Honeycomb Insurance Company
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
Honeycomb operates as a digital MGA focused on habitational commercial risks, writing package business (property and liability) for landlords and community associations rather than a broad commercial package market. Their appetite is niche and centered on condo/HOA/landlord accounts rather than general main-street commercial. PREFERRED / TARGET RISKS - Occupancy: Habitational only. Target classes include: - Condominium associations (COA), with or without incidental commercial space. - Homeowners associations (HOA) where the association purchases a master property/liability program. - Apartment buildings (with or without minor mercantile components). - Single‑family rental schedules (1–4 units) written on a commercial package basis. - Structure of coverage: Commercial package of Property & General Liability. Typical GL limits $1M/$2M or $2M/$4M (higher GL limit option not available in CA per AC appetite material).([cdnc.heyzine.com](https://cdnc.heyzine.com/files/uploaded/v3/ef80bf044b62a3f0d71c531dadb345d7992b8142-104.pdf?utm_source=openai)) - Account size: Generally small to mid‑market habitational. Published marketing appetite references insured property limits up to about $20M per building and up to approximately $75M total insured value per account (TIV), positioning the program for small–midsize association or landlord portfolios rather than very large towers or mega‑associations.([independentagent.com](https://www.independentagent.com/news/access-habitational-from-honeycomb/?utm_source=openai)) - Risk characteristics: Best fit are standard construction, well‑maintained buildings with adequate life‑safety features, reasonable loss history, and professional or engaged self‑management. Honeycomb publicly emphasizes data‑driven, AI‑assisted underwriting and risk selection for real‑estate risks, so complete, structured data on building age, updates, systems and maintenance is important for a smooth quote.([preqin.com](https://www.preqin.com/data/profile/asset/honeycomb-insurance-services/464360?utm_source=openai)) GEOGRAPHIC NOTES - Distribution: Honeycomb writes on behalf of carrier partners on an admitted and/or surplus basis depending on state and program. Marketing through The AC/Brokers highlights current or prospective state availability including AZ, CA, CT, GA, IL, IN, MA, MD, MI, NC, NJ, OH, PA, TX, UT, VA, WA and WI for the habitational package program. Agents should verify active state status at time of quote as availability is subject to change.([cdnc.heyzine.com](https://cdnc.heyzine.com/files/uploaded/v3/ef80bf044b62a3f0d71c531dadb345d7992b8142-104.pdf?utm_source=openai)) - Focus areas: Program marketing and trade‑association announcements show a strong focus on states with high concentrations of condos and rental stock (e.g., CA, IL, FL‑adjacent markets, Mid‑Atlantic and certain coastal and urban centers). However, active appetite can tighten in catastrophe‑exposed or distressed habitational markets, so check with the program or portal before assuming capacity on older coastal or high‑hazard buildings.([independentagent.com](https://www.independentagent.com/news/access-habitational-from-honeycomb/?utm_source=openai)) RESTRICTED OR DECLINED RISKS (INFERRED / MARKET‑CONSISTENT) Official public material does not list a full declined‑class grid, but based on Honeycomb’s positioning and external appetite summaries, the following are typically restricted or declined: - Non‑habitational or primary commercial occupancies (restaurants, bars, manufacturing, stand‑alone mercantile, warehouses, etc.). Business must be primarily residential habitational; commercial exposure should be incidental to the building (e.g., street‑level retail under apartments/condos) within program tolerances.([cdnc.heyzine.com](https://cdnc.heyzine.com/files/uploaded/v3/ef80bf044b62a3f0d71c531dadb345d7992b8142-104.pdf?utm_source=openai)) - Very large or complex schedules above advertised TIV thresholds (e.g., single buildings materially over $20M TIV or accounts materially over $75M TIV) – expect referral or off‑appetite.([independentagent.com](https://www.independentagent.com/news/access-habitational-from-honeycomb/?utm_source=openai)) - Distressed habitational risks common to the current market: very old buildings with no meaningful updates (roofs, wiring, plumbing, life‑safety), significant deferred maintenance, prior major losses (fire/water), or severe governance and financial issues at the association level (high delinquencies, inadequate reserves, unresolved life‑safety violations). These usually require E&S rather than a standard admitted program like Honeycomb’s.