Underwriting notes and submission guidance
Appetite is program-specific but generally favors group-based or program-style placements where underwriting guidelines, membership/enrollment controls, and loss control protocols can be applied. Typical items underwriters will request include:
- Program summary and business model (enrollment, premium flow, eligibility rules)
- Recent loss information or loss runs where available
- Copies of any membership or contractual agreements tied to the program
- Fee schedules, aggregation thresholds, and reinsurance structures if already in place
Minimum premiums and attachment points vary by product and carrier; specific thresholds are established on a program-by-program basis.
Territories and admitted status
This program is available in the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Citadel currently positions these program solutions through non-admitted / surplus lines placements where appropriate and permitted; admitted options may be available with specific carriers on a case-by-case basis.
What types of accounts are a good fit for Citadel’s program development services?
The best fits are group- or program-style opportunities: associations, affinity groups, book-aggregation arrangements, risk purchasing groups, and other situations where unified underwriting rules, membership controls, or pooled premium flow make a program more marketable.
Is this offered on an admitted basis?
Citadel generally positions these solutions through non-admitted / surplus lines placements. Admitted options may be possible with specific carriers on a program-by-program basis; discuss the target state and product to determine availability.
What do carriers typically require on submissions?
Underwriters will expect a clear program summary, eligibility and enrollment procedures, loss history if available, and any existing reinsurance or aggregation terms. The more detail you provide about controls and premium flow, the quicker carriers can assess capacity and terms.
Which states do you support?
The program is available in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. State-specific placement rules apply.