Mid-Continent Group
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
Mid-Continent Group (MCG), a member of Great American Insurance Group, focuses on specialty commercial insurance for small to mid-sized, difficult-to-place or unique risks. Core lines are inland marine, commercial auto, umbrella/excess and general liability (primarily on a non‑admitted basis), along with specialty pollution and cyber endorsements. Preferred / Target Business - Industry focus on homebuilders, energy-related risks (including oil & gas), underground storage tank owners, and contractors’/mobile equipment accounts. - Small to mid-sized commercial accounts needing monoline or package solutions in GL, auto, umbrella and inland marine, especially when risk characteristics fall outside standard-admitted appetites. - Difficult or unique exposures where customized coverage terms, manuscript endorsements, and surplus-lines placement may be required. Restricted / Declined (inferred from specialty focus) - Commodity, highly standard main-street risks are generally not the target; these are more appropriately placed in standard markets. - Appetite is oriented toward tougher, underserved industries; accounts without a clear specialty, or very small minimum-premium tolerance, may not be prioritized. - As much of the GL is offered on a non‑admitted basis, risks that cannot be written E&S in a given state (due to regulatory or diligent‑effort requirements) may be restricted. Geographic Notes - MCG companies (Mid‑Continent Casualty, Mid‑Continent Assurance, Oklahoma Surety, Mid‑Continent Excess and Surplus Insurance) operate as part of Great American’s P&C group, writing specialty commercial business on both admitted and non‑admitted paper. Appetite is national but subject to state-specific surplus lines and admitted filings. Submission & Placement Expectations (operational) - Business is placed through independent agents and brokers; agents must be appointed or otherwise approved through Mid‑Continent/Great American distribution. - General liability for many targeted industries is written on a non‑admitted basis either directly with the company or through its internal agency, so producers should expect surplus‑lines compliance steps (diligent‑effort documentation, use of licensed surplus‑lines brokers where required). - Use MCG’s agent portal for quoting, account management and billing, and follow Great American/Mid‑Continent underwriting workflows for specialty commercial submissions (complete ACORDs plus detailed supplemental applications for homebuilders, energy/O&G, tanks, contractors’ equipment, and pollution exposures, as applicable). Broker / Producer Notes - Distribution is independent‑agent focused with an emphasis on long‑term relationships and mutual profitability; underwriters are positioned to work closely with agents to tailor coverage for complex risks. - Producers should position MCG for accounts where standard markets have declined or significantly restricted terms, particularly in the targeted industries listed above, and should be prepared to provide detailed risk information to support disciplined underwriting. - Public website content is explicitly general and does not list all terms, conditions, limits or exclusions; agents should rely on current filed/surplus-lines forms and internal underwriting guides for final acceptability and pricing.