Conifer Holdings, Inc.
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
Corporate / capacity context - Conifer Holdings, Inc. historically wrote admitted and E&S commercial and personal lines through Conifer Insurance Company and White Pine Insurance Company. By September 30, 2024, almost all commercial lines previously underwritten by Conifer’s insurance company subsidiaries were being written on third‑party carrier paper, with Conifer acting in a program / fronting capacity rather than as the risk‑bearing carrier for most commercial business. - Conifer’s current strategic focus is on personal lines, particularly homeowners in Texas and the Midwest, while maintaining limited, niche commercial offerings such as cannabis and select workers’ compensation, generally administered through Conifer Insurance Services / Conifer Insurance Group brands rather than directly through CIC/WPIC. ([globenewswire.com](https://www.globenewswire.com/news-release/2025/08/13/3132949/36833/en/Conifer-Holdings-Reports-2025-Second-Quarter-Financial-Results.html?utm_source=openai)) Key active/niche programs located 1) Cannabis Select Program (Conifer Insurance Services) - Product type: Specialized package for cannabis operators (property, business interruption, and liability coverages; exact forms and limits are account‑specific and subject to underwriting). - Target / preferred business: • Large‑scale plant‑touching cannabis operators and multi‑state operators (MSOs). • Cultivators, manufacturers, retailers and other licensed plant‑touching cannabis businesses in states with legal recreational or medical cannabis markets. • Accounts needing high‑limit capacity and broader coverage (explicit marketing emphasis on “large‑scale operators and MSOs” and “robust coverage options and high‑limit capacity”). ([coniferinsurance.com](https://coniferinsurance.com/insurance-programs/cannabis-select-insurance-program/?utm_source=openai)) - Geographic appetite: • Available in U.S. states and DC where cannabis is legal for recreational or medical use. • No specific state‑by‑state list is published on the public page; treat eligibility as dependent on legality and program approval in that jurisdiction and confirm with underwriter for new or changing states. ([coniferinsurance.com](https://coniferinsurance.com/insurance-programs/cannabis-select-insurance-program/?utm_source=openai)) - Coverage notes (high‑level, as publicly disclosed): • Property including theft and burglary may be available, but is explicitly subject to underwriting guidelines and security requirements (expect detailed security/alarms/vault/transport controls at submission and potential subjectivities on binding). • Business interruption coverage is available as part of the property coverage, subject to standard property/BI underwriting (location, construction, fire and theft protection, dependency exposures, etc.). ([coniferinsurance.com](https://coniferinsurance.com/insurance-programs/cannabis-select-insurance-program/?utm_source=openai)) - Restricted / declined classes (inferred from appetite): • Public‑facing page lists only broad target classes and does not list formal declines. Underwriters are likely to avoid very small / start‑up operations that do not meet security, SOP, or financial requirements, or any operations not properly licensed in their state. • Non‑plant‑touching ancillary businesses (consultants, landlords, etc.) are not listed as targets; submit only after underwriter conversation. - Submission and producer instructions: • Agency partners submit applications by email to the dedicated program inbox: CannabisSelect@ConiferInsurance.com. • Additional marketing/underwriter contact available via Marketing@ConiferInsurance.com or through a meeting request on the website. • Applications and program materials (e.g., cannabis liability and property applications) are available on the Conifer Insurance Services “Applications” page; producers should complete the program‑specific forms and include required supporting documentation (detailed SOPs, security layouts, license copies, financials as requested). ([coniferinsurance.com](https://coniferinsurance.com/insurance-programs/cannabis-select-insurance-program/?utm_source=openai)) • Expect normal program‑style underwriting: fully completed application, loss runs, site/security information, values by location, and clear description of operations prior to quoting. 2) Workers’ Compensation (Conifer Insurance Group – marketing sheet) - Product type: Customized workers’ compensation solutions delivered through Conifer Insurance Group branding, with services provided or coordinated by Conifer Insurance Services. - Appetite / preferred risks: • Marketing emphasizes “customized solutions” and risk management support rather than a granular class list on the public sheet; target is generally small‑to‑middle market accounts needing tailored WC solutions in niche or underserved segments. • Policies are written with underwriting review and are subject to Conifer’s guidelines; classes, limits and jurisdictions should be confirmed with the WC underwriter or marketing contact prior to submission. - Submission / producer notes: • Materials note that coverage is provided through Conifer Insurance Group companies and is subject to underwriting guidelines and review; the WC program sits alongside other specialty programs managed by Conifer Insurance Services. • Use the general agency/producer channels (existing appointments) and be prepared to provide ACORD apps, detailed class codes and payroll by state, plus five‑year loss runs. • Where regulators require WC underwriting guideline filings (e.g., Texas), Conifer will have filed internal guidelines with the DOI; retail agents rely on program marketing rather than those filings for placement detail. ([coniferinsurance.com](https://coniferinsurance.com/wp-content/uploads/2024/03/CIG_Workers-Compensation.pdf?utm_source=openai)) Personal lines / homeowners focus - Conifer’s SEC and investor disclosures state that, as of 2025, the company’s main underwriting focus is homeowners business in Texas and Midwestern states, with commercial lines representing a small and shrinking share of total premium. - Operationally, this means retail agents should view Conifer primarily as a homeowners carrier in TX and the Midwest, with commercial opportunities largely limited to niche programs administered via third‑party capacity (e.g., cannabis) rather than broad open‑broker commercial property/CGL markets. ([globenewswire.com](https://www.globenewswire.com/news-release/2025/08/13/3132949/36833/en/Conifer-Holdings-Reports-2025-Second-Quarter-Financial-Results.html?utm_source=openai)) General broker / producer guidance - Producer access and appointment: • Conifer Insurance Services positions itself as a specialty program administrator providing agents and brokers with niche products and “flexible underwriting.” New producers request appointment via the “Agent Appointment Request” page and must meet standard licensing and production expectations. ([coniferinsurance.com](https://coniferinsurance.com/agent-appointment-request/?utm_source=openai)) • Since 2024, Conifer Insurance Services has been owned by Bishop Street Underwriters (RedBird Capital). Marketing communications emphasize investment in underwriting talent and data/AI‑driven insights; producers should expect more data‑rich submissions and potentially tighter program adherence, particularly on cannabis. ([coniferinsurance.com](https://coniferinsurance.com/strengthening-cannabis-industry-commitment/?utm_source=openai)) - Submission quality expectations (all programs): • Use Conifer/Program‑specific applications from the Applications page where available. • Provide complete, current loss runs (typically 3–5 years), detailed description of operations, schedule of locations/values, and risk‑control information (security, life‑safety, and SOPs for cannabis accounts in particular). • Expect underwriters to prioritize submissions from appointed agents that are complete on first look; incomplete or speculative submissions may not be worked. Important limitations / operational takeaways - Publicly available information does not provide line‑by‑line class grids or detailed restricted/declined lists for standard Commercial Property, CPP, or Homeowners; these are governed by internal filings and program guidelines and may also be written on third‑party carrier paper through MGA/program arrangements. - For new or unfamiliar classes, or for states outside Texas/Midwest (homeowners) and legalized cannabis states (Cannabis Select), brokers should contact Conifer underwriting or marketing before marketing to insureds. - Due to Conifer’s recent strategic shift and capital constraints, treat historical appetites (older marketing or filings) as potentially out‑of‑date; verify current interest and capacity with the appropriate program underwriter before relying on any legacy appetite references.