Americas Insurance 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
Americas Insurance Company (NAIC 27898) historically wrote homeowners and dwelling property business concentrated in Louisiana, using a web-based platform with real-time binding authority for appointed agents. However, the company was placed into receivership in January 2022 and ordered into liquidation in June 2022 following severe losses from Hurricane Ida, and has been reported as out of business by regulators and third-party sources. Current FAQs and regulatory documents indicate that existing Louisiana homeowners policies were assumed by SafePoint and that AIC is no longer actively underwriting or renewing homeowners business. As of the most recent public information, there are no active producer, appetite, or underwriting-guideline pages available from the carrier, and no evidence that new policies are being written in any state. Operational guidance: - Preferred / target business: None – carrier is effectively in liquidation and not a market for new or renewal homeowners risks. - Restricted / declined classes: Treat all new business, renewals, and rewrites as declined; do not submit new risks or expect coverage placement through Americas Insurance Company. - Geographic notes: Historic book was heavily concentrated in Louisiana homeowners and dwelling policies, particularly around the New Orleans area, but that portfolio has been transferred/assumed and is being wound down under receivership. - Submission requirements: Do not submit business to this carrier; producers should instead follow instructions from the assuming carrier (e.g., SafePoint) or state guaranty association communications for any in-force or legacy claims handling. - Broker / producer instructions: Agents should treat AIC as non-marketable, advise insureds that the company is in liquidation/receivership, and place new or replacement coverage with alternative carriers. For existing legacy AIC policies or claims, follow state DOI, receivership, or guaranty association directions rather than any prior AIC underwriting platform or guidelines. Because the carrier is no longer operating as an active writer, there are no current, enforceable underwriting guidelines, risk appetite statements, or producer submission rules to maintain. Use alternative admitted or E&S homeowners markets for all new placements.