IMT Insurance Group (Wadena 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
No publicly available, carrier-authored underwriting or appetite guide specific to IMT Insurance Group / Wadena Insurance could be located on the open web. IMT confirms recent revisions to underwriting guidelines and implementation of new‑business moratoriums due to market and weather pressures, but details of these rules are restricted to contracted agents via internal/portal resources. Preferred business / target profile (inferred from public materials) - Regional P&C carrier focused on personal and small-to-midsize commercial risks in the Midwest. IMT notes a renewed commitment to personal lines and continued service to Iowa policyholders, with broader operations across several Midwestern states. - Business is distributed exclusively through independent agents; agents are the point of access for quotes and underwriting decisions. - Commercial offerings include commercial auto, EPLI, and other standard commercial coverages suitable for typical Main Street risks rather than highly specialized national accounts. Restricted / declined business (publicly indicated only) - IMT publicly states that they have implemented new‑business moratoriums and revised underwriting guidelines in response to industry disruption. They also reference changes to roof settlement terms (e.g., actual cash value for roofs older than five years) as part of property‑related profitability measures. Specific prohibited classes, minimum requirements, or detailed restrictions, however, are not published. - For higher EPLI limits, IMT requires an underwriting questionnaire and referral, indicating stricter underwriting for larger or higher‑hazard EPLI exposures. Geographic notes - IMT describes itself as a Midwest regional mutual providing personal and commercial insurance through IMT Insurance Company and Wadena Insurance Company. Public information and regulatory reports show authority across multiple Midwestern states; however, only a subset of these states may be actively targeted for new business today, and moratoriums may apply in certain territories. - An IMT blog post emphasizes a continued commitment to writing personal lines in Iowa specifically, while acknowledging moratoriums and tightened guidelines more broadly. Submission / underwriting process (as can be seen publicly) - All business is placed via independent IMT agents. The public site refers agents and insureds to local IMT independent agents for quotes on commercial auto, EPLI, and other coverages; specific submission checklists (applications, loss runs, COPE data, etc.) are not disclosed on public pages. - For EPLI, higher limit options (e.g., $500,000 and $1,000,000) are available only on referral with completion of an underwriting questionnaire, suggesting that agents must obtain and submit carrier‑specific EPLI underwriting information for those limits. - IMT explicitly notes that eligibility for any product is subject to underwriting qualifications and acceptance by IMT underwriting departments, and that product terms and availability vary by state. Broker / producer instructions (publicly visible themes) - IMT consistently positions itself as a relationship‑driven mutual carrier working with a network of independent agencies. They stress that agents should contact IMT directly regarding product availability, moratoriums, and current underwriting requirements. - The company indicates that they periodically change products, services, and programs without public notice; agents are expected to rely on internal IMT communications, portals, and manuals for up‑to‑date underwriting guidance. Operational notes for agents using this summary - Treat this as a high‑level orientation only. IMT/Wadena underwriting appetite, specific class‑by‑class guidance, and state‑ or county‑level moratoriums are not published and must be confirmed through the IMT agent portal or with your IMT underwriter/marketing rep. - For Commercial Property and Home, assume tightened property guidelines, possible roof‑age and valuation restrictions, and potential geographic moratoriums or capacity caps in cat‑exposed counties until confirmed otherwise. - For Boat/Watercraft and other personal lines, product availability and terms may vary by state; use current IMT rating tools and bulletins to confirm. - For EPLI and other specialty commercial coverages, expect additional questionnaires and underwriting referral at higher limits or for higher‑hazard classes. - Always confirm current moratoriums, appetite and eligibility, and any special documentation requirements directly with IMT, as public‑facing materials do not provide the necessary operational detail for binding decisions.