How Carrier Availability Works
Carrier availability inside Momentum Rate! is determined by several factors, including:
- Direct carrier appointments
- Momentum Insurance Network access
- State eligibility
- Underwriting requirements
- Line of business availability
- Carrier participation and API connectivity
Because of these factors, one agency may see different carrier options than another.
Supported Lines of Business
Momentum Rate! currently supports quoting across several commercial and personal lines products.
Commercial Lines
Supported commercial lines include:
- General Liability
- Workers Compensation
- Business Owners Policy (BOP)
- Cyber Liability
- Professional Liability
Personal Lines
Supported personal lines include:
- Personal Auto
- Homeowners
- Home + Auto Bundles
Commercial Carrier Availability
Commercial quoting includes access to a variety of carriers depending on line of business and eligibility. Examples include:
- Chubb
- CNA
- Liberty Mutual
- Nationwide
- Travelers
- Hanover
- Coterie
- Guard
- Markel
- Cowbell
- Hiscox
Additional carriers may be available depending on the product being quoted.
Personal Lines Carrier Availability
Personal lines quoting includes access to numerous carriers for Auto and Homeowners products. Examples include:
- AAA
- Allstate
- Auto-Owners
- Branch
- Cincinnati
- CSAA
- GEICO
- Foremost
- Liberty Mutual
- Mercury
- Nationwide
Carrier availability varies by state and product type.
Why Am I Not Seeing a Specific Carrier?
If a carrier does not appear in your quote results, it may be due to:
- No appointment with that carrier
- State restrictions
- Product eligibility
- Underwriting limitations
- Network configuration
- Carrier appetite for the specific risk
Not all carriers participate in every line of business or every state.
Using the Momentum Insurance Network
If your agency does not have direct appointments with certain carriers, you may still be able to access markets through the Momentum Insurance Network.
Network availability varies by carrier and product.
Important Notes
- Carrier availability is subject to change.
- New carriers are added regularly.
- Not every carrier supports every state or class of business.
- Quote availability is determined at the time of submission.
Summary
Momentum Rate! provides access to a broad range of commercial and personal lines carriers through direct appointments, network access, and integrated rating connections.
The carriers available to your agency will depend on:
- Your appointments
- State eligibility
- Product selection
- Carrier underwriting requirements
As Momentum Rate! continues to expand, additional carriers and lines of business will be added to the platform.