--- title: "Incline P&C Group Insurance Review [Updated 2026]" description: "Incline P&C Group operates three carriers offering personal and commercial lines through independent MGAs. Learn about their unique fronting model, AM Best A- rating, and rapid growth trajectory." canonical: "https://www.coveragecat.com/reviews/incline-pc" last-updated: "2026-08-13" --- # Incline P&C Group Insurance Review [Updated 2026] Incline P&C Group takes a modern approach to insurance distribution. Rather than selling policies direct to consumers, the company serves as a fronting carrier that partners with independent managing general agents (MGAs) to deliver coverage across the United States. This business model has driven remarkable growth since the company's 2015 founding. The company operates three distinct carriers: Incline Americas Insurance Company, Incline Casualty Company, and Incline National Insurance Company. All three hold an AM Best financial strength rating of A- (Excellent) with stable outlooks [(AM Best, "AM Best Assigns Credit Ratings to Incline Americas Insurance Company; Affirms Credit Ratings of Incline Casualty Company and Affiliate", 2024)](https://news.ambest.com/PR/PressContent.aspx?refnum=34535&altsrc=9). According to the company's website, the group maintains over $100 million in policyholder surplus [(Incline P&C Group, "Premium Program Insurance Solutions", 2026)](https://inclinepc.com/). Over the past decade, Incline has managed $6.2 billion in program business and written $1.6 billion in premiums [(Incline P&C Group, "Incline P&C Group Announces Partnership with Specialist Trucking MGA and Broker Strategic Insurance Underwriters", 2025)](https://inclinepc.com/inclinepc-group-announces-partnership-with-specialist-trucking-mga-and-broker-strategic-insurance-underwriters-a-division-of-us-risk-insurance-group/). Headquartered in Austin, Texas, with additional offices in Dallas and Greenwich, Connecticut, Incline has appeared on the Inc. 5000 list of fastest-growing companies for four consecutive years. The company ranked #9 nationwide in the insurance category for 2025, with three-year revenue growth of 1,242 percent [(PR Newswire, "Incline P&C Group Ranks #9 Nationwide in Insurance on 2025 Inc. 5000 List", 2025)](https://www.prnewswire.com/news-releases/incline-pc-group-ranks-9-nationwide-in-insurance-on-2025-inc-5000-list-302576093.html). In January 2026, Incline promoted Andrew McLennan to Chief Risk Officer and appointed Rob Strickland as Chief Information Officer. McLennan brought over 25 years of actuarial science, reinsurance, and enterprise risk management experience from Sompo International, Endurance Specialty, and Montpelier Re [(PR Newswire, "Incline Promotes Andrew McLennan to Chief Risk Officer; Appoints Rob Strickland as Chief Information Officer", 2026)](https://www.prnewswire.com/news-releases/incline-promotes-andrew-mclennan-to-chief-risk-officer-appoints-rob-strickland-as-chief-information-officer-302698015.html). These appointments strengthen the company's technical capabilities as it continues to expand. ## What Kinds of Insurance Does Incline P&C Group Offer? Incline P&C Group offers both personal and commercial lines insurance through its three carriers. The company distributes these products through 52 independent managing general agents across 44 states [(Globe Newswire, "Incline P&C Group announces growth equity investment from Braemont Capital", 2023)](https://www.globenewswire.com/news-release/2023/06/08/2684562/0/en/Incline-P-C-Group-announces-growth-equity-investment-from-Braemont-Capital.html). Personal lines include: - [Homeowners insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance) - [Private passenger auto insurance](https://www.coveragecat.com/insurance-types/car-insurance) - Motorcycle insurance - Flood insurance - Pet insurance The company's commercial offerings focus on specialized program business, including commercial auto liability, motor truck cargo, general liability, and workers' compensation [(ProgramBusiness, "Across America Partners with Incline Americas to Provide Solutions", 2024)](https://programbusiness.com/news/across-america-partners-with-incline-americas-to-provide-solutions-to-challenged-transportation-insurance-market/). Incline Americas Insurance Company launched in 2024 as the group's excess and surplus lines carrier. This entity writes business on a non-admitted basis, offering coverage for risks that traditional admitted carriers may decline [(AM Best, "AM Best Assigns Credit Ratings to Incline Americas Insurance Company; Affirms Credit Ratings of Incline Casualty Company and Affiliate", 2024)](https://news.ambest.com/PR/PressContent.aspx?refnum=34535&altsrc=9). | Carrier | Market Type | Primary Lines | States Licensed | |---------|------------|--------------|-----------------| | Incline