Underwriting Guidelines
Underwriting Guidelines
- 3-year combined loss ratio of 50% or less
- Experience MOD greater than 1.25 may be subject to additional underwriting requirements
- Must be in business for 3 years
- Hazard Group IV employees are not eligible for coverage
- Policies cancelled by FHMIC will not be reconsidered for coverage
Targeted Classes
- Hotels / Resorts
- Restaurants & Caterers
- Country Clubs
- Auto Dealerships
- Hospitality Related
- Light Manufacturing
- Property Management
- Wholesale / Retail Operations
- Landscape / Nursery Operations
- Churches & Private Schools
- Business Associations
- Artisan Contractors – Electrical, Mechanical, HVAC and Plumbers
- Condo Associations (0 employees)