([condoinsure.com](https://condoinsure.com/wp-content/uploads/2024/05/The-New-Realities-of-Community-Association-Insurance-Underwriting_-A-Two-Part-Series-1.pdf?utm_source=openai)) - Out‑of‑appetite liability exposures: pools or amenities without adequate controls, high‑hazard commercial tenants, or unsupported high‑limit GL/umbrella expectations relative to building protections and maintenance. PRODUCT / COVERAGE NOTES - Core package: Commercial Property plus Commercial General Liability for habitational buildings and associations. Terms of service and marketing materials confirm support for Commercial Property, CGL, Umbrella/Excess, Crime & Fidelity, Directors & Officers (D&O), Workers’ Compensation (via partners in some arrangements), and related coverages within a real‑estate package context.([honeycombinsurance.com](https://honeycombinsurance.com/terms?utm_source=openai)) - Enhancements commonly promoted through distribution partners include Ordinance or Law, Water Back‑Up/Sump Overflow, D&O, Hired/Non‑Owned Auto (HNOA), Equipment Breakdown, and Employee Benefits Liability, typically offered as optional endorsements where available.([cdnc.heyzine.com](https://cdnc.heyzine.com/files/uploaded/v3/ef80bf044b62a3f0d71c531dadb345d7992b8142-104.pdf?utm_source=openai)) SUBMISSION & UNDERWRITING EXPECTATIONS - Distribution model: Honeycomb is a digital MGA. Business is submitted either directly through Honeycomb’s web platform or through appointed wholesale/retail agency partners (e.g., The AC/Brokers, Big “I” markets and various regionals). Producers should expect a portal‑driven submission with structured data fields rather than traditional email ACORDs only.([preqin.com](https://www.preqin.com/data/profile/asset/honeycomb-insurance-services/464360?utm_source=openai)) - Required information (typical for a clean submission, inferred from Honeycomb’s educational content and standard community‑association underwriting): - Detailed building schedule with year built, construction type, # of stories, square footage, and occupancy details. - System updates (roof, electrical, plumbing, heat) and life‑safety features (alarms, sprinklers, extinguishers, security, wildfire or CAT mitigation where applicable). - Association financials or at least budget summary indicating reserves, assessment levels, and any special assessments. - 3–5 years loss runs (if prior coverage existed) and narratives on any large claims. - Governance/operations points for associations: % owner‑occupied vs. investor‑owned, management company vs. self‑managed, pending litigation, and any known structural issues. - Submission quality: Because pricing and eligibility are data‑driven, incomplete or inconsistent schedules, missing updates information, or vague loss details can impede or block instant indications. Submissions that clearly fit the published habitational niche (COA/HOA/landlord, within TIV ranges, standard construction, good maintenance) will be prioritized.([honeycombinsurance.com](https://honeycombinsurance.com/insurance-learning-center/?utm_source=openai)) BROKER / PRODUCER INSTRUCTIONS - Access: Honeycomb’s commercial package products are accessed through partner networks and select appointed agencies. Producers seeking access typically must work through a wholesale/program administrator (e.g., The AC/Brokers) or secure a direct digital appointment where available. The AC marketing sheet instructs agents to contact The AC for support, indicating that appointments and production expectations are managed at the program‑administrator level.([cdnc.heyzine.com](https://cdnc.heyzine.com/files/uploaded/v3/ef80bf044b62a3f0d71c531dadb345d7992b8142-104.pdf?utm_source=openai)) - Agent role: External agent‑facing materials emphasize that Honeycomb was “built to serve habitational markets,” so producers are expected to pre‑screen for proper class fit (habitational, within size and state appetite) before submitting. Submissions outside those boundaries are likely to be declined without full underwriting review. - Self‑service / client portal: Honeycomb operates a client portal for insureds and supports digital claims and policy servicing, which reduces routine service work for agents but also means accurate email/online contact information is important at binding.([kwaninsurance.com](https://kwaninsurance.com/carriers/honeycomb-insurance/?utm_source=openai)) OPERATIONAL TAKEAWAYS - Use Honeycomb primarily for: - Condo/HOA master policies. - Small to mid‑size apartment buildings. - One‑to‑four‑family rental portfolios, especially when written as part of a habitational commercial package. - Confirm each risk: - Is in an active Honeycomb state. - Falls within per‑building and per‑account TIV guidelines. - Has acceptable age/condition and life‑safety characteristics. - Provide clean, data‑rich submissions via the appropriate portal, and expect underwriters to lean heavily on objective building and association metrics when deciding appetite and pricing.