Frequently Asked Questions

Gridiron Insurance is a Managing General Underwriter (MGU) specializing in commercial insurance products. We offer Property, Flood, Excess Liability, Inland Marine, and Contractors Equipment coverage across the United States. Our platform enables brokers to quote, bind, and issue policies quickly and efficiently.

Most quotes are generated within minutes through our online platform. For more complex risks, our underwriting team typically responds within 24-48 hours. Our streamlined application process and modern technology allow us to provide indicative quotes significantly faster than traditional markets.

Coverage varies by product line:

• Inland Marine: 49 states (all except Kentucky)
• Excess Liability: 48 states (all except Kentucky and New York)
• Primary Flood: 16 coastal states
• Contractors Equipment: 15 states
• Property: 10 coastal states

Visit our individual product pages for specific state availability and coverage details.

Yes, we work exclusively with licensed insurance brokers and agents. If you’re a business owner seeking coverage, we recommend contacting a licensed broker in your area who can access our products through our platform. Our broker-friendly approach ensures you get expert guidance throughout the insurance process.

We specialize in commercial insurance for various industries including:

• Contractors and trade businesses
• Commercial property owners (retail, office, industrial)
• Healthcare facilities
• Restaurants and hospitality
• Warehouses and distribution centers
• Professional services
• And many more

Each product has specific eligibility requirements. Check our individual product pages for detailed underwriting guidelines.

Minimum premiums vary by product:

• Primary Flood: $750
• Contractors Equipment: $1,250
• Inland Marine: Varies by coverage type
• Excess Liability: Varies by limits and underlying coverage
• Property: Varies by location and occupancy

Contact us for specific pricing on your risk.

We offer both admitted and non-admitted (surplus lines) coverage depending on the product:

• Admitted: Inland Marine
• Non-Admitted: Property, Excess Liability, Contractors Equipment, Primary Flood

Non-admitted policies offer more flexibility and are ideal for hard-to-place risks that standard markets can’t accommodate.

We partner with highly-rated insurance carriers including:

• Hadron Specialty (AM Best A- VIII)
• Lloyd’s of London (AM Best A XV)
• Other A-rated partners

All of our carrier partners maintain strong financial ratings to ensure policy security and claims-paying ability.

Yes! Many of our products offer instant binding capabilities for risks that meet our automated underwriting criteria. For more complex submissions, our underwriting team reviews and responds quickly—typically within hours, not days. Once approved, binding is immediate through our platform.

Yes! Our mobile app is available for both iOS and Android devices. Download it from the App Store or Google Play.

We’re working on integrations with popular agency management systems. Currently, our platform offers robust API access and data export capabilities to help brokers sync information with their existing systems. Contact our team to learn about specific integration options for your agency.

Claims can be filed through multiple channels:

• Online through our platform
• Via our mobile app
• By contacting your assigned underwriter
• Through our claims hotline (available 24/7)

Claims contact information is provided on your policy documents. We aim to acknowledge all claims within 24 hours.

We prioritize fast claims handling:

• Initial acknowledgment within 24 hours
• Adjuster assignment within 48 hours
• Regular updates throughout the claims process
• Fast-track processing for straightforward claims

Our carrier partners maintain dedicated claims teams committed to fair and efficient claim resolution.

Policy changes can be requested through:

• Your assigned underwriter (contact info on your policy)
• Our online platform
• Email: info@gridironins.com
• Phone during business hours

Most endorsements are processed within 24-48 hours of receiving complete information.

Getting appointed with Gridiron is straightforward:

1. Contact our team through our website
2. Complete our broker application
3. Provide your license information and W-9
4. Review and sign our broker agreement
5. Complete platform training (typically 30 minutes)
6. Start quoting!

The entire appointment process usually takes 3-5 business days.

Commission rates vary by product line and are competitive with industry standards. We offer:

• Transparent commission structures
• Timely payments
• Performance incentives for high-volume producers
• Special program opportunities

Contact our team for specific commission details for each product line.