Cornerstone 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
Multiple unrelated entities use the name “Cornerstone Insurance” (independent retail agencies, brokers, an underwriting MGU that recently rebranded, and a Nigerian insurer). None of the search results clearly identify a current U.S. admitted or E&S carrier whose legal name is exactly “Cornerstone Insurance” and that publishes a formal underwriting or appetite guide for producers. Key findings: - Cornerstone Insurance Producers LLC (a U.S. MGU/program administrator) has rebranded to Alchemy and operates under that name per a 2025 Florida OIR examination reference; current underwriting material appears under the new brand, not under “Cornerstone Insurance.”([alchemyins.com](https://alchemyins.com/wp-content/uploads/2025/04/PR-Website.pdf?utm_source=openai)) - Numerous retail agencies titled “Cornerstone Insurance,” “Cornerstone Insurance Group,” “Cornerstone Insurance NW,” etc., act as independent brokers placing business with various carriers; they are not carriers themselves and do not publish carrier-level underwriting guidelines or risk appetite documents.([cornerstonespecialty.com](https://www.cornerstonespecialty.com/?utm_source=openai)) - Cornerstone Insurance Plc is a Nigerian insurer with financial condition reports but no U.S.-producer appetite guide relevant to U.S. P&C submissions.([cornerstone.com.ng](https://cornerstone.com.ng/corporate/files/Cornerstone_Life_Financial_Condition_Report_December_2024.pdf?utm_source=openai)) Because there is no uniquely identifiable U.S. carrier named “Cornerstone Insurance” with public underwriting or appetite guidance, I cannot reliably state preferred classes, restricted/declined classes, geographic focus, or submission requirements for "Cornerstone Insurance" as a carrier. Operational notes for brokers/producers: - Treat “Cornerstone Insurance” carefully in internal records and submissions; confirm the **exact legal entity name** (including “Company,” “Producers,” “Plc,” or DBA) and domicile before binding or marketing appetite. - If you are actually working with the former **Cornerstone Insurance Producers LLC**, use the current brand/legal name (Alchemy) and obtain appetite and underwriting guidance directly from their producer portal, marketing materials, or underwriters; do not rely on legacy “Cornerstone” branding. - For any local agency called “Cornerstone Insurance,” follow the underwriting/appetite of the **end carrier(s)** they place with (e.g., national or regional insurers listed on quotes), not the agency itself. Given the ambiguity and lack of a definitive carrier-branded underwriting or appetite page under the name "Cornerstone Insurance," no authoritative guidelines refresh can be provided for this name alone. Please supply the full legal entity name, domicile (state or country), or group affiliation to enable a precise underwriting-guidance refresh.