appetite requires minimum 3 years of operating experience, 5 or fewer guest rooms, and owner occupancy of the remainder of the dwelling, demonstrating a strict small B&B niche and intolerance for larger or absentee‑owner lodging operations.([www2.celinainsurance.com](https://www2.celinainsurance.com/our-products/business/?utm_source=openai)) • Rental Properties: Accepts commercial and residential LRO risks that are well maintained and show clear pride of ownership; D&O may be available for condos/associations, indicating selectivity around habitational management/maintenance quality.([www2.celinainsurance.com](https://www2.celinainsurance.com/our-products/business/?utm_source=openai)) • Renovation Projects: Provides coverage during major repairs or structural changes and can continue coverage post‑completion; Celina will want detailed project information, scope of work and time frame to assess eligibility and pricing.([www2.celinainsurance.com](https://www2.celinainsurance.com/our-products/business/?utm_source=openai)) WORKERS COMP & LOSS CONTROL ORIENTATION • Workers Compensation is offered as part of Celina’s small business package, with workers comp coverage specifically referenced for IN and TN on the BOP description.([www2.celinainsurance.com](https://www2.celinainsurance.com/our-products/business/?utm_source=openai)) • Loss Control: Celina emphasizes proactive risk management, with on‑site safety consultations, development of safety programs, supervisor safety training, return‑to‑work program guidance and access to online risk management resources for commercial policyholders. This implies that risks with poor safety culture, lack of RTW, or unwillingness to engage in loss control are less desirable.([www2.celinainsurance.com](https://www2.celinainsurance.com/loss-control/?utm_source=openai)) RESTRICTED / DECLINED CLASSES (INFERRED) • The public materials do not provide a formal declined‑class list. However, Celina’s focus on small, mainstream business segments and its decision in 2024 to discontinue certain new dwelling fire and other commercial classes suggests a disciplined appetite and a pullback from marginal or catastrophe‑prone property segments.([www2.celinainsurance.com](https://www2.celinainsurance.com/annual_report/index.php?utm_source=openai)) • Agents should expect tighter scrutiny or potential declination for: large or heavy industrial operations, high‑hazard manufacturing, large hospitality or lodging with more than 5 guest rooms for B&B‑type risks, high‑crime or poorly maintained habitational properties, and non‑standard or distressed accounts. These are inferred from the absence of such segments in Celina’s marketing materials and from its stated focus on profitable, small‑business growth. SUBMISSION & UNDERWRITING PROCESS NOTES • Distribution: Celina works exclusively with appointed independent agents; all submissions move through assigned marketing representatives and dedicated underwriter teams (no general underwriting pool). Producers should route new business through their Celina marketing rep and assigned underwriters, who assist with quoting, training and navigating systems.([www2.celinainsurance.com](https://www2.celinainsurance.com/agent-experience/?utm_source=openai)) • Required information: Public pages do not list a formal submission checklist, but given the class‑specific programs, underwriters are likely to expect robust ACORDs plus program‑specific details (e.g., contractor operations and tools schedule; church membership/activities and abuse/molestation controls; auto service operations and number of employees; dealer inventory and lot protection; food/liquor sales breakdown and safeguards; B&B room count/occupancy; renovation scope and timeline; workers comp payrolls and safety/RTW procedures). • Referral business: Higher EPLI limits ($500K and $1M) require referral to the company, signaling similar referral expectations for larger or atypical risks in other lines.([www2.celinainsurance.com](https://www2.celinainsurance.com/epli/?utm_source=openai)) • Service expectations: Celina markets a “common‑sense approach to underwriting” and quick, relationship‑driven responses; agents are encouraged to call or email their underwriter teams to discuss borderline or non‑standard risks rather than assume eligibility.([www2.celinainsurance.com](https://www2.celinainsurance.com/agent-faq/?utm_source=openai)) BROKER / PRODUCER INSTRUCTIONS • Appointment required: Agents must be appointed to access Celina markets; prospective agents are directed to work with marketing representatives via the Agent Experience portal.([www2.celinainsurance.com](https://www2.celinainsurance.com/agent-experience/?utm_source=openai)) • Collaboration: Celina explicitly positions underwriting as relationship‑based rather than pool‑based; each agency has a set underwriting team to work alongside the producer in marketing, quoting and placing business. Producers should leverage these relationships early in the sales and placement process, especially for multi‑location or multi‑line accounts.([www2.celinainsurance.com](https://www2.celinainsurance.com/agent-experience/?utm_source=openai)) • Loss control engagement: Producers are encouraged to promote Celina’s loss control and risk management services as part of the value proposition for commercial and workers comp accounts and to connect insureds with Loss Control early when there are significant premises, operations or employee‑injury exposures.([www2.celinainsurance.com](https://www2.celinainsurance.com/loss-control/?utm_source=openai)) Operationally, Celina is best used for small to mid‑size, well‑run main‑street accounts in its core Midwestern footprint that value a hands‑on agent and carrier relationship, will cooperate with loss control, and fit within its defined program niches. High‑hazard, distressed or non‑standard risks should be pre‑discussed with underwriting and are often better placed elsewhere.