InsureMax
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
Official producer-facing guidance appears on AssuranceAmerica’s agent/partner pages rather than a detailed public appetite guide. Current published positioning is a non-standard, minimum-limits-focused carrier for hard-to-place and underserved customers, with partner agents able to offer commercial auto and renters alongside personal auto. Commercial auto is marketed for small business vehicles used in work operations, including cars, trucks, and vans, and examples of target trades include contractors, painters, landscapers, and similar service businesses; the site states coverage is available for over 1,000 occupations and can extend to employees driving company-owned vehicles, with hired/non-owned auto available in some cases. Publicly available materials do not provide a formal list of declined or restricted classes, vehicle types, driver criteria, or underwriting disqualifiers, so no verified class-level decline list could be confirmed from official sources. Geographic notes: the producer page says AssuranceAmerica currently offers non-standard auto and related products in Alabama, Arizona, Florida, Georgia, Indiana, Nebraska, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, and Virginia, while the policy-contract page confirms InsureMax-branded program and renters forms in multiple states; for InsureMax specifically, public form availability confirms program/renters presence at least in Arizona, Florida, Georgia, Illinois, Indiana, Nebraska, Oklahoma, South Carolina, Texas, Virginia, and Wisconsin, but product availability should still be confirmed by state in the quoting platform. Submission/producer requirements: producer onboarding is via the online new-agent application asking for agency contact details, office ZIP, and products of interest; approved agents receive access to the quoting platform, marketing collateral, a dedicated Territory Sales Manager, and Sales Support. Operationally, this reads as a retail/independent-agent distribution model with quotes expected through the carrier platform rather than email submission. Notable broker/producer instructions: the legacy BecomeAgent URL redirects to the current /agents page; partner support contact published is 1-800-450-7857, fax 1-877-952-0258, Monday-Friday 8:00 a.m.-7:00 p.m. ET. Overall refresh: verified current public guidance supports InsureMax within AssuranceAmerica’s non-standard distribution framework, but no official public underwriting/appetite bulletin with specific preferred/declined classes was found.