Americas Insurance Company | Excess & Surplus | Commercial auto liability, motor truck cargo | 46 (non-admitted) | | Incline Casualty Company | Admitted | Private passenger auto, homeowners, commercial auto | 44 states | | Incline National Insurance Company | Admitted | Homeowners, auto liability, physical damage | 42 states | | Redpoint County Mutual | County Mutual | Private passenger auto | Texas | ## Does Incline P&C Group Offer Homeowners Insurance? Yes, Incline P&C Group offers [homeowners insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance) through its carrier network. Incline National Insurance Company received Florida approval to write homeowners multiperil coverage in April 2025 [(Insurance Journal, "Two More Insurers Enter Florida Market as Hurricane Season Warms Up", 2025)](https://www.insurancejournal.com/news/southeast/2025/06/30/829477.htm). The company plans to offer coverage statewide in Florida [(Florida Office of Insurance Regulation, "Insurance Commissioner Mike Yaworsky Announces Additional Growth", 2025)](https://floir.com/home/2025/06/27/insurance-commissioner-mike-yaworsky-announces-additional-growth-to-florida's-insurance-market). In California, Incline partnered with Bamboo Insurance in April 2025 to expand homeowners market capacity. Under this partnership, Bamboo underwrites both admitted and non-admitted homeowners programs through Incline [(PR Newswire, "Bamboo Insurance Partners with Incline P&C Group", 2025)](https://www.prnewswire.com/news-releases/bamboo-insurance-partners-with-incline-pc-group-to-expand-home-insurance-options-in-california-302417338.html). This arrangement leverages technology and actuarial expertise to deliver coverage in California's challenging insurance market [(Bamboo Insurance, "Bamboo Insurance Partners with Incline P&C Group", 2025)](https://bambooinsurance.com/bamboo-insurance-partners-with-incline-pc-group-to-expand-home-insurance-options-in-california/). In 2021, Incline became an issuing carrier for Hippo Insurance Services, which enabled Hippo's homeowners insurance policies to reach more customers through Incline's distribution channels [(PR Newswire, "Incline P&C Group to further underwriting capacity for growing home insurance group Hippo", 2021)](https://www.prnewswire.com/news-releases/incline-pc-group-to-further-underwriting-capacity-for-growing-home-insurance-group-hippo-301353044.html). The company's homeowners products cover standard perils and property damage, though specific coverage details vary by state and program administrator. Because Incline operates through MGAs, the exact policy terms and conditions depend on which agency underwrites your policy. ## Does Incline P&C Group Offer Auto Insurance? Incline P&C Group provides both private passenger [auto insurance](https://www.coveragecat.com/insurance-types/car-insurance) and commercial auto coverage. The company writes auto liability and physical damage coverage across its carrier platforms [(AM Best, "Incline Casualty Company Rating Disclosure", 2026)](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12439). Private passenger auto represents a significant portion of the company's business. Incline National received Florida approval to write private passenger auto insurance in 2025 [(Florida Office of Insurance Regulation, "Insurance Commissioner Mike Yaworsky Announces Additional Growth", 2025)](https://floir.com/home/2025/06/27/insurance-commissioner-mike-yaworsky-announces-additional-growth-to-florida's-insurance-market). For commercial transportation risks, Incline Americas Insurance Company partners with managing general agents to provide commercial auto liability, physical damage, and motor truck cargo coverage. One partnership launched in 2024 makes these products available in 20 states for transportation businesses [(ProgramBusiness, "Across America Partners with Incline Americas to Provide Solutions", 2024)](https://programbusiness.com/news/across-america-partners-with-incline-americas-to-provide-solutions-to-challenged-transportation-insurance-market/). ## Does Incline P&C Group Offer Umbrella Insurance? The available sources do not mention [umbrella insurance](https://www.coveragecat.com/insurance-types/umbrella-insurance) among Incline P&C Group's product offerings. The company focuses primarily on standard homeowners, auto, and specialty commercial lines. Consumers who need umbrella coverage should contact the MGA or program administrator that issued their primary policy to determine if excess liability options exist through the Incline platform. ## How Does Incline P&C Group Work? Incline P&C Group operates differently from traditional insurance companies. The company functions as a fronting carrier, lending its financial ratings and regulatory licenses to managing general agents