How the appetite checker works. and what to expect once you send the file.
A guided lookup for what we will and will not write today. Pick a class (or search by industry, plain English, or NAICS code), pick a state, and we tell you up front. Yes, Edge, or No. With the lines we would quote, the limits, the subjectivities, and the state-specific nuance. No login. No carrier names. Built for retail agents trying to place a real risk in the next hour.
Because risk varies by state. Cat exposure, statute (NY Labor Law 240/241, California MICRA, Florida wind, Texas TABC), licensing, and precedent all reshape what we will bind. Where a state changes our answer, we say so with a real note, not a vague disclaimer.
Eleven E&S lines across Property & Casualty (Commercial Property, General & Excess Liability, Inland Marine, Commercial Auto), Professional (Cyber & Tech E&O, Misc E&O, Medical Malpractice), Management (D&O, EPL, Crime, Fiduciary), and Specialty (Environmental, Product Liability, Employment Practices). The class pages list the exact lines that apply to each class with our standard limits.
We write across all 50 states and DC through our specialty market panel. For classes that have state-specific nuance, the class page has a dedicated state page. For the rest, our base appetite applies.
A real underwriter reads it. First response inside one business hour. You will get one of three answers: a quote, the specific subjectivities we need to quote, or a clear decline with a redirect to a market that can write it. No autoresponders, no lead-passing.
Open the Get appointed page and complete the application. Most retail agencies are approved within one business day. You do not need to be appointed to submit a risk for a one-off quote, but binding requires an active appointment.