Grange Insurance

Carrier appetite summary

General / Distribution - Grange is a regional standard-lines carrier writing personal and commercial P&C through appointed independent agents across 13 states (GA, IL, IN, IA, KY, MI, MN, OH, PA, SC, TN, VA, WI). Appetite and eligibility are managed digitally via Ask Kodiak and accessed through the Grange Agent portal; agents are expected to reference this tool for current risk appetite rather than static PDFs. Homeowners (Personal Lines – example PinPoint Home® OH guide) Preferred business: - Well-maintained, owner-occupied 1–4 family dwellings with standard construction in good repair, roofs in good condition, and no serious liability hazards. - Insureds with stable prior insurance, no significant gaps, and limited loss history. Better tiers for higher credit/insurance scores and clean CLUE/MVR profiles. - Standard protection class, adequate updates to roof, wiring, plumbing and heating, and no prior major fire or liability losses. Restricted / higher-underwriting-review home risks (PinPoint Home® 3 OH guide used as proxy): - Homes with multiple non‑preferred characteristics (e.g., prior losses, condition issues, certain animals, unfavorable prior insurance history) may be ineligible for preferred programs and pushed to lower tiers or declined. - Risks with prior policy cancellation, non‑renewal, or denied reinstatement by Grange or an affiliate are red flags and may be ineligible for preferred programs or for coverage entirely. - Material misrepresentation or fraud indicators at quote, binding, or claim are grounds for declination, rescission or non‑renewal. - Manufactured/mobile homes: titled or deeded as a mobile home, trailer home or house trailer, or those with HUD plates, are specifically identified as not eligible under the standard PinPoint Home program and must be written, if at all, in a separate manufactured‑home product. Declined / generally ineligible home risks (per PinPoint Home® underwriting guide): - Dwellings that fall outside structural, occupancy, or condition standards (e.g., severe deferred maintenance, uncorrected prior recommendations, serious liability hazards, unrepaired major damage). - Certain occupancies not contemplated by standard HO (e.g., rooming houses, some short‑term rental or business occupancies) and dwellings with unapproved wood‑burning devices or other high‑hazard features. Geographic notes – Home: - Grange Insurance (Columbus, OH group) is distinct from Grange Insurance Association (Pacific Northwest). Home product availability, forms and underwriting vary by state and entity; the PinPoint Home® 3 guide referenced is specifically labeled for Ohio and may differ in other Grange states. - Coverage, forms and eligibility are state‑specific; the guide repeatedly states that coverage is subject to underwriting approval and to policy contract terms. Workers Compensation / Commercial Lines (high‑level, from public site and appetite announcement): Preferred business characteristics: - Standard main‑street and light‑to‑moderate hazard classes within Grange’s regional footprint—small to mid‑sized businesses that align with loss‑control capabilities. - Accounts that bundle multiple lines (WC, GL, property, auto, umbrella) with Grange to support account underwriting and pricing. - Better-than-average loss experience, stable operations, and a focus on workplace safety for WC. Restricted / avoid classes (commercial – directional, not exhaustive): - Heavy industrial, high‑hazard contracting, and risks that commonly require E&S markets are generally not target appetite. Agents are expected to consult the digital appetite (Ask Kodiak in Grange Agent) to confirm appetite by NAICS and product before marketing. - Certain classes or states may be closed or severely restricted in WC or property due to loss experience or catastrophe exposure; these will be visible only in the real‑time appetite tool and are not detailed on public pages. Commercial package / property / umbrella: - Targets standard office, retail, professional, and light‑mercantile/wholesale and service accounts that fit regional property‑cat guidelines and have acceptable construction, protection and occupancy. - Umbrella is typically written excess over an underlying Grange account (GL/auto/WC) that meets minimum limit and hazard criteria; stand‑alone umbrellas or umbrellas over dissimilar or unsupported underlying carriers are generally unfavorable. Submission & producer instructions: - Appetite guidance and underwriting notes for all commercial and most personal products are provided digitally through Ask Kodiak; producers must log into the Grange Agent portal and search by class/NAICS to confirm appetite before submission. - Submissions are handled through the agency portal; coverages on public marketing pages are explicitly noted as subject to underwriting approval, and Grange reserves the right to refuse to quote any individual premium. - Agents are expected to consult state‑specific product and underwriting guides (like the PinPoint Home® guide) available in the secure agent portal for detailed eligibility, documentation requirements, and tier placement criteria. Operational takeaway for brokers: - Use the Grange Agent/Ask Kodiak digital appetite tool as the system of record for what Grange will or will not write in Workers Comp, Commercial Package/Property/Umbrella, and Home, and for any state‑specific restrictions. - For Home, avoid submitting manufactured/mobile homes into the standard PinPoint Home program and be cautious with risks that have prior Grange non‑renewal/denied reinstatement or significant condition/loss issues. - For commercial, steer standard regional main‑street accounts with solid loss history and safety culture to Grange; route heavy‑hazard and non‑standard occupancies elsewhere or confirm appetite first in the portal. - Always treat public site product descriptions as marketing; binding authority and eligibility are governed by filed state forms and the latest guides and rules in the secure portal.

Referenced source pages