and captive insurers [(Incline P&C Group, "Frequently Asked Questions", 2026)](https://inclinepc.com/faq/). This means Incline does not offer insurance quotes direct to the public. Instead, consumers purchase policies through one of Incline's partner MGAs or program administrators. These partners handle underwriting decisions, policy issuance, and often claims administration. The company provides critical backend support including: - Financial strength and regulatory compliance - Reinsurance arrangements - Actuarial services and rate filings - Claims oversight for selected programs - Technology infrastructure and reporting systems Incline Claims Services, Inc., organized in 2018, oversees claims management for selected programs. The company contracts to handle claims associated with private passenger automobile insurance programs [(Incline P&C Group, "Why Incline", 2024)](https://inclinepc.com/why-incline/). This fronting model allows specialized MGAs to access Incline's financial ratings while maintaining control over underwriting and customer relationships. For consumers, this means your policy may carry the Incline name, but you interact primarily with the issuing agent or program administrator. The company emphasizes underwriting discipline, risk management, and active program management as key services to its MGA partners [(PR Newswire, "Incline P&C Group Announces Partnership with Strategic Insurance Underwriters", 2021)](https://www.prnewswire.com/news-releases/incline-pc-group-announces-partnership-with-specialist-trucking-mga-and-broker-strategic-insurance-underwriters-a-division-of-us-risk-insurance-group-301408826.html). ## Pros and Cons of Incline P&C Group
### Pros **Strong Financial Ratings**: All three Incline carriers hold AM Best A- (Excellent) ratings with stable outlooks, reflecting very strong balance sheet strength (AM Best, "AM Best Assigns Credit Ratings to Incline Americas Insurance Company; Affirms Credit Ratings of Incline Casualty Company and Affiliate", 2024). The company maintains the strongest level of risk-adjusted capitalization at 99.6% VaR confidence level (Ibid., "Incline Casualty Company Rating Disclosure", 2026). **Rapid Growth**: The company has appeared on the Inc. 5000 fastest-growing companies list for four consecutive years (PR Newswire, "Incline P&C Group Ranks #9 Nationwide in Insurance on 2025 Inc. 5000 List", 2025). **Wide Distribution Network**: Incline partners with 52 independent MGAs, providing consumers with multiple access points to coverage (Globe Newswire, "Incline P&C Group announces growth equity investment from Braemont Capital", 2023). **Geographic Availability**: The company operates in 44 states, with its surplus lines carrier authorized nationwide (PR Newswire, "Incline P&C Group Ranks #9 Nationwide in Insurance on 2025 Inc. 5000 List", 2025). **Experienced Leadership**: The management team claims over 75 years of combined industry experience in program carrier operations (Globe Newswire, "Incline P&C Group announces growth equity investment from Braemont Capital", 2023). **Strong Capital Backing**: The company has raised $192 million in total funding, including a $125 million investment from Braemont Capital in 2023 (PitchBook, "Incline P&C Group 2026 Company Profile: Valuation, Funding & Investors", 2026).
### Cons **No Direct Customer Access**: Consumers cannot purchase policies direct from Incline; they must work through MGAs (Incline P&C Group, "Frequently Asked Questions", 2026). **Reserve Development Concerns**: Weiss Ratings notes fair long-term capitalization with a 3.5/10 index, observing that results have slipped from the excellent range over the last two years (Weiss Ratings, "Summary - Incline Casualty Co", 2026). **Regulatory Issues**: Redpoint County Mutual, managed by Incline, received a Texas Department of Insurance disciplinary order in 2023 for claims handling violations due to actions of its MGA, Go Maps (Texas Department of Insurance, "Redpoint County Mutual Insurance Company Disciplinary Order No. 2023-8361", 2023). In 2025, Redpoint received another consent order regarding rate filing errors that resulted in premium overcharges to policyholders (Ibid., "Redpoint County Mutual Insurance Company Consent Order No. 2025-9237", 2025). **BBB Complaints**: Redpoint County Mutual holds an A- rating but failed to respond to 4 complaints filed against the business (Better Business Bureau, "Redpoint County Mutual Insurance Company BBB Business Profile", 2026). **Complex Claims Process**: Because partner agencies or third-party administrators often handle claims, the process can be less straightforward than with direct carriers. **Limited Transparency**: The fronting model makes it difficult for consumers to understand exactly who handles what aspects of their policy and claims.
