DUAL Appetite Guide
DUAL appetite across 19 business classes. Available in all 50 states + dc.
DUAL is a standard/admitted carrier. Online quoting available. Most programs (Cyber, PL, Transactional, Surety, WC) are nationwide. E&S Auto is currently active in CA and TX. E&S Property has significant coastal restrictions and habitational prohibitions in TX, OK, KS, NE, AR, MO, IA, and KY.
Preferred Appetite (4 classes)
preferredHealthcare / Medical
Business Owners Policy (BOP) · General Liability · Commercial Property
preferredHealthcare Offices
Business Owners Policy (BOP) · General Liability · Commercial Property
preferredProfessional Services
Business Owners Policy (BOP) · General Liability · Commercial Property
preferredReal Estate
Business Owners Policy (BOP) · General Liability · Commercial Property
Standard Appetite (11 classes)
standardAccounting Firms
Business Owners Policy (BOP) · General Liability · Commercial Property
standardBeauty Salons & Spas
Business Owners Policy (BOP) · General Liability · Commercial Property
standardCleaning Services
Business Owners Policy (BOP) · General Liability · Commercial Property
standardElectrical Contractors
General Liability · Commercial Property · Workers' Compensation
standardLandscaping & Lawn Care
Business Owners Policy (BOP) · General Liability · Commercial Property
standardLaw Firms
Business Owners Policy (BOP) · General Liability · Commercial Property
standardPlumbing Contractors
General Liability · Commercial Property · Workers' Compensation
standardRestaurants
Business Owners Policy (BOP) · General Liability · Commercial Property
standardRetail Stores
Business Owners Policy (BOP) · General Liability · Commercial Property
standardTechnology Companies
Business Owners Policy (BOP) · General Liability · Commercial Property
standardWholesale Distribution
General Liability · Commercial Property · Workers' Compensation
Limited Appetite (4 classes)
limitedAuto Repair Shops
General Liability · Commercial Property · Workers' Compensation
limitedGeneral Contractors
General Liability · Commercial Property · Workers' Compensation
limitedManufacturing
General Liability · Commercial Property · Workers' Compensation
limitedTrucking
General Liability · Commercial Property · Workers' Compensation
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