Monomoy Insurance 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
No official underwriting, appetite, or producer submission guidance for Monomoy Insurance Group could be located on any verified carrier, MGA, or program‑administrator website. Available public references indicate: - Monomoy Insurance Group is/was a homeowners program created with Rogers & Gray Insurance as a competitive alternative to the Massachusetts Fair Plan for residential homeowners in coastal or severe‑storm‑exposed areas of Massachusetts, written on Spinnaker Insurance Company paper. Coverage is/was targeted to risks other carriers avoid because of wind/storm exposure, with rates comparable to the Mass Fair Plan and enhanced coverage options. ([insurancejournal.com](https://www.insurancejournal.com/news/east/2018/05/30/490536.htm?utm_source=openai)) - Distribution appears to be exclusive to Rogers & Gray (now typically branded as RogersGray), rather than an open‑broker appointment market. Third‑party carrier lists show "RogerGray (Monomoy)" as a personal‑lines home market accessible via IVANS download, reinforcing that access is controlled through that agency relationship, not broad producer appointment. ([insurancejournal.com](https://www.insurancejournal.com/news/east/2018/05/30/490536.htm?utm_source=openai)) Because there is no official Monomoy Insurance Group website or public-facing underwriting guide, detailed operational rules (precise eligibility, construction year and distance‑to‑coast criteria, wind/roof requirements, minimum premium, protection class limits, prior loss guidelines, and formal submission/checklist instructions) are not published for external brokers. Operational takeaways for a wholesaler or non‑RogersGray retailer today: - Preferred business: Massachusetts residential homeowners, likely including coastal or wind‑exposed properties that might otherwise default to Mass Fair Plan, serviced through RogersGray. Expect focus on primary and secondary homes rather than commercial; program was launched as an admitted homeowners product. ([insurancejournal.com](https://www.insurancejournal.com/news/east/2018/05/30/490536.htm?utm_source=openai)) - Restricted/declined: No explicit public list. Given the program’s positioning as a Fair Plan alternative, expect that extremely distressed properties (very poor condition, severe prior losses, vacant or unoccupied long‑term, non‑residential or mixed heavy‑commercial occupancies) may still be declined or forced to the residual market; however these rules are not stated in any public document and must be confirmed directly with RogersGray. - Geography: Indications point to Massachusetts only, with particular focus on Cape Cod and other coastal areas where Fair Plan usage is common. There is no evidence of expansion outside MA. - Submission/producer expectations: All placement, rating, and underwriting interaction appears to go through RogersGray, not directly to Monomoy or Spinnaker. External producers looking to access this market would need to work through RogersGray or confirm whether they offer sub‑producer or wholesale arrangements. No separate producer appointment or upload portal for Monomoy is published. Given the lack of an official underwriting or appetite page, treat all specific eligibility assumptions as unconfirmed and verify case‑by‑case directly with RogersGray’s personal‑lines placement team before marketing or binding under the Monomoy program.