Falcon Insurance Company - TALON Financial 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
Falcon Insurance Company (TALON Financial Group) appears in current agent/carrier references as a personal auto writer only, with no evidence of homeowners, commercial or other lines. An Ebix carrier matrix identifies Falcon Insurance Co. (TALON Financial Group) solely in the Personal Auto column, confirming a mono-line nonstandard auto focus.([ebixasp.com](https://www.ebixasp.com/ebixasphelp/EbixASP_Certified_Download_Carriers_02-28-2023.pdf?utm_source=openai)) Preferred business (inferred from positioning and distribution): - Non‑standard and marginal personal auto risks where insureds have imperfect driving histories or prior insurance gaps. Falcon’s public site emphasizes affordable auto insurance for drivers with "less-than-perfect driving records" and flexible payment plans, indicating a target market of higher‑risk drivers needing SR‑22 or basic state minimum limits in urban and suburban territories.([falconinsgroup.com](https://www.falconinsgroup.com/?utm_source=openai)) - Business is written through appointed independent agents; the website promotes becoming an agent and does not advertise direct‑to‑consumer online quoting, so producers should expect Falcon to be used as an E&S‑style nonstandard market within comparative raters in approved states.([falconinsgroup.com](https://www.falconinsgroup.com/?utm_source=openai)) Restricted or declined classes (not explicitly published – operational expectations only): - No official appetite guide is posted; however, being listed only for Personal Auto suggests Falcon does not write homeowners, commercial auto, or other property/casualty lines, and submissions for non‑auto or commercial risks should be directed elsewhere.([ebixasp.com](https://www.ebixasp.com/ebixasphelp/EbixASP_Certified_Download_Carriers_02-28-2023.pdf?utm_source=openai)) - Expect underwriting restrictions typical of nonstandard auto carriers: likely to surcharge or decline drivers with very severe violations (e.g., multiple DUIs, major fraud indicators) or unacceptable vehicle types (exotics, heavily modified vehicles), based on industry norms rather than published Falcon-specific rules. Geographic notes: - Public materials identify Falcon Insurance Company as headquartered in Oak Brook, Illinois, and it is found as an auto option in comparative rating tools in states such as Texas, indicating a multi‑state footprint with distribution through local agents.([urbasekinsurance.net](https://www.urbasekinsurance.net/insurance-company/falcon-insurance-company?utm_source=openai)) - No formal state‑by‑state appetite chart, territorial restrictions, or coastal/cat‑driven exclusions are published online. Availability should be confirmed in each rater or company state‑availability list at the point of quote. Submission and underwriting workflow (operational): - No standalone underwriting or appetite guide, producer manual, or class‑by‑class rules are posted publicly. Carriers like Falcon typically require agents to quote and bind via approved comparative raters or a proprietary agent portal, with STP for straightforward risks and possible underwriter referral for complex driver/vehicle combinations. - Claims and billing are handled via the main Falcon website and app, which connects to Talon Financial Services, LLC for mobile servicing; producers should direct policyholders to use the app or web links for payments and claim reporting but follow internal agency workflows for First Notice of Loss when required.([appshunter.io](https://appshunter.io/ios/app/1085821738/reviews?utm_source=openai)) Broker/producer instructions: - Falcon’s site invites agents to "Become an agent" but does not publish open producer codes; appointment or access appears controlled through Falcon’s distribution or through agency networks and raters.([falconinsgroup.com](https://www.falconinsgroup.com/?utm_source=openai)) - No public instructions regarding documentation standards (photos, prior dec pages, MVRs), binding authority thresholds, or special approval requirements are available; these are assumed to be contained in secure producer manuals or portal resources. Net: treat Falcon Insurance Company – TALON Financial Group as a nonstandard personal auto market accessed via raters/portals, with appetite focused on higher‑risk personal auto, no published expansion into other lines, and no publicly available detailed underwriting guide. Coordinate with your network/GA or Falcon marketing rep for state‑specific rules, documentation, and binding authority until an official appetite or underwriting manual is released.