American Independent Company
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
No current, public-facing underwriting, appetite, or producer submission guidelines could be verified for a carrier presently operating under the standalone name "American Independent Company" or "American Independent Insurance Company" for standard P&C lines. Search results show references to an "American Independent Reinsurance Company" in an older Federal Register underwriting limitation listing and to an "American Independent" entity in a life/health context tied to Bankers Fidelity, but neither provides retail P&C underwriting appetite or producer submission rules you could operationalize for quoting or placement. In addition, the most recent detailed regulatory material located is a Pennsylvania Department of Insurance examination report for American Independent Insurance Group (PA-domiciled companies), which confirms regulatory status and corporate activity but does not include usable day‑to‑day underwriting criteria, target classes, restricted classes, or producer workflows for writing new business. Because no official carrier site, producer portal, or appetite guide for a currently active P&C writer under this name could be validated, you should **not rely on this entity for new placements** without first: - Confirming with your network, wholesaler, or cluster whether American Independent has been merged, rebranded, or absorbed into another carrier and using that carrier’s official guidelines instead. - Checking your internal agency management system or carrier portal bookmarks for any non‑public producer site or manuals you may have for American Independent; use those as the source of truth if they exist and are dated current. - Verifying with your state DOIs and with AM Best or similar that any American Independent entity you see appointed is active and open for the line/state you intend to write. Operationally: treat American Independent as having **no confirmed current public underwriting appetite or submission standards**. Do not assume authority to quote, bind, or endorse without direct carrier/wholesaler confirmation. If you find that American Independent business is now written on another group’s paper (e.g., through merger or program fronting), follow that paper carrier’s published underwriting and submission rules for risk selection, geography, and documentation requirements.