Program Administrators - Arrowhead General Insurance Agency Inc.

Arrowhead General Insurance Agency Inc.

Programs & Coverages: Automotive Aftermarket , Railroad Insurance Program, Residential Earthquake, Auto Parts Recyclers, Arrowhead's Tribal Program, Forestry & Logging, Manufactured Housing Community and RV Park Program, Worker's Compensation, Commercial Transportation - Bellingham, Lloyd's Auto Physical Damage and Cargo - Bellingham

M701 B Street | Suite 2100 | San Diego, CA 92101

P800.669.1889 x8733

Request a Quote/Information

Company Description

ARROWHEAD General Insurance Agency, Inc. is a national insurance program manager and we have teamed up with the country's top rated insurance carriers to proudly offer quality insurance products to our nationwide network of independent producers.

ARROWHEAD and our family of employees invite insurance companies and agencies from coast to coast to GROW with us.

  • Established in 1983
  • Wholly-owned TPA claims services with American Claims Management, Inc.
  • 700 employees
  • $800 million written premium
  • 20 commercial and personal insurance products
  • 23 financially strong carriers


  • 14 marketing reps
  • 3,200 agencies with 6,000 locations nationwide
    • Insurance companies
    • Lender-affiliated agencies
    • Large national brokers
    • Wholesalers
    • Online aggregators
    • Agency networks
    • Local independent agents


  • 1.4 million transactions a year
  • 8,000 online endorsements and binds 14,000 policies monthly
  • 95% of all personal lines transactions are through
  • Easy and secure to submit business online
  • Servicing existing policies is a snap
  • Manage agency files with online tools and reports
  • Policyholders can make payments quickly online


Programs & Coverages

Automotive Aftermarket

Auto Services Commercial Package, formerly by Universal Underwriters. Submit up to $125k total account premium, most states (instant online quotes to $50k). Mechanical/collision repair, retail tire & stereo stores, more.

Express Package provides specialized commercial insurance coverage with decades of industry experience. Offer your clients a commercial package with an Admitted A+ (XV) rated carrier by A.M. Best Company. Submit accounts in any size in total account premium and receive instant online quotes on qualified accounts below $50,000.Available in all states except FL, LA and TX.

Click to learn more.

Target Classes of Business

  • Auto Body/Collision and Repair Shops
  • Auto Glass Repair/Installation Shops
  • Auto Quick Lube Shops (oil and lube)
  • Brake Shops
  • General/Mechanical Repair
  • Muffler Shops
  • Retail Auto Parts and Accessories Stores (new parts only)
  • Retail Tire Stores

Note: Our program for towing and other classes not mentioned requires production commitment and contract. Please click here for product information.


Coverage Highlights

  • Business Auto Liability and Physical Damage
  • Crime – employee dishonesty, forgery or alteration, money and securities
  • Equipment Breakdown Coverage
  • Garage keepers – direct or legal liability basis
  • General liability and employee benefits liability
  • Property coverage extensions
  • Umbrella Liability – excess and umbrella

Not an Arrowhead producer? Apply online at

800.669.1889 x8733


Railroad Insurance Program


Introduced in 1997, this program provides comprehensive coverage for contractors, manufacturers, and wholesalers in railroad service and support industries. Click to learn more.


Available in 47 states (excludes AK, HI, LA)


• General Liability (required), Commercial Auto, Property, Inland Marine, Umbrella, Railroad Protective Liability


• Admitted Market, A+ XV
• Automatic protection for work within 50 feet of the track
• Commercial Auto coverage – including coverage for Hi Rail units
• Per-project aggregate available
• Excellent loss control and claims services
• Flexible Direct Bill payment options


• Track construction, maintenance & repair
• Tie removal and disposal
• Spur line upgrades
• Freight forwarding loading/unloading
• Railcar cleaning, maintenance & repair
• Railcar and part manufacturing
• Distributors of railroad related parts, supplies, & equipment.


Toll-free phone: 800.289.4319


ACORD Applications, Supplemental Application (available on website), and currently valued loss runs to

Matt Hetrick


Residential Earthquake

Arrowhead's Residential Earthquake insurance program is designed to provide better earthquake insurance options for California home and condominium owners. Providing earthquake products since 2000, Arrowhead has a reputation for being an innovator in the residential earthquake insurance marketplace. Arrowhead has developed EQ products which provide some of the broadest coverages available with the lowest deductible options, while maintaining competitive pricing. Often imitated, never duplicated, Arrowhead commits to maintain a position at the leading edge of earthquake insurance.

