InterGuard
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
InterGuard Insurance Solutions appears to operate as an independent/virtual retail agency and broker representing many carriers, not as an underwriting carrier itself. Public-facing information emphasizes that they place personal and commercial business with "over 300 carriers" and provide coverage for home, auto, life, and business insurance, but does not describe InterGuard-branded workers compensation or homeowners policy forms, rating plans, or risk selection rules. The available material is therefore marketing/agency-focused rather than an underwriting appetite guide. Because InterGuard functions as a broker/agent, there is no consolidated, carrier-level appetite or underwriting manual to refresh for Workers Comp or Home under the InterGuard name. Instead, appetite, preferred classes, and restrictions will vary by the underlying insurers InterGuard accesses. No producer/broker portal or submission-guideline page with class-by-class target, restricted, or declined categories is published on the site. Preferred business / target risks: Not specified at a carrier-underwriting level. InterGuard markets broad capabilities for standard personal lines (homeowners, auto and related coverages) and general business insurance, indicating they can shop multiple markets for typical main-street personal and small-business accounts, but appetite is determined by the specific carrier selected. Restricted or declined classes: No public list of prohibited or restricted classes, and no workers compensation or homeowners-specific underwriting matrices are posted. Any restrictions must be obtained from the quoting carrier’s own underwriting guides during placement. Geographic notes: InterGuard identifies as a Florida-based virtual agency and indicates it serves clients "throughout the United States," while separate directory listings highlight strong presence/service in Georgia. No explicit state-by-state underwriting appetite by line is provided. Submission requirements: The InterGuard site provides only general contact channels (phone and email) and a generic call to "contact us" to discuss coverage. There is no ACORD- or appetite-specific instruction, no minimum premium guidance, and no online producer workflow describing required underwriting data beyond what each individual carrier requires. Broker/producer instructions: InterGuard is itself the retail/producing entity; there is no outward-facing "for agents & brokers" section describing how third-party producers should submit business. As such, there are no carrier-style producer rules, loss-control requirements, or binding authority notes published under the InterGuard brand. Operationally, treat InterGuard as a retail agency/aggregator. For Workers Comp and Home placements through InterGuard, rely on the underlying insurer’s current underwriting manuals and appetite guides, not an InterGuard-branded guideline. No official InterGuard carrier underwriting or appetite document could be verified at this time.