Great American Insurance 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
Great American Insurance Group writes many lines through specialty divisions; appetite and rules are division- and product-specific, with a strong focus on controlled, specialty niches rather than broad main-street volume. COMMERCIAL PROPERTY (INCLUDING E&S PROPERTY) - Preferred business: - For Great American Risk Solutions non-admitted Property: monoline E&S property with large schedules, max ~$15M TIV per amount subject, minimum premium ~$30,000. Target occupancies include habitational (apartments, res condos, Section 8/subsidized, student housing), hotels/motels, manufacturing, warehouse/distribution, restaurants, retail/mercantile, offices, institutional/social services, service occupancies, vacant buildings, senior living/assisted living/nursing homes, schools and churches. Distributed exclusively via wholesale brokers. Conservative CAT approach: no coastal Tier 1 CAT wind, and generally no Texas, Florida or Oklahoma wind; can consider fire-only placements if CAT wind is excluded. Coverage written on non‑admitted A+ paper.([greatamericaninsurancegroup.com](https://www.greatamericaninsurancegroup.com/about-us/business-operations/product/great-american-risk-solutions/property?utm_source=openai)) - For admitted Property via GREATpolicy (Property & Inland Marine division): online quote/bind/issue platform (GREATpolicy) for small and mid-market Builders Risk, Property and related classes; marketing materials highlight commercial real estate, habitational/condos, distributors, hospitals and healthcare facilities, schools/universities, retail shopping centers, metalworking, public entities/municipalities, transportation hubs and similar well-managed, sprinklered risks. Many classes eligible for equipment breakdown, data compromise, flood/quake (subject to underwriting guidelines), and various property enhancement endorsements.([greatamericaninsurancegroup.com](https://www.greatamericaninsurancegroup.com/docs/default-source/property-inland-marine/southwest-team-brochure.pdf?sfvrsn=f9a85bb1_5&utm_source=openai)) - Restricted/declined: - CAT-exposed property with Tier 1 coastal wind or high-risk wind zones in TX, FL, OK is generally outside E&S property appetite unless written as fire-only or with wind excluded. Habitational and frame in severe CAT territories may be declined or heavily restricted.([greatamericaninsurancegroup.com](https://www.greatamericaninsurancegroup.com/about-us/business-operations/product/great-american-risk-solutions/property?utm_source=openai)) - Geographic notes: - E&S property capacity nationwide but with explicit wind/CAT restrictions (no coastal Tier 1, Texas, Florida or Oklahoma wind; conservative approach to other CAT accumulations).([greatamericaninsurancegroup.com](https://www.greatamericaninsurancegroup.com/about-us/business-operations/product/great-american-risk-solutions/property?utm_source=openai)) - Submission expectations: - E&S Property submissions go through wholesale brokers to Great American Risk Solutions. Standard large-property submissions are expected (fully completed ACORDs, detailed SOV with construction/occupancy/protection/exposure information, loss runs and CAT modeling where applicable). Contact listed division leadership for complex accounts or large schedules.([greatamericaninsurancegroup.com](https://www.greatamericaninsurancegroup.com/about-us/business-operations/product/great-american-risk-solutions/property?utm_source=openai)) - Broker notes: - Wholesale-only distribution for the Great American Risk Solutions E&S property product; retail agents must access via appointed wholesalers. GREATpolicy is oriented to appointed agents for smaller admitted property risks and allows straight-through quote/bind/issue in minutes for in‑appetite classes.([greatamericaninsurancegroup.com](https://www.greatamericaninsurancegroup.com/about-us/business-operations/product/great-american-risk-solutions/property?utm_source=openai)) WORKERS COMPENSATION - Workers compensation is written through multiple GAIG subsidiaries and alternative distribution partners. The official group-level guidance emphasizes targeted classes, underwriting discipline and specialty niches (e.g., transportation, agribusiness, certain main-street and specialty programs) rather than broad, unspecialized comp.([coverforce.com](https://www.coverforce.com/blog/coverforce-and-great-american-insurance-group-partner-to-enable-digital-access-to-commercial-insurance-products-across-the-united-states?utm_source=openai)) - Appetite and exclusions vary by division and program; agents should refer to the specific division (e.g., Alternative Distribution, National Interstate or other specialty comp units) for detailed class-code eligibility, high-hazard restrictions and program rules. Great American has invested in API-based distribution that embeds appetite checks; many small and mid-size BOP/Workers Comp submissions are screened digitally for appetite before quote.([coverforce.com](https://www.coverforce.com/blog/coverforce-and-great-american-insurance-group-partner-to-enable-digital-access-to-commercial-insurance-products-across-the-united-states?utm_source=openai)) - Submission expectations: - For direct appointments or program business, expect standard ACORD Workers Comp apps, detailed operations description, payroll by class, experience mod and current/5‑year loss runs; some programs may require more lead time for large deductibles or loss-sensitive structures. - Broker notes: - Agents can access workers compensation products via appointed retail relationships, alternative distribution partners (e.g., digital platforms integrated to GAIG’s APIs) and program administrators; appetite should be confirmed at the division/program level before marketing high-hazard or unusual classes.