Houston General 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
Houston General Insurance appears to be a legacy/defunct name rather than an actively marketing property & casualty carrier with current producer/underwriting guidance. Key findings: - Texas-related entities under the Houston General name have been in receivership and liquidation. The Texas Department of Insurance (TDI) reports that **Houston General Insurance Exchange** was found insolvent and placed into liquidation on August 11, 2020; all in‑force policies were ordered cancelled no later than September 10, 2020, and the receivership estate was closed on December 5, 2023. ([tpciga.org](https://www.tpciga.org/houstongeneral.html?utm_source=openai)) - Historical references show **Houston General Insurance Company** as an older P&C and surety carrier (including past acquisition by W. R. Berkley in the 1970s and listings in older state and Federal Register documents), but there is no current, active retail or wholesale distribution site with producer or appetite guides. ([berkley.com](https://www.berkley.com/about-us/at-a-glance?utm_source=openai)) - No official carrier website, underwriting guide, producer manual, or appetite/risk selection page could be located for a currently operating carrier under the exact name "Houston General Insurance" or "Houston General Insurance Company" in the U.S. Operational guidance for brokers/producers: - Treat Houston General Insurance Exchange and similarly named Houston General entities as **non‑market/defunct** for new or renewal placements. They should not be used as a viable market for any new submissions or policy rewrites. - For any **in‑force legacy policies** that may still appear on schedules or in client files, assume they are subject to liquidation/guaranty association handling and **not renewable**. Refer claimants and insureds in Texas to the Texas Property and Casualty Insurance Guaranty Association (TPCIGA) / TDI receivership resources for claim and liquidation questions, not to a carrier underwriting team. ([tpciga.org](https://www.tpciga.org/houstongeneral.html?utm_source=openai)) - There are **no current preferred, restricted, or declined risk class guidelines** or geographic appetites published; any such historical rules are now moot for placement purposes. - There are **no current submission requirements** or special producer instructions published; producers should instead locate an alternative active carrier and follow that carrier’s underwriting and submission rules. Conclusion: Houston General Insurance is not an active underwriting market with accessible, up‑to‑date risk appetite or producer guidance. Use alternative carriers for all new/renewal business, and treat any remaining issues as runoff/liquidation or guaranty‑association matters rather than standard underwriting.