Jackson Sumner & Associates, Inc
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
Jackson Sumner & Associates (JSA) is an E&S/MGA wholesaler focused on placing nonstandard and specialty risks for approved retail agencies. Their role is to find markets for classes and situations that standard carriers will not write or cannot accommodate. ([jsausa.com](https://www.jsausa.com/?utm_source=openai)) Preferred / Target Business: - Commercial property & casualty risks that are nonstandard, distressed, or outside admitted carrier guidelines, including many Main Street and middle‑market classes that require E&S solutions. The Commercial Property & Liability segment highlights general commercial risks such as grocery and retail, health‑care facilities, and other occupancies needing flexible terms or manuscripted coverage. ([jsausa.com](https://www.jsausa.com/site/about-us/what-we-do/commercial-property-liability/?utm_source=openai)) - Personal scheduled property/collections written on a specialty basis, often where high values, unique items, or loss history do not fit standard personal lines markets. ([jsausa.com](https://www.jsausa.com/site/online-quotes/personal-schedules-collections/?utm_source=openai)) - General E&S placements for agents whose standard markets have declined the risk (“Their ‘No’ is Our ‘Yes’”), leveraging JSA’s binding and brokerage authority with multiple surplus lines carriers. ([jsausa.com](https://www.jsausa.com/?utm_source=openai)) Restricted / Declined Business: - JSA does not publish a consolidated public negative‑risk list; restrictions are primarily carrier‑ and program‑specific. Retail agents are expected to contact an underwriter when a class is unusual, heavily loss‑driven, or clearly outside normal surplus‑lines appetite; many appetite documents referenced on the site route agents back to underwriters for borderline classes. As a wholesaler, JSA commonly avoids flat cancellations and must follow surplus‑lines rules, minimum premiums, and carrier‑specific exclusions; producer agreements and program materials reinforce that coverage cannot be bound or altered without explicit underwriter authority. ([jsausa.com](https://www.jsausa.com/wp-content/uploads/2019/02/JSA-PRODUCER-AGREEMENT-1-19.pdf?utm_source=openai)) Geographic Notes: - JSA is a North Carolina‑domiciled MGA/wholesaler headquartered in Boone, NC, and writes business for properly licensed retail agents in its appointed states. All programs on the website are available only to appropriately licensed retail insurance offices approved by JSA. Agents must hold correct resident/nonresident licenses for any state where they place business and must comply with that state’s surplus‑lines and tax rules. ([jsausa.com](https://www.jsausa.com/?utm_source=openai)) Submission & Producer Requirements: - To write with JSA, a retail agency must: - Complete and sign the JSA Producer Agreement. - Complete and sign the Agency Information Form. - Carry E&O (professional liability) with at least $1,000,000 limits and provide the E&O declarations page. - Be properly licensed in the states where it places business. - Submit these items to JSA Agency Relations (currently via the contact listed on the “Ask JSA: How Do I Write With You?” guidance). ([jsausa.com](https://www.jsausa.com/site/ask-jsa-how-do-i-write-with-you/?utm_source=openai)) - Programs are only available to approved retail offices; JSA does not deal directly with insureds. Agents are encouraged to call JSA underwriters when they are unsure how to place a risk; phone‑based underwriting triage and assistance is a key part of JSA’s model. ([jsausa.com](https://www.jsausa.com/?utm_source=openai)) - Standard operational expectations from the Producer Agreement include: submitting complete and accurate applications; remitting premiums, taxes, and fees per JSA instructions; honoring minimum earned premiums and non‑refundable fees where applicable; and not binding, endorsing, or cancelling coverage without explicit JSA/company authority. ([jsausa.com](https://www.jsausa.com/wp-content/uploads/2019/02/JSA-PRODUCER-AGREEMENT-1-19.pdf?utm_source=openai)) Broker / Producer Notes: - JSA operates strictly through retail agents (no direct‑to‑consumer placements). Agents use JSA as their access point to E&S markets and must rely on JSA underwriting for quotation, binding, and policy issuance. - Turnaround is a stated service focus; the site emphasizes quick quote and policy‑issuance service (often within 24 hours for qualifying business) and encourages agents to call when they “don’t know what to do with” a risk. ([jsausa.com](https://www.jsausa.com/?utm_source=openai)) - All appetite details for specific products (e.g., particular classes, limits, or forms) are handled at the program or carrier level and may change; agents should use JSA’s online program pages and direct underwriter contact for the latest class‑specific do‑not‑write and restricted lists. Operationally, treat JSA as a broad‑based E&S and program wholesaler: send nonstandard commercial P&C and specialty personal risks, ensure your agency is contracted (Producer Agreement, E&O, licensing), and route all binding and coverage changes through JSA underwriters, not directly with carriers.