Click to learn more.

Target Markets:

Product offerings target a wide range of risks from newer or retrofitted structures built on flat ground to older non-retrofitted structures on steep slopes. Arrowhead has an EQ product to accommodate almost any residential EQ risk.


Palomar Specialty, QBE, Universal North America, Zurich







Steve Goebel


Auto Parts Recyclers

Auto Parts Recycling
Auto recyclers commercial package includes property, commercial auto, general liability, crime, inland marine, umbrella. “A” rated carrier (formerly Universal Underwriters). Easy submissions. Competitive rates. Industry experts. U-pull operations accepted*.
The ideal automotive recycler dismantles autos and sells used auto parts to automotive repair shops and general consumers. Arrowhead will also cover U-pull operations, if proper controls are in place to mitigate losses from on-site customers.

Click to learn more.



  • Building Coverage
  • Business Interruption/Extra Expense
  • Business Personal Property (BPP) – Inside stock and equipment
  • Stock in the Open
  • Equipment Breakdown Protection
  • Property Basket Plus Endorsement (Demolition expenses, additional coverage for increased construction costs, pollutant clean-up and removal, select crime coverages)

General Liability

  • Third-Party Product Recall Liability
  • Employee Benefits Liability
  • Injury occurring from a product sold or service provided
  • Coverage for vacant land and leased properties


  • Employee Dishonesty
  • Forgery or Alteration
  • Theft (in and out)

Commercial Auto

  • Liability and Physical Damage
  • Garagekeepers liability (direct or legal liability basis)

Inland Marine

  • Mobile Equipment and Cargo Liability Commercial Umbrella
  • Liability limits up to $5M

Max limit: ??? No premium limit
Carriers: Zurich and Great American
Admitted: Yes

Phone: 800-669-1889 x8733

All states except LA & HI

Deb Winterowd

Arrowhead's Tribal Program

Arrowhead’s Tribal Program was created in 1987 as the Program for Sovereign Indian Nations, with the assistance of Native American attorneys and tribal administrators.

  • We work with a select group of agents and brokers nationwide who specialize in placing tribal coverage
  • We only work with top rated insurance companies with “A” ratings or higher
  • We provide meaningful risk management to help mitigate your tribe’s risks
  • Arrowhead’s in-house claims team understands tribal law, tribal courts systems, FTCA protection and tribal sovereignty claim issues

Click to learn more.


We understand the exposures and special circumstances associated with tribal governments, gaming operations and tribal enterprises. Our objective is to help you reduce your losses through technical knowledge, experience and personal service.

  • Training and education
  • Security and public safety
  • Employment practices
  • Fleet and driver management
  • OSHA and other compliance issues
  • Risk management program development
  • Maintenance programs
  • Life safety code requirements
  • Building valuations


  • Comprehensive Property Coverage
  • General, liquor and professional liability (Police Professional, Health Care Professional, Tribal Officials E&O, Employment Practices Liability, Cyber Liability and Fiduciary Liability)
  • Tribal workers’ benefits (including Guaranteed Cost and Loss-Sensitive options)
  • Auto physical damage and liability (specifically tailored to address unique tribal nation automobile exposures)
  • Excess Liability (offering limits for all primary policy coverage extensions including Sexual Misconduct, Errors & Omissions and Employment Practices Liability)
  • Unmanned Aircraft Liability and Property Damage
  • Traumatic Event Expense Coverage
  • All Lines Aggregate / Self-Insured Retention
  • Active Shooter / Deadly Weapons Protection


All states

Learn more at

Brett Barnsley


Forestry & Logging

Inland Marine, General Liability and Commercial Auto coverage for your logging and wood products clients

Inland Marine Program Highlights

• Admitted
• High in-house underwriting authority
• Earthquake & Flood included.
• Valuation: actual cash value
• 80% co-insurance
• Minimum premium $500
• Broad underwriting appetite
• 30-day coverage for newly purchased equipment

