Clearside General
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
Clearside General appears to operate as a personal lines automobile general agency/program administrator with an exclusive agreement with a single A- rated carrier; its program is positioned as exclusive to a select group of appointed agents, not broadly distributed through other GAs. Publicly available materials emphasize distribution strategy and carrier relationship but do not provide a current formal underwriting/appetite guide with class-by-class or tier-by-tier rules. Preferred / target business: - Personal lines auto risks placed through appointed/selected independent agents, with an emphasis on agents needing a non-standard/specialty personal auto solution (inferred from positioning as “The Clear Solution For Your Auto Insurance Needs” and focus on personal auto). - Business written only through producers that ClearSide has chosen and appointed; they highlight a "select group of agents" and an exclusive GA-carrier arrangement, so they likely favor agencies with demonstrated auto expertise, production potential, and underwriting discipline. Restricted or declined classes / exposures: - No explicit class-level or driver-level public appetite is published (e.g., no open list of unacceptable vehicles, drivers, or usage types). Any detailed restrictions (DUI frequency, SR-22, ride-share, commercial use, lapse history, etc.) appear to be contained in agent manuals and rating/quoting systems not available publicly. - Because the program is exclusive to their GA-carrier partnership, risks outside personal auto or outside filed program parameters are effectively out-of-appetite and must be placed elsewhere. Geographic notes: - Public sources tie Clearside General Insurance Services, LLC to California and Texas corporate registrations, with expansion mentioned into Southwestern states; however, no open-facing state-availability map or list of active-writing states is provided. - Treat state eligibility, forms, and filings as program-specific and confirm with the current Clearside General rate/quote platform or underwriter; do not assume nationwide availability. Submission/placement requirements (operational expectations – inferred from GA model and exclusive program description): - Business is expected to be submitted through Clearside’s internal online rating/quoting system made available to appointed agents only. - Because they act as a program general agency for a single A- carrier, submissions must conform to that carrier’s filed rules and documentation standards (complete driver and vehicle information, prior insurance details, MVR/CLUE-authorized data, etc.). - Any exceptions to filed rules or out-of-appetite characteristics likely require direct underwriter review; producers should be prepared to provide supporting documentation (e.g., proof of prior, proof of garaging, loss runs for multi-vehicle or small fleet-type risks, explanations for major violations or lapses). Broker/producer instructions & notes: - Clearside operates on an invitation/appointment basis: they explicitly state they provide a select group of agents an “exclusive opportunity,” and the program will not be offered through other general agencies. New producers should expect a formal appointment process, and non-appointed agents generally should not submit business. - Relationship orientation is emphasized; they market themselves as a GA "designed to service the needs of the agent community" with a strong company-agent relationship. Practically, this suggests that clean, complete submissions and consistent production will matter for maintaining favor and potentially for securing exceptions. - Claims are handled directly by the A- rated carrier behind the program rather than by Clearside; producers should direct insureds to carrier claims channels while using Clearside as the underwriting/placement contact. Because there is no current public appetite/underwriting grid, treat all detailed rules (eligible drivers, vehicle types, required documentation, binding authority, and any specific surcharges or disqualifiers) as controlled within Clearside’s internal underwriting manuals and portals. Always confirm current state availability, tiering, and eligibility directly with a Clearside General underwriter or current agent materials before binding.