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Property / Casualty

Arch Insurance Group’s Property & Casualty Programs division is a recognized leader in providing a variety of program solutions to the insurance industry. Our unique expertise in Programs, along with our strong financial ratings, may be the solution you need. Here is why we excel in our Property & Casualty Programs.


  • Focus – We provide comprehensive solutions for difficult-to insure classes through Program Administrators
  • Experience – Arch has written nearly $5 billion in program business
  • Creativity – We provide complete solutions for targeted classes
  • Flexibility – We offer unbundled program solutions with top Program Administrators and TPAs
  • Wide Product Portfolio – We offer all standard lines of business on countrywide basis and are comfortable with small accounts (have programs with average account size under $5,000) to large accounts (first dollar >$500,000)


  • Program Administrator Centric – We understand that Arch’s P&C Programs success is driven by Program Administrators and we have systems in place to support our business partners
  • Competition – Arch P&C Programs does not have a retail agency network, which eliminates concern that Program Administrators will need to compete with Arch agents for the same business
  • Uniqueness – Our program-specific product forms and filings provide Program Administrators the ability to offer exclusive solutions to the market
  • Breadth – Our ability to access the broad capabilities of Arch Insurance Group can support program or specific business opportunities for Program Administrators
  • Compensation – Generous profit sharing structures are available to supplement our attractive commission schedules
  • Ratings – Arch maintains solid ratings from key rating agencies
  • Forms – Our products are widely available on an admitted and non-admitted basis
  • Consistent – 2/3 of our book has been with Arch for at least 10 years

NEW PROGRAM? – Here’s what we look for...

  • Top tier Program Administrators
    • Strong leadership
    • Expertise in specific program classes
    • Demonstrated underwriting capabilities
    • Ability to effectively manage distribution sources
    • Experience in writing profitable programs evidenced by long-tenured relationships
    • Profit-focused operation that will align with Arch objectives
    • Operational efficiency
  • Programs with long-term potential
    • Ability for Program Administrator to credibly reach critical mass ($10M+) within 2-3 years through existing relationships with distributors and thoughtful business plan
    • Classes that Arch is uniquely suited to offer exclusive tailored multi-line product solutions
    • Limited competition from standard markets
    • Program Administrator underwriting experience with specific classes
    • Ability to reach ROC target (15%) in first 2 years of the program

Arch Insurance Program submission guidelines include a history of the program and principals, underwriting and pricing guidelines, and quantitative statistical experience. The program submission must meet rigorous underwriting and actuarial benchmarks.


  • Amateur and Professional Sports
  • Bars and Taverns
  • Beauty Shops and Cosmetic Supplies
  • Car Washes
  • Charter and Private Schools
  • Environmental Contractors
  • Equipment Rental Operations
  • Family Entertainment
  • Fire Districts and Emergency Services Operators
  • Fire Suppression Equipment Dealers/Contractors
  • Golf Courses
  • Hazardous Materials Haulers
  • Home Medical Equipment Suppliers
  • Logging Equipment and other Inland Marine
  • Motor Sports and Power Sports
  • Outdoor Recreation Operations
  • Pest Control Companies
  • Precision Manufacturers
  • Security Guards
  • Social Services
  • Staffing Companies
  • We are generally not a market for the following types of programs:
    • Blood stock or animal mortality
    • CAT exposed property and Inland Marine risks
    • Dealers with Large Physical Damage exposure
    • Livery
    • Long-Haul Trucking
    • Long-tail Product Liability
    • Mono-line Workers Compensation
    • Personal Lines
    • Railroad Liability and Rapid Transit Exposures


Insurance coverage is underwritten by a member company of Arch Insurance Group Inc. This is only a brief description of the insurance coverage(s) available under the policy. The policy contains reductions, limitations, exclusions and termination provisions. Full details of the coverage are contained in the policy. If there are any conflicts between this document and the policy, the policy shall govern. Not all coverages are available in all jurisdictions.