Substandard Carrier

[orangekrush16]

I'm looking for a substandard carrier to funnel some business to that I can not write with my primary carrier. If any of you have any suggestions to ones that some of you have had good experiences with that would be helpful.


Thanks

 

[orangekrush16]

Im in Ohio and was looking at MOO

 

[Melo5457]

What are substandard Carriers?

 

[Markthebroker]

Substandard
Definition
Less than standard. For example, substandard auto insurance is insurance written for drivers with poor driving records. For obvious reasons, substandard insurance premiums are typically higher and coverage terms more restrictive than those for insurance written on standard risks.

 

[Tahoe Ray]

Banner and AIG both rate off of standard plus so can be competitive for substandard cases.

Are you looking for simplified issue (table 4 baked in) or traditional underwriting?

Really, you should just hook up with a brokerage that can help you with these cases so that you're getting the strongest carrier in each situation.