## Ratings and Customer Feedback Incline P&C Group's financial strength ratings remain solid across its carrier platforms. However, customer-facing reviews are limited due to the company's business-to-business distribution model. | Rating Source | Rating | Notes | |--------------|--------|-------| | A.M. Best | A- (Excellent) | All three carriers rated A- (Excellent) with stable outlook, affirmed April 1, 2025 [(AM Best, "Incline Casualty Company Rating Disclosure", 2026)](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12439) | | Demotech | Not rated | Incline carriers do not appear to hold Demotech Financial Stability Ratings | | NAIC Complaint Index | Not available | This company does not have any consumer complaints in Missouri records [(Missouri Department of Insurance, "Incline Casualty Company", 2025)](https://insurance.mo.gov/insurance-company/incline-casualty-company) | | Yelp | Not available | No Yelp business listing found for Incline P&C Group headquarters | | Google Maps | Not available | No Google Maps business listing found for Incline P&C Group headquarters | | Trustpilot | Not available | No Trustpilot profile found for Incline P&C Group | | BBB (Incline Casualty) | A | Not BBB Accredited; 3 complaint(s) filed against business [(Better Business Bureau, "Incline Casualty Company BBB Business Profile", 2026)](https://www.bbb.org/us/tx/austin/profile/insurance-companies/incline-casualty-company-0825-1000200644) | | BBB (Redpoint County Mutual) | A- | 46 complaint(s) filed against business; Failure to respond to 4 complaint(s); 1.26/5 stars average of 23 Customer Reviews [(Better Business Bureau, "Redpoint County Mutual Insurance Company BBB Business Profile", 2026)](https://www.bbb.org/us/tx/austin/profile/insurance-agency/redpoint-county-mutual-insurance-company-0825-1000151493) | | Weiss Ratings | C | Fair long-term capitalization index (3.5 on a scale of 0 to 10) based on fair current risk adjusted capital (severe and moderate loss scenarios), although results have slipped from the excellent range over the last two years [(Weiss Ratings, "Summary - Incline Casualty Co", 2026)](https://weissratings.com/en/insurer/P11090) | | Trusted Choice | Not available | No Trusted Choice rating found | | NerdWallet | Not available | No NerdWallet rating found | The ratings reflect Incline Insurance Group's balance sheet strength, which AM Best assesses as very strong, as well as its adequate operating performance, limited business profile and appropriate enterprise risk management [(AM Best, "AM Best Assigns Credit Ratings to Incline Americas Insurance Company; Affirms Credit Ratings of Incline Casualty Company and Affiliate", 2024)](https://news.ambest.com/PR/PressContent.aspx?refnum=34535&altsrc=9). Incline Insurance Group reported net income of $15.3 million in 2024, up from $4.4 million in 2023. The combined ratio improved to 91.7 from 93.6 during the same period [(Insurance Business America, "Florida's insurance market expands as two new carriers secure approval", 2025)](https://www.insurancebusinessmag.com/us/news/property/floridas-insurance-market-expands-as-two-new-carriers-secure-approval-541081.aspx). ## Real Customer Reviews Due to Incline's business model of operating through MGAs, direct customer reviews of the parent company are scarce. On the BBB profile for Redpoint County Mutual, most negative reviews come from drivers involved in accidents with Redpoint-insured customers rather than policyholders themselves. Common complaints cite agents who do not return phone calls, and several reviewers report needing to involve an attorney [(BBB, "Redpoint County Mutual Insurance Company", 2026)](https://www.bbb.org/us/tx/austin/profile/insurance-agency/redpoint-county-mutual-insurance-company-0825-1000151493). The BBB also notes that Redpoint failed to respond to eight complaints filed against the business [(BBB, "Redpoint County Mutual Insurance Company", 2026)](https://www.bbb.org/us/tx/austin/profile/insurance-agency/redpoint-county-mutual-insurance-company-0825-1000151493). The Texas Department of Insurance disciplinary order against Redpoint County Mutual highlighted several customer service failures:
**Regulatory