For appointed agents · Underwriting
What we write, what we’ll consider, and what to call about first.
Three filed programmes, each with its own appetite: personal auto in North Carolina, the CPP business package in Oklahoma, and workers’ compensation across 24 NCCI states. Check the class and the state here before you spend time on a submission.
Personal · North Carolina
Personal auto appetite.
The only line we write directly with policyholders as well as through agents — but every bindable rate still runs through an appointed agent.
| Risk / driver profile | Appetite | Notes |
|---|---|---|
| Multi-car household, safe driver, continuous prior coverage | Target | Our strongest submission profile. Ask about multi-car and paid-in-full discounts. |
| Single-vehicle policy, established driving history | Target | Verify the reason for any prior-carrier lapse before binding. |
| Driver under 21 as principal operator | Will consider | Refer with a completed driver history report attached. |
| SR-22 or other financial-responsibility filing required | Will consider | Refer to underwriting with the filing order attached. |
| Household with a DUI/DWI within the last 3 years | Will consider | Refer with the incident date and disposition. Do not omit it. |
| Rideshare, delivery, or other commercial passenger use | Outside appetite | Personal auto does not cover commercial use at any rate. |
| Non-owner policies | Outside appetite | Not written on this programme. |
| Modified, lifted, or salvage-title vehicles | Outside appetite | Declined regardless of the driver's history. |
Business · Oklahoma
CPP business package appetite.
158 coverages across property, stock, crime, general liability, commercial auto, earthquake and a 30-coverage Large Commercial Farm section — but the appetite underneath it is narrower than the coverage list suggests.
| Risk type | Appetite | Notes |
|---|---|---|
| Retail stores, offices & personal-service businesses, under 15,000 sq ft | Target | Core CPP profile; property and GL fit cleanly. |
| Restaurants with UL 300 hood suppression and a current fire inspection | Target | Spoilage and business income coverage are strong here. |
| Contractors (carpentry, plumbing, electrical) — no roofing or excavation over 10 ft | Target | Confirm subcontracted work carries its own GL. |
| Row-crop & livestock farms, total insured value under $3M | Target | The Large Commercial Farm section (30 coverages) is built for this profile. |
| Farms over $3M TIV, or custom harvesting/spraying for hire | Will consider | Refer with a schedule of buildings, equipment and livestock counts. |
| Habitational risks over 4 units | Will consider | Refer; habitational is not a core CPP class. |
| Heavy manufacturing, welding/cutting, or pollution-exposed processes | Outside appetite | Outside the property and GL profile this programme is filed for. |
| Builders risk / course-of-construction coverage | Outside appetite | Not a CPP coverage; refer to a builders-risk market. |
Business · 24 states
Workers’ compensation appetite.
NCCI class-based, with pay-as-you-go payroll reporting so premium tracks actual payroll instead of a twelve-month-old estimate.
| Risk profile | Appetite | Notes |
|---|---|---|
| Retail, clerical, light manufacturing & hospitality classes, experience mod under 1.25 | Target | See the class-code lookup below for specific NCCI codes. |
| New ventures with no prior experience rating | Target | Rated at the class's manual rate until the risk earns an experience mod. |
| Experience mod between 1.25 and 1.75 | Will consider | Refer with the current experience rating worksheet and a loss narrative. |
| Temporary staffing or leased-employee arrangements | Will consider | Refer; classification depends on who directs the work day to day. |
| Roofing, logging, or structural steel erection | Outside appetite | Outside the class profile this programme is filed to write. |
| Coal mining, offshore/maritime (USL&H), or aviation ground crew | Outside appetite | Excluded exposures under every state filing we hold. |
| Experience mod over 1.75, or an open catastrophic claim | Outside appetite | Decline; refer to the state-assigned risk pool if coverage is required. |
Workers’ compensation
Class-code lookup.
A starting reference for common NCCI codes, not the full manual. Payroll and exposure basis notes matter as much as the appetite pill — a target class submitted with the wrong basis still bounces back for correction.
| Class code | Description | Appetite | Payroll / exposure note |
|---|---|---|---|
| 5645 | Carpentry – Detached Dwellings | Target | Rated per $100 of payroll. Limited to residential structures three stories or under. |
| 8810 | Clerical Office | Target | Our lowest-hazard class. Keep clerical payroll separate from any shop or field payroll on the same risk. |
| 9079 | Restaurant | Target | Payroll includes tipped staff at their full reported wage, not a tip credit. |
| 0005 | Farm – Nursery | Target | Payroll basis; include piece-rate and casual labor. Pairs with CPP's Large Commercial Farm section. |
| 5183 | Plumbing | Target | Rated per $100 of payroll. New underground utility work over 10 ft depth requires a referral. |
| 8017 | Retail Store | Target | Payroll basis; report any warehouse or delivery-driver payroll under its own code. |
| 3632 | Machine Shop | Will consider | Refer shops running press brakes or punch presses over 60 tons, or any forging operation. |
| 7380 | Drivers | Will consider | Refer for a radius of operation beyond 250 miles or any vehicle over 26,001 lbs GVW. |
Structuring the policy
Limits, deductibles & minimum premium.
| Line | Typical limits | Deductible options | Minimum premium |
|---|---|---|---|
| Personal auto | Liability up to $500,000 CSL; UM/UIM matches the liability limit selected | Comprehensive/collision: $250, $500 or $1,000 | ~$450 per six-month term, varies by coverage selected |
| CPP | General liability $1M each occurrence / $2M aggregate; property to full replacement cost | Property: $1,000, $2,500 or $5,000. Wind/hail: 1%, 2% or 5% of insured value. Aggregate deductible available on multi-location schedules. | $2,500 annual, before farm and auto additions |
| Workers’ compensation | Employers liability $500,000 / $500,000 / $500,000 standard; $1,000,000 available | No standard per-claim deductible programme currently offered | Subject to each state’s NCCI minimum premium table |
Experience rating, schedule rating and any applicable state-specific modifiers apply after these base figures. A quote from the Agency Portal reflects the actual filed rate for the risk submitted.
Before you submit
When to call rather than submit.
- The risk spans more than one of our filed states and you are not sure which policy it belongs on.
- The experience mod, loss history or exposure sits right on a line drawn in the tables above.
- The class code you need is not listed anywhere in this guide.
- A farm, restaurant or contractor risk is larger than anything described here.
- You are weighing CPP against a monoline alternative for the same account and want a second opinion before you quote either.