Mendota 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
No current, carrier-published underwriting or appetite guide for Mendota Insurance Company’s nonstandard auto book was located via public web search. Public materials and third-party descriptions consistently show Mendota as a nonstandard personal auto carrier focused on higher‑risk private passenger business, but they do not provide formal, citable class-by-class underwriting rules. Preferred / target business (inferred from positioning, not from a formal guide): - Private passenger auto risks that do not qualify for standard markets (e.g., drivers with violations, accidents, lapses in coverage, or credit/other underwriting issues), in states where Mendota is actively writing. - Business written and serviced through appointed independent agents using Mendota’s agent/producer portal. Restricted or declined classes (not explicitly published): - No official public list of prohibited or restricted vehicle types, drivers, or usage classes could be found. Assume typical nonstandard auto carrier sensitivities: serious violations (e.g., DUIs), extensive loss history, unauthorized commercial use, or unacceptable vehicle types will be underwritten or declined according to internal rules that are not publicly posted. Geographic notes: - Mendota markets itself as a nonstandard auto carrier operating through independent agents and indicates it writes in a limited number of states (currently about 10), though it is licensed more broadly. Specific active/eligible states, county restrictions, and territorial surcharges are not published in a public appetite guide and must be verified in the agent portal or with underwriting. Submission / appointment requirements: - Writing agents must be appointed with Mendota. An "Individual Agent Information" form is used to collect license information and other details for agents involved in solicitation, negotiation, or sale on Mendota’s behalf; this is part of the appointment/producer setup process rather than risk‑level underwriting instructions. - New business, endorsements, and service are handled via the Mendota Agent web portal; agents are expected to use the portal for rating, issuing, and servicing policies and to follow internal underwriting screens, questions, and eligibility logic embedded in the system. Broker / producer instructions: - Public instructions for producers are limited to appointment and portal-access information; no detailed public-facing underwriting manual, appetite guide, or risk‑by‑risk instructions were identified. Agents must rely on: - Mendota’s agent portal for state/program availability, eligibility questions, and required documentation. - Direct contact with underwriting or marketing representatives for clarification on appetite, exceptions, and state‑specific rules. Operational takeaway for producers: - Treat Mendota as a nonstandard personal auto market accessed exclusively through appointment and its agent portal. Use the portal and your marketing/underwriting contacts for the actual appetite (eligible driver profiles, vehicle types, and usage), state availability, and any restricted or declined categories, as this information is not maintained in a public appetite or underwriting guide. - If you do not currently have a Mendota appointment, complete the agent information/appointment process first; do not rely on third‑party sites for underwriting rules, as they may be incomplete or outdated.