Finding - Claims Handling Issues** Redpoint, due to the actions of Go Maps, violated TEX. INS. CODE ยง 542.003(b)(4) by not attempting in good faith to effect a prompt, fair, and equitable settlement of a claim submitted in which liability has become reasonably clear. *Source: [(Texas Department of Insurance, "Redpoint County Mutual Insurance Company Disciplinary Order", 2023)](https://www.tdi.texas.gov/commissioner/disciplinary-orders/documents/20238361.pdf)*
**BBB Customer Review - Incline Casualty Company** "DO NOT USE - this company, nor its sister company, are on the radar with BBB. That should be your first sign. After being hit head on by one of their insured, they will not respond to calls, emails, or messages to let me file a claim. Beware." *Source: [(Better Business Bureau, "Incline Casualty Company Customer Reviews", 2026)](https://www.bbb.org/us/tx/austin/profile/insurance-companies/incline-casualty-company-0825-1000200644/customer-reviews)*
**BBB Customer Review - Redpoint County Mutual** "This is the worst insurance company on earth. They provide insurance at cheap costs that provide no actual coverage." *Source: [(Ibid., "Redpoint County Mutual Insurance Company BBB Business Profile", 2026)](https://www.bbb.org/us/tx/austin/profile/insurance-agency/redpoint-county-mutual-insurance-company-0825-1000151493)*
The lack of extensive consumer reviews on platforms like Trustpilot, Yelp, or Google Maps reflects Incline's wholesale distribution model. Customers typically associate their coverage with the issuing MGA rather than the carrier itself. This creates a unique challenge when evaluating whether Incline P&C insurance is good insurance, because most policyholders never interact with Incline directly. ## Get Customer Support or File a Claim Filing a claim with an Incline P&C Group policy requires contacting the managing general agent or program administrator that issued your policy. The company does not handle claims direct for most policies [(Incline P&C Group, "Frequently Asked Questions", 2026)](https://inclinepc.com/faq/). If you need help identifying your issuing agent, contact Incline at: - Phone: (737) 615-4700 - Toll-free: 1-833-919-4267 - Address: 13215 Bee Cave Parkway B-150, Austin, TX 78738 For Redpoint County Mutual policies: - Email: info@redpointinsurance.com - Fax: (512) 708-9486 Common partner agencies and third-party administrators include Pronto Insurance, Embark General, Elephant Insurance, and Hartford/AARP Program [(GoSuits, "How to File a Claim with Redpoint County Mutual Claims Department", 2025)](https://gosuits.com/knowledge-base/how-to-file-a-claim-with-redpoint-county-mutual-claims-department/). When filing a claim, have your policy number ready and be prepared to provide: - Date and time of the incident - Description of what happened - Photos or documentation of damage - Contact information for other parties involved - Police report number (if applicable) For policies where Incline Claims Services manages the claims process, the company handles private passenger automobile claims direct. However, most other claims go through partner organizations. Texas law requires written acknowledgment of claims within 15 days of receiving notice, but the actual processing time varies by administrator [Ibid.](https://gosuits.com/knowledge-base/how-to-file-a-claim-with-redpoint-county-mutual-claims-department/). | MGA Partner | Contact Method | Typical Coverage Types | |------------|----------------|----------------------| | Pronto Insurance | Online portal or phone | Private passenger auto | | Embark General | Direct claims line | Homeowners, auto | | Elephant Insurance | Mobile app or web | Auto liability and physical damage | | Hartford/AARP Program | 1-800 claims line | Auto and homeowners | ## Frequently Asked Questions **Can I buy insurance directly from Incline P&C Group?** No. Incline operates as a fronting carrier and does not sell policies direct to consumers. You must purchase coverage through one of the company's partner managing general agents [(Incline P&C Group, "Frequently Asked Questions", 2026)](https://inclinepc.com/faq/). **Which states does Incline P&C Group operate in?