Personal Lines

PERSONAL LINES SUPPORT WHEN STANDARD MARKET OPTIONS ARE LIMITED.

OGA helps independent agents find options for personal lines risks that may fall outside standard admitted-market appetite. Our team takes the time to understand each submission, provide practical underwriting guidance, and help you navigate available excess and surplus lines markets.

Tips For Submission From Your Underwriter

Provide a date of birth for the named insured so that our carriers can accurately provide an insurance credit score for the individual. Good credit scores equal better rates!

Please make sure to disclose all prior claims that occurred for any individual in the last 5 years whether it happened at the risk location or another owned location by the named insured.

Provide any details about the insured’s current coverage situation whether they are being non-renewed or getting hit by a renewal premium increase is helpful to know.

Provide target premiums for the account to gauge if we can be competitive or not.

Frequently Asked Questions

Can your policies be mortgagee billed?

Majority of carriers with a few exceptions are Agency Billed accounts only meaning your agency would need to facilitate the payment between the mortgage company and OGA.

Do you have Admitted/Standard Market Carriers?

Yes, but only through US Assure Builder’s Risk program and Openly for Homeowners. The rest of our carriers will be placement through the Non-Admitted/E&S market.

What is your appetite for Personal Lines E&S?

Risks that may be difficult to place through your direct, admitted carriers for reasons that can be due to claims, risk location, non-renewals, insured’s credit, high value homes, and non-primary occupied homes such as vacant or rentals.