What insurance products does GeoVera offer? First of all, it is important to understand that many products of GeoVera fall into the "admitted insurance" category. This means that they are admitted into the state's Department of Insurance and therefore they must report their financials to the department and get the department's approval for the limits they set on their policies. Being admitted is good because it causes accountability, but it can also become political. This is due to the fact that the insurance industry lobbies the Department of Insurance in every state to change insurance industry laws. Being an admitted insurance company means that the government can be influenced to make decisions only for those who are admitted. Second, it is also important to understand that the rest of GeoVera products fall into the category of Surplus Lines of Insurance. This categorization means that the insurance is so specialized some states or carriers won't take on the risk of writing a policy.
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