Underwriting Services


Lackawanna Insurance Group takes pride in its underwriting process. Your Agency is assigned a team of three underwriting professionals in an effort to provide a level of responsiveness that is unparalleled in the industry. Each underwriter will evaluate your new and renewal business according to the premium size of the risk:Underwriting Services


  • Small Business Unit (Premiums < $13,000)
  • Middle Market (Premiums > $13,000 and < $90,000)
  • Large Account (Premiums > $90,000)


Each account, regardless of size, is individually underwritten and competitively priced in one of our three licensed Companies:


  • Lackawanna Casualty Company (1.08 LCM)
  • Lackawanna American Company (1.44 LCM)
  • Lackawanna National Insurance Company (1.92 LCM)

Targeted Classes of Business:

  • Manufacturing
  • Health Care
  • Auto Dealers
  • Restaurants
  • Retail Operations
  • Wholesale Operations
  • Hospitality
  • Artisan Contractors
  • Colleges / Universities
  • Trucking

Core Business Characteristics:

  • Minimum Premiums of $1,000.00
  • Low to moderate hazard classes of business
  • Identifiable and controllable exposures
  • Minimum catastrophic exposure
  • Management commitment to workplace safety
  • Favorable prior loss history
  • Favorable financial rating