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
Agency Insurance Company (AIC) is a regional mono-line auto writer (personal, commercial, and motorcycle) currently active in MD, PA, VA, and TN. Commercial Auto is offered in all four states, with TN noted as a newer Commercial Auto territory. Risks must be registered and garaged in eligible states. Distribution is exclusively through appointed independent agents; AIC does not write direct. Preferred / target business (Commercial Auto) - Small fleets: focus is on small commercial fleets up to roughly 10 power units, including light and medium trucks used for local business operations (e.g., contractors, service trades, local delivery, small business autos). ([cdnc.heyzine.com](https://cdnc.heyzine.com/files/uploaded/v3/ef80bf044b62a3f0d71c531dadb345d7992b8142-104.pdf?utm_source=openai)) - Standard to moderately complex risks placed through retail agencies with demonstrated commercial auto volume and acceptable historical loss ratios, as reflected in the agent appointment profile requirements (three largest commercial auto carriers, premium and loss ratios). ([agencyinsurancecompany.com](https://www.agencyinsurancecompany.com/wp-content/uploads/2023/03/Agent-Appointment-Application-R11-02-2023.pdf?utm_source=openai)) - Clean to average loss history, stable operations, and straightforward vehicle use (no unusual or severe hazard exposures). Restricted or declined classes (inferred / operational) - AIC’s public materials do not publish a detailed class-by-class decline list. Based on its positioning as a small-fleet auto carrier, agents should expect AIC to be selective or declined on: - Large or long-haul trucking, for-hire trucking with federal filings, or fleets materially above the small-fleet profile. - High-hazard hauling (e.g., bulk hazardous materials, heavy dump operations), livery/passenger transportation, or other classes outside a standard small-business truck/auto profile. - Agents should confirm specific acceptability (hazmat, long-haul, towing, livery, etc.) with the AIC underwriter or marketing contact; no formal appetite grid is posted publicly. Geographic notes - Active states: Maryland, Pennsylvania, Virginia (personal, commercial, and motorcycle), and Tennessee (commercial auto specifically highlighted as a newer market). ([myaicpolicy.com](https://www.myaicpolicy.com/?utm_source=openai)) - Vehicles must be garaged and registered in these states; there is no indication of appetite outside these territories. Submission / producer expectations - AIC writes exclusively through appointed independent agents; business must be submitted via an appointed agency with a completed agency profile and appointment. ([myaicpolicy.com](https://www.myaicpolicy.com/?utm_source=openai)) - Agent appointment documentation requires: current production reports (3 years) with premium and loss ratios, current E&O declarations, agency and producer licenses (with DOB and SSN) and EFT/banking details upon appointment. ([agencyinsurancecompany.com](https://www.agencyinsurancecompany.com/wp-content/uploads/2023/03/Agent-Appointment-Application-R11-02-2023.pdf?utm_source=openai)) - Producers should be prepared to provide complete commercial auto submissions (driver info, schedules, loss runs, vehicle use, and territory details). While not explicitly listed online, AIC’s reliance on agent distribution and loss-ratio reporting implies a focus on complete and well-documented submissions. Broker / producer notes - AIC emphasizes its commitment to agents and operates only through professional agents, highlighting service, technology, and loyal distribution as core advantages. ([myaicpolicy.com](https://www.myaicpolicy.com/?utm_source=openai)) - There is no public-facing, detailed Commercial Auto underwriting or appetite manual; producers should rely on internal AIC manuals, state-specific bulletins, and underwriter guidance for granular class restrictions, radius rules, and surcharge/credit structure. Operational takeaway: Treat AIC as a regional, agent-only small-fleet commercial auto market in MD, PA, VA, and TN. Target clean, small commercial fleets with local/regional operations written through established agencies with solid auto loss ratios. For anything beyond straightforward small-business auto exposures, obtain explicit underwriter confirmation of acceptability and pricing before marketing AIC as the lead carrier.