** Incline P&C Group operates in 44 states through its admitted carriers. Incline Americas Insurance Company, the group's surplus lines carrier, has nationwide authorization to write non-admitted business [(PR Newswire, "Incline P&C Group Ranks #9 Nationwide in Insurance on 2025 Inc. 5000 List", 2025)](https://www.prnewswire.com/news-releases/incline-pc-group-ranks-9-nationwide-in-insurance-on-2025-inc-5000-list-302576093.html). **What is the relationship between Incline and Redpoint County Mutual?** Redpoint County Mutual is part of the Incline P&C Group family of insurance carriers. Incline manages Redpoint and provides administrative services [(Incline P&C Group, "Frequently Asked Questions", 2026)](https://inclinepc.com/faq/). **Is Incline P&C Group financially stable?** AM Best rates all three Incline carriers A- (Excellent) with stable outlooks, indicating very strong balance sheet strength [(AM Best, "AM Best Assigns Credit Ratings to Incline Americas Insurance Company; Affirms Credit Ratings of Incline Casualty Company and Affiliate", 2024)](https://news.ambest.com/PR/PressContent.aspx?refnum=34535&altsrc=9). The company maintains the strongest level of risk-adjusted capitalization at 99.6% VaR confidence level [(Ibid., "Incline Casualty Company Rating Disclosure", 2026)](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12439). However, Weiss Ratings assigns a C rating and notes that capitalization has slipped from the excellent range over the past two years [(Weiss Ratings, "Summary - Incline Casualty Co", 2026)](https://weissratings.com/en/insurer/P11090). **How long does it take to process a claim?** Claim processing times vary depending on which MGA or third-party administrator handles your policy. Incline does not publish specific turnaround time commitments. The Texas regulatory order noted delays in claims handling for certain Redpoint policies processed through Go Maps [(Texas Department of Insurance, "Redpoint County Mutual Insurance Company Disciplinary Order", 2023)](https://www.tdi.texas.gov/commissioner/disciplinary-orders/documents/20238361.pdf). **Does Incline P&C Group offer flood insurance?** Yes, flood insurance is among the programs Incline underwrites through its MGA partners [(Globe Newswire, "Incline P&C Group announces growth equity investment from Braemont Capital", 2023)](https://www.globenewswire.com/news-release/2023/06/08/2684562/0/en/Incline-P-C-Group-announces-growth-equity-investment-from-Braemont-Capital.html). **Who leads Incline P&C Group?** Chris McClellan serves as President and CEO with more than 25 years of experience in property and casualty insurance [(Incline P&C Group, "Chris McClellan - President and Chief Executive Officer", 2024)](https://inclinepc.com/chris-mcclellan/). The leadership team includes Lauren Wiedenfeld as CFO, Allen Halbrook as Chief Legal Officer, Stephen Radomski as CTO, and as of January 2026, Andrew McLennan as Chief Risk Officer and Rob Strickland as Chief Information Officer [(PR Newswire, "Incline Promotes Andrew McLennan to Chief Risk Officer; Appoints Rob Strickland as Chief Information Officer", 2026)](https://www.prnewswire.com/news-releases/incline-promotes-andrew-mclennan-to-chief-risk-officer-appoints-rob-strickland-as-chief-information-officer-302698015.html). **What makes Incline different from traditional insurance companies?** Incline operates as a fronting carrier, providing financial strength and regulatory licenses to specialized MGAs rather than selling policies direct. This model allows program administrators to leverage Incline's ratings while maintaining control over underwriting and customer relationships [(Incline P&C Group, "Frequently Asked Questions", 2026)](https://inclinepc.com/faq/). The company focuses exclusively on the program insurance market and claims over 75 years of combined industry experience among its executive team [(PR Newswire, "Incline P&C Group Announces Partnership with Strategic Insurance Underwriters", 2021)](https://www.prnewswire.com/news-releases/incline-pc-group-announces-partnership-with-specialist-trucking-mga-and-broker-strategic-insurance-underwriters-a-division-of-us-risk-insurance-group-301408826.html).