You may be thinking, why is this question important to searching for Insurance? The answer is, if you do not know what each Insurance carrier prefers as a client, you can end up spinning your wheels with a lot of rejections. Each carrier has an appetite guide, which identifies the type of businesses they are willing to insure, and there are many carriers out there, so you can start to understand the difficulty, and complexity that can come with identifying the right carrier for a business. Understand that profitability to an insurance carrier mean, no claims and limited risk. Some carries will not write a new business, because of the lack of experience in the field, but in most cases the owner, or operators have some level of experience in the business even though the company itself is a new venture, which allows for the insurance companies to consider insuring a new company.