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
Publicly available, carrier-specific underwriting or appetite guides for Agency Insurance Company (AIC) are not posted on its website as of March 24, 2026. Operational guidance below is therefore limited to what can be inferred from the official site and should be supplemented with AIC’s proprietary manuals accessed via agent login or marketing reps. PREFERRED / TARGET BUSINESS - Lines written: Personal auto, commercial auto, and motorcycle/off‑road vehicle insurance. - Vehicle types specifically highlighted: personal autos (cars, vans, pickups, light trucks), a broad range of commercial vehicles (step vans, dump trucks, box trucks, tow trucks, flatbeds, bucket trucks, utility and transport trailers, and similar commercial autos), and recreational units (motorcycles, ATVs, scooters, mopeds, Segways, golf carts, snowmobiles, and other off‑road vehicles). ([agencyinsurancecompany.com](https://www.agencyinsurancecompany.com/?utm_source=openai)) - Distribution: business written exclusively through independent insurance professionals; direct-to-consumer placement not supported. ([agencyinsurancecompany.com](https://www.agencyinsurancecompany.com/how-to-become-an-agent/?utm_source=openai)) - Geography: currently writes in Maryland, Pennsylvania, Tennessee, and Virginia only. New submissions should be assumed ineligible outside these four states unless confirmed otherwise. ([agencyinsurancecompany.com](https://www.agencyinsurancecompany.com/?utm_source=openai)) RESTRICTED / DECLINED CLASSES (INFERRED) Because AIC does not publish its detailed underwriting manual, specific prohibited classes are not listed publicly. Agents should assume: - Only auto-related risks are eligible: no homeowners, general liability, or non-auto property placements. - Risks outside MD/PA/TN/VA or vehicles principally garaged elsewhere are out of appetite. - Non‑standard, severely distressed, or specialty exposures (e.g., long-haul trucking outside filed programs, exotic vehicles, or heavily modified high-performance units) must be confirmed with underwriting or declined if not supported by AIC rate filings. Obtain definitive guidance from the internal manuals or an AIC underwriter before binding complex commercial auto or unusual recreational vehicle risks. GEOGRAPHIC NOTES - AIC originated as a Maryland auto carrier and remains focused on MD plus PA, TN, and VA via independent agents. ([myaicpolicy.com](https://www.myaicpolicy.com/?utm_source=openai)) - No indications on the public site of any sub‑state coastal, urban, or territory-based restrictions beyond what is filed with each state; agents should follow filed territory rules and confirm any high‑risk ZIP or county restrictions directly with underwriting. SUBMISSION / APPOINTMENT REQUIREMENTS - AIC only conducts business through insurance professionals. Any new agency must be appointed before issuing business. - Appointment process: agents must complete an "Appointment Application" that requires agency production and loss information, then submit the form by mail or fax to AIC at the address provided on the application. ([agencyinsurancecompany.com](https://www.agencyinsurancecompany.com/how-to-become-an-agent/?utm_source=openai)) - Policy servicing (billing, claims, etc.) is handled through the MyAICPolicy.com portal; insureds are directed there for payments, ID cards, and policy information. Agents should make sure clients are registered on this portal for self‑service and claims support. ([myaicpolicy.com](https://www.myaicpolicy.com/?utm_source=openai)) BROKER / PRODUCER NOTES - Distribution model is traditional independent-agency only; no indication of access via wholesalers or MGAs on the public site. - Producers should: - Use AIC’s internal agent portal (via "Agent Login") for rating, underwriting rules, and forms once appointed. - Maintain accurate production and loss history to satisfy AIC’s appointment and ongoing performance expectations. - Direct policyholders to MyAICPolicy.com for billing, ID cards, and claims status while remaining the primary advisor for coverage, changes, and re‑marketing. Because AIC’s detailed underwriting guide is not published, always defer to: 1) The agent/producer manual available after login, and 2) Direct instructions from your AIC marketing rep or underwriter for class eligibility, driver guidelines, tiering, and surcharge/discount rules.