([coverforce.com](https://www.coverforce.com/blog/coverforce-and-great-american-insurance-group-partner-to-enable-digital-access-to-commercial-insurance-products-across-the-united-states?utm_source=openai)) COMMERCIAL UMBRELLA / EXCESS LIABILITY - Great American Custom division specializes in umbrella and capacity excess products, along with primary casualty, for commercial clients. Target business generally includes mid- to large-sized accounts needing significant limits over primary GL/Auto/Employers Liability, often in niche industries where GAIG has expertise (transportation, manufacturing, real estate, etc.).([greatamericaninsurancegroup.com](https://www.greatamericaninsurancegroup.com/contact/marketing-contacts?utm_source=openai)) - Evidence from a public board agenda shows that Great American Custom will decline certain risks when operations fall outside appetite (example: complex public authority exposure), reinforcing that underwriting is selective and focused on well-understood, controllable hazard profiles.([drpa.org](https://www.drpa.org/pdfs/BoardAgenda_2021-11-17.pdf?utm_source=openai)) - Restricted/declined tendencies: - High-hazard operations without strong controls, unusual public-entity or quasi-governmental risks, and accounts with severe loss history or unmanageable severity potential are frequently declined. - Submission expectations: - Umbrella/excess placements typically require full underlying submission info (GL/Auto/Employers details, SOVs, fleet schedules, historical losses and underlying carrier terms). Appetite will hinge on underlying carrier quality, attachment points and risk control measures. - Broker notes: - Distribution is through appointed wholesale and retail brokers depending on program; early engagement with production underwriters in the Custom division is recommended on complex or public-entity placements.([greatamericaninsurancegroup.com](https://www.greatamericaninsurancegroup.com/contact/marketing-contacts?utm_source=openai)) COMMERCIAL PACKAGE POLICY (CPP / BOP EQUIVALENT) - Great American offers BOP and related small commercial package products through its Alternative Distribution and API-enabled platforms (e.g., CoverForce), allowing agents to quote, bind and issue BOP, Workers Comp and GL for small and mid-sized businesses in many states. Appetite tends toward main-street risks where GAIG has established rating and loss experience (e.g., retail, offices, professional services, light mercantile) and away from heavy construction, high-hazard manufacturing or complex habitational in CAT zones.([greatamericaninsurancegroup.com](https://www.greatamericaninsurancegroup.com/contact/marketing-contacts?utm_source=openai)) - GREATpolicy is used for certain property-driven package solutions (Builders Risk plus property and inland marine) and is tuned to in‑appetite construction, commercial real estate and contractor equipment exposures with good protection and risk characteristics.([greatamericaninsurancegroup.com](https://www.greatamericaninsurancegroup.com/about-us/division-contacts/property-inland-marine/pim-solutions/features/responding-to-agents-needs?utm_source=openai)) - Submission expectations: - For risks in the GREATpolicy/BOP portals, agents are expected to submit complete, accurate data directly through the platform for real-time appetite and eligibility checks. Out-of-appetite risks or those needing manuscript forms should be referred to an underwriter or to the appropriate specialty division. - Broker/producer instructions: - GAIG strongly encourages use of its digital platforms (GREATpolicy, API-driven partners) for small commercial to ensure appetite is checked up front and to reduce cycle time. Agents seeking new appointments or digital access are directed to marketing and alternative distribution contacts; unappointed agents will need to go through an appointed retailer or wholesaler.([greatamericaninsurancegroup.com](https://www.greatamericaninsurancegroup.com/about-us/division-contacts/property-inland-marine/pim-solutions/features/responding-to-agents-needs?utm_source=openai)) GENERAL BROKER / PRODUCER NOTES - GAIG distributes through appointed retail agents, wholesalers and MGAs; many specialty products (notably non-admitted E&S property) are wholesale-only. Retail producers who are not directly appointed should route submissions through approved wholesalers or program administrators. - The group emphasizes disciplined underwriting and niche expertise; producers should expect class-specific appetites, geographic CAT constraints, and potential declines for high-hazard classes outside published niches. - For appointments and broader producer relationships (especially outside the U.S. or for specialty divisions), GAIG directs brokers to specific underwriting or producer-relations contacts and expects an initial discussion of mutual fit, premium potential and target industries before granting binding authority or large-line access.([greatamericaninsurancegroup.com](https://www.greatamericaninsurancegroup.com/contact/marketing-contacts?utm_source=openai)) Because GAIG is highly segmented by division and product, producers should always confirm line- and division-specific appetite documents for Workers Comp, Umbrella/Excess and CPP beyond these group-level themes, and treat the above as operational guidance rather than an exhaustive class list.