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 public underwriting or appetite guide was found on AIC’s official sites; current public guidance is product- and producer-facing only. Verified public positioning shows AIC writes commercial auto through independent agents in Maryland, Pennsylvania, Tennessee, and Virginia. Commercial vehicle examples specifically listed include commercial autos, step vans, dump trucks, box trucks, tow trucks, flatbed trucks, bucket trucks, utility trailers, and transport trailers, indicating a small-to-mid-market vehicle focus rather than a broad multi-line commercial platform. Publicly listed commercial coverages include liability, physical damage, any auto, garage keepers, on-hook, motor truck cargo, trucker & towing GL, limits up to $1 million CSL, and federal/MCS-90 filings; coverages vary by state and program. Preferred business, based on the public product list, appears to be vehicle-centric risks needing mono-line commercial auto or trucking-related coverage in AIC’s four-state footprint, especially service and contractor-type trucks and towing exposures. No explicit declined or restricted classes were published publicly beyond the narrow product scope; risks outside commercial auto/vehicle programs, outside MD/PA/TN/VA, or requiring broader commercial package underwriting should be treated as outside confirmed appetite unless validated through agent channels. Submission access is agent-only: AIC states business is written exclusively through insurance professionals and directs prospects to contact an agent for quotes. For producer onboarding, AIC requires an appointment application and asks agencies to submit production and loss information; the application specifically requests agency profile details, commercial auto premium volume, largest commercial auto carriers, and commercial auto loss ratios. Required attachments for appointment are current production reports showing premium volume and loss ratios for the past three years plus a current E&O declarations page; upon approval, AIC additionally requires agency and producer licenses and EFT/direct-deposit banking information. Practical broker note: because no public appetite or class restriction grid was found, agents should confirm class acceptability, radius/use, driver criteria, filing needs, and state/program availability directly with AIC marketing/sales before marketing tougher risks.