CIG (Capital Insurance Group)
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
No formal public underwriting, appetite, or producer submission guide is published on Capital Insurance Group’s official site as of this refresh. The site confirms that CIG offers personal Home, Auto, and Business insurance, emphasizing tailored coverage for West Coast clients and service through local advisors, but it does not disclose detailed risk-eligibility rules, preferred classes, or submission standards. Because no official underwriting content is available, you should treat all risk-selection, eligibility, and submission rules as carrier‑internal and subject to change. For operational purposes: • Preferred business (inferred only at a high level): - Standard West Coast homeowners needing "flexible plans" and local-agent support, with no specific public restrictions by occupancy, construction, or protection class. The marketing focus is on comprehensive home protection and individualized advice, not on non‑standard or distressed property business. - Personal auto and small-to-midsize business accounts that can be written alongside home coverage, based on the general “trusted coverage” and business solutions messaging. • Restricted or declined classes: - No official list of prohibited or restricted home risks is published. Do NOT assume acceptance or declination of any specific occupancy (e.g., short‑term rentals, high‑brush/wildfire areas, coastal CAT) without checking directly with the carrier or current rate/underwriting documentation. • Geographic notes: - Public positioning is “Serving the West Coast with trusted coverage options,” with emphasis on West Coast communities. Assume primary focus on West Coast states and confirm actual state availability and any county/ZIP restrictions via the carrier’s internal materials or your agency portal. • Submission requirements (external view only): - The site provides a generic “Get Quote” workflow and contact options for prospects. No producer-only submission checklist, documentation standards, or binding authority rules are posted. - For agency operations, treat CIG as a standard regional P&C carrier where submissions should follow your appointed-agent portal or current producer agreements for data fields, inspection requirements, and supporting documents. • Broker / producer instructions: - No public producer or broker section is available on the website, and there are no posted appetite or “how to submit business” guides. - All producer-facing underwriting rules, appetite detail, and referral thresholds must be obtained from CIG’s internal manuals, portals, or marketing reps. Do not rely on marketing copy as a substitute for binding criteria. Net: There is currently no verifiable, carrier‑authored, public underwriting or appetite guide for CIG homeowners. Treat marketing information as high‑level only and defer to internal CIG documentation and underwriter direction for any concrete eligibility, preferred classes, or restricted/declined risk determinations.