Agency Insurance Company (AIC)
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Current public information from Agency Insurance Company (AIC) is high level and marketing‑oriented; no detailed, line‑by‑line underwriting guide or class‑by‑class appetite schedule is published on their site as of March 30, 2026. The following reflects what can be reliably inferred from official materials and should be supplemented with filed manuals and any proprietary agent guides the carrier provides. Preferred business / target profile - Personal Auto, Commercial Auto, and Motorcycle/Off‑Road Vehicle are the core lines AIC is actively writing and promoting. ([agencyinsurancecompany.com](https://www.agencyinsurancecompany.com/?utm_source=openai)) - Target states: Maryland, Pennsylvania, Tennessee, and Virginia for personal auto, commercial auto, and motorcycle/off‑road (AIC notes it "currently writes" these in MD, PA, TN, VA). ([agencyinsurancecompany.com](https://www.agencyinsurancecompany.com/how-to-become-an-agent/?utm_source=openai)) - Focus on standard private passenger vehicles, a range of commercial autos (including dump trucks, box trucks, and other local commercial vehicles), and a broad mix of motorcycles and recreational/off‑road units (ATVs, scooters, mopeds, golf carts, snowmobiles, etc.). ([agencyinsurancecompany.com](https://www.agencyinsurancecompany.com/?utm_source=openai)) - Business is distributed exclusively through independent/professional insurance agents; AIC positions itself as partnering with agents who provide a high level of service and insurance protection, implying a preference for agents/agencies with demonstrated auto expertise and stable production/loss history. ([agencyinsurancecompany.com](https://www.agencyinsurancecompany.com/?utm_source=openai)) Restricted / declined classes (inferred – confirm with manuals) - No explicit public list of prohibited or restricted classes is provided. There is, however, an indication that commercial auto underwriting requires confirmation that the correct business class and required filings are in place, suggesting tighter scrutiny for higher‑hazard commercial uses and for filings (e.g., certain trucking or public auto exposures). ([agencyinsurancecompany.com](https://www.agencyinsurancecompany.com/employment/career-opportunities/?utm_source=openai)) - Risks outside MD, PA, TN, VA appear out‑of‑appetite for auto and motorcycle/off‑road; AIC only references these four states as active territories. Treat accounts domiciled or garaged outside these states as declined unless an AIC underwriter confirms otherwise. ([agencyinsurancecompany.com](https://www.agencyinsurancecompany.com/how-to-become-an-agent/?utm_source=openai)) - No public indication AIC writes non‑auto lines (e.g., homeowners, GL/BOP); those should be considered out‑of‑appetite unless written via a separate program or affiliate not referenced in AIC’s own materials. Geographic notes - Primary operating footprint is Mid‑Atlantic and nearby: Maryland (legacy/home state), Pennsylvania, Virginia, and Tennessee, where AIC emphasizes growth and current writings in personal auto, commercial auto, and motorcycle/off‑road. ([agencyinsurancecompany.com](https://www.agencyinsurancecompany.com/how-to-become-an-agent/?utm_source=openai)) - Producer marketing references indicate these same states as the key opportunity states; no additional states are advertised as currently open on AIC’s official site. ([agencyinsurancecompany.com](https://www.agencyinsurancecompany.com/how-to-become-an-agent/?utm_source=openai)) Submission and placement expectations (from agent appointment/process content) - AIC only conducts business through licensed insurance professionals; retail customers must work through an appointed independent agent. ([agencyinsurancecompany.com](https://www.agencyinsurancecompany.com/?utm_source=openai)) - To obtain an appointment, agencies must complete an Agency Appointment Application including agency production and loss information, and then mail or fax it to AIC at the address on the form. This underscores that AIC reviews production volume, loss ratios, and experience before granting binding authority or direct access. ([agencyinsurancecompany.com](https://www.agencyinsurancecompany.com/how-to-become-an-agent/?utm_source=openai)) - Commercial auto underwriting job description highlights day‑to‑day review of policies to ensure they meet "qualifications/guidelines" and that correct business classes, coverages, required filing information, and billing/cancellation processes are followed, implying that clean, well‑documented submissions with accurate business classification and complete filing data are expected from agents. ([agencyinsurancecompany.com](https://www.agencyinsurancecompany.com/employment/career-opportunities/?utm_source=openai)) - AIC provides service and claims contacts and encourages phone/email interaction; producers should use customer service and marketing/sales contacts for underwriting or market‑availability questions and claims contact for loss handling. ([agencyinsurancecompany.com](https://www.agencyinsurancecompany.com/contact-us/?utm_source=openai)) Broker / producer notes - AIC positions itself as a partner to independent agencies, selling exclusively through professional insurance agents and emphasizing high‑service relationships; they do not market direct‑to‑consumer. ([agencyinsurancecompany.com](https://www.agencyinsurancecompany.com/?utm_source=openai)) - Appointment is required before writing business; producers should not assume the ability to submit or bind AIC risks without a completed and approved appointment application. ([agencyinsurancecompany.com](https://www.agencyinsurancecompany.com/how-to-become-an-agent/?utm_source=openai)) - Once appointed, producers should expect active communication with underwriters, especially for commercial auto accounts, around correct class assignment, filings, and any requested policy changes. ([agencyinsurancecompany.com](https://www.agencyinsurancecompany.com/employment/career-opportunities/?utm_source=openai)) Operational use note - Because AIC does not publish a public‑facing underwriting manual or detailed appetite guide, treat this summary as a high‑level market profile only. For operational placement decisions (e.g., specific driver criteria, vehicle value/age limits, radius of operation, loss thresholds, or prohibited business types), consult AIC’s internal underwriting guides, state‑filed manuals, or your AIC marketing/underwriting contact.