General Liability Program Highlights

• Admitted
• In-house underwriting authority
• Limits: $1,000,000 per Occurrence 2,000,000 Aggregate
• Forest Fire Suppression Expense
• Property Damage to Timberland not owned by you.
• Property Damage to Autos and Railroad Cars not owned by you.
• Timber Trespass

Commercial Auto Program Highlights

• Coverage for select logging contractors.
• Limited appointments
• Admitted
• In-house underwriting authority
• Limits $1 MM

For additional Information and submission requirements
Please contact:
Donald Fiorini
Business Development Leader
Arrowhead General Insurance

Donald Fiorini


Manufactured Housing Community and RV Park Program

Arrowhead offers Property & Liability for manufactured home communities, dealers and RV parks, with enhanced coverage for the industry's unique exposures. Turn to us for multi-state coverage, property CAT exposure availability, competitive rates, admitted paper.

Click to learn more.

Program Highlights

  • GL extensions giving aggregate limits per location and automatic additional insured wording

  • Umbrella coverage available

  • Debris removal included; refer to endorsement for specific limits

  • Dealer physical damage coverage on homes for sale

  • Coverage available for manufactured home dealers with used home sales

Jackie Miller


Worker's Compensation

Program Focus

  • Instant Quotes available on eligible accounts below $20,000
  • Upload your client's Acord 130 to avoid duplicate data entry and transfer the application directly into our quoting platform, By pre-populating your online submission in just three easy steps, the quoting process becomes more efficient with fewer mistakes.

We offer the country's top-rated insurance carriers, competitive rates, underwriting expertise, and above industry standard commissions.

Click to learn more.

Targeted Classes of Business

  • Agriculture*
  • Automotive Service & Repair
  • Construction/Contractors
  • Habitation
  • Hospitality
  • Manufacturing
  • Mercantile
  • Office & Professional Services
  • Restaurants
  • Transportaion/Delivery
  • Trucking up to 500 miles

*California accounts up to $20K require a separate appointment with industry specific premium commitment


Claims: A Value-Add Service

You and your policyholders will benefit from superior claims handling through American Claims Management Inc. (ACM). As a carrier-minded claims administrator, ACM works hard to ensure claims are closed out quickly. ACM's dedicated team offers a fully integrated line of claims and cost-containment services for your clients including:

  • 24/7 online, real time claims reporting, loss runs and plan of actions
  • Online medical provider portal
  • Claim service agreements and dedicated adjusters
  • Bilingual staff
  • Advanced reporting services
  • Lowered client costs with integrated technology
  • Aggressive fraud fighting
  • Cost control with proven results
  • Virtual/electronic payments
  • Claims advocacy
  • Lower caseloads means more personalized care

Not an Arrowhead producer? Apply online at

Producer Questionnaire - Arrowhead General Insurance Agency, Inc. (

Marketing Info
800.669.1889 x8733


Commercial Transportation - Bellingham

If your client has risks in the transportation of goods, Bellingham Underwriters, Arrowhead’s commercial transportation experts, can help.We write motor carriers hauling a product for-hire as well as private motor carriers hauling their own goods. Our appetite is broad because our knowledge and experience are extensive.

States: Alaska, Arkansas, Arizona, California, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Missouri, Montana, Nebraska, New Mexico, Nevada, North Dakota, Oklahoma, Oregon, South Dakota, Utah, Washington, Wisconsin, Wyoming.

Example Commodities (but not limited to)

  • Autos
  • Building Materials
  • Containers/Intermodal
  • Flatbed
  • Grain & Produce
  • Hazardous Materials
  • Livestock
  • Logs
  • Mail
  • Mixed commodities
  • Recycled goods/refuse/scrap
  • Refrigerated and dry van goods
  • Sand & gravel
  • Water in bulk
  • Wood chips

Target Markets (eligible but not limited to)

