Coming Soon: 2018 Underwriting/Marketing Appetite Guide

As we transition to Statewide Underwriting Services, we’re updating our Appetite Guide to highlight the various underwriting strengths we – Mid-Hudson Co-Operative, Claverack Cooperative, and Midrox Insurance Co. – can offer our agents. Some of our offerings may surprise you! More information to follow.


MHC has been successful in underwriting for a wide scope of personal and commercial lines. Below is a preview of what you can expect to see in our Appetite Guide:


  • Homeowners ($150K-$1.2M coverage A; older homes with updates within 25 years, including PC-9; no credit scoring)
  • Seasonal & Secondary Homes (with or without primary home)
  • Dwelling Fire
  • Landlord Package Policies (1-4 families; can be written in corporate name, LLC, trust, or personal name)


  • Mixed Mercantile & Apartments
  • Apartments
  • Strip Malls
  • LRO (Larger commercial or apartments up to $10M-$12M building value for any one building)
  • BOP & SMP Classes of Business
  • Retail
  • Wholesale
  • Service
  • Professional
  • Small Contractors (Up to $500,000 sales/3 employees, NO GC’s; specific guidelines apply by class of business; refer to your UW)
Posted on: Monday, November 12th, 2018 «back