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
No formal public underwriting or appetite guide was found for Commercial Auto. Based on AIC’s official site, the carrier currently writes commercial automobile business only through appointed insurance professionals and operates in Maryland, Pennsylvania, Tennessee, and Virginia. Publicly referenced commercial vehicle targets include commercial autos, step vans, dump trucks, box trucks, tow trucks, flatbed trucks, bucket trucks, utility trailers, and transport trailers. Publicly listed commercial coverages include any auto, garage keepers, on-hook, motor truck cargo, trucker and towing GL, limits up to $1 million CSL, and federal filing/MCS-90 capability; coverages vary by state and program. No explicit public declined classes, prohibited operations, driver criteria, radius, fleet size, or loss-history thresholds were found on the verified site, so those should be confirmed directly with AIC marketing/underwriting. Geographic footprint shown on the official site is MD, PA, TN, and VA only. Submission/appointment guidance for producers is clearer than risk appetite guidance: AIC distributes exclusively through agents, and prospective agencies must complete the Appointment Application and send it by email or fax. The application requires agency production and loss information; the appointment form specifically calls for current production reports showing premium volume and loss ratios for the past three years and a current E&O declarations page, with agency/producer licensing and EFT banking information required upon approval. Broker/producer notes: AIC emphasizes local insurance professional distribution, indicates representation through 1,500+ agency locations, provides marketing/sales contact information, and highlights online access to policy, billing, and certificate of insurance services via MyAICPolicy.com. Operationally, treat AIC as a regional appointed-agent commercial auto market with public evidence of broad vehicle-type capability but limited publicly disclosed underwriting restrictions.