  • Agricultural classes - Fruit, produce, vegetable, grain, feed, seed, hay, refrigerated, fertilizer haulers
  • Auto haulers - Both new and used vehicles
  • Container haulers/Intermodal - Drayage container haulers in the Ports of Los Angeles/Long Beach and Portland (not Oakland or Seattle)
  • Dirt, rock, sand and gravel - DRSG of all kinds (including “dirty dirt”) in most territories but not in certain urban areas, including urban Los Angeles, San Francisco or Denver)
  • Dry Bulk Goods - dry cement, lime, ash, etc.
  • Dry van - Regional hauls with fixed regular routes
  • Equipment Haulers - including oversized/overweight haulers with specialty configuration and equipment
  • Flatbed - Building materials, steel, rebar, lumber, heavy equipment
  • Hazmat - carriers of petroleum or other classified hazardous materials (will not write pollution coverage on petroleum haulers)
  • Log haulers - For-hire and private log haulers, either finished lumber or raw logs
  • LTL haulers – “Less Than Truckload” risks
  • Mixed use classes - All mixed operation classes (for example, partial agricultural and sand and gravel or partial flatbed and produce, etc.)
  • Recyclables and refuse haulers - Residential recyclers and refuse haulers
  • Refrigerated haulers –Regional hauls with fixed, regular routes
  • Tanker haulers - Dairy operations, milk processed or raw, water, syrups, molasses, liquid fertilizers (not petroleum and gasoline haulers)
  • US Mail -Contract haulers for USPS
  • Vineyard - Truckers associated with grape production, hauling, bottling and processing

Program Highlights

  • Auto Liability

    - Limits up to $2,000,000 CSL

    - Including Non-Owned and Hired Auto Liability

  • Physical Damage

    - Maximum value any one vehicle $200,000 / Train $250,000 (train being the sum of a tractor or trailers)

  • Truckers GL

    - Limits up to $1,000,000 each occurrence/$2,000,000 annual aggregate for BI and PD

    - Limits up to $100,000 Fire Legal Liability

    - Limits up to $25,000 Medical Payments

  • Motor Truck Cargo

    - Limits up to $150,000 any one item/$250,000 any one accident or loss

  • Contractors Equipment

    - $200,000 any one item / $500,000 any one accident or loss

  • Property

          - $500,000 TIV any one location for Building and Personal Property combined

Program Highlights

  • Automatic Additional Insured and Loss Payee form on all policies
  • Multiple direct bill payment options available
  • Complimentary loss control services for fleet accounts

Not a Bellingham producer? Apply online at:


Lloyd's Auto Physical Damage and Cargo - Bellingham

Bellingham Underwriters has long been one of the most stable and reliable underwriting management firms in the country. We have broadened our ability to provide creative solutions with the addition of our Lloyd’s Auto Physical Damage and Motor Truck Cargo program. Our Lloyd’s Auto Physical Damage and Motor Truck Cargo accounts will be handled from start to finish by Bellingham Underwriters. Our approach incorporates standard policy forms, flexible underwriting, quick turnaround time and the exemplary customer service that you have come to expect.

States Covered

Arkansas, Arizona, California, Colorado, Idaho, Illinois, Montana, Nevada, Oregon, Texas, Utah and Washington

Coverage Highlights:

  • Auto Physical Damage: Maximum value any one vehicle $300,000 / $500,000 any one combined unit
  • Motor Truck Cargo: Limits up to $300,000 any one vehicle

Target Markets (not limited to)

  • Agricultural products – fruit, vegetables, feed, fertilizer, etc.
  • Autos
  • Building materials
  • Container
  • Dirt, rock, sand, gravel (including dirty dirt and frac sand, written selectively in urban areas)
  • Dry van general commodity carriers
  • Equipment haulers - including oversized/overweight haulers with specialty configurations and equipmemt
  • Flatbed (all types)
  • LTL freight forwarding operations
  • Mixed use classes - all mixed operation class (partial agriculture and sand and gravel or flatbed and produce etc)
  • Recycled/Refuse/Scrap Haulers - commercial recycling and refuse haulers, scrap metal haulers including metal debris removal
  • Refrigerated foods (regional hauls with fixed,regular routes)
  • Tanker Haulers - tanker haulers including wine, dairy operations, milk processed or raw, water, syrup, molasses, liquid fertilizers, petroleum (will not write pollution on petroleum haulers)
  • US Mail - contract haulers for USPS 
  • Vineyard - truckers associated with grape production, hauling, bottlng, processing 

Program Highlights

  • Claims administered by National Claims Management (current TPA for Bellingham Underwriters)
  • Standard Forms - Motor Carrier Form for Auto Physical Damage and Bellingham Underwriters Motor Carrier Form for Motor Truck Cargo
  • Mexican National drivers acceptable.

Not a Bellingham producer? Apply online at: