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
Verified current official presence is AssuranceAmerica, the parent-facing brand for InsureMax. Publicly available producer guidance is limited, but the carrier’s official agent page positions the program around non-standard and minimum-limits business, with products including personal auto, commercial auto, and renters. Preferred personal lines appear to be price-sensitive/non-standard personal auto customers seeking minimum-limits through broader coverage options, including SR-22 where offered by state, plus renters as an add-on or standalone opportunity. Commercial auto appetite is presented for small business owners and artisan/contractor-type risks; examples specifically referenced include contractors, painters, landscapers, and similar trades, with marketing language stating eligibility for over 1,000 occupations, up to 9 vehicles, employees as drivers including foreign drivers, and vehicles such as pickups and sprinters up to 16 GVW. Geographic footprint publicly shown for auto is AL, AZ, FL, GA, IN, NE, OH, OK, PA, SC, TN, TX, and VA; brokers should treat this as the visible active quote footprint and confirm state/product availability before submission. Restricted/declined guidance is not published in a formal public appetite guide, but public FAQs clearly note personal auto typically will not cover business use and specifically call out delivery/for-hire type use such as food, newspaper, or other delivery services; this indicates rideshare/delivery exposure should be screened carefully and may require different placement. Submission expectations are oriented to a fast digital process: the company advertises quote turnaround in about 90 seconds, same-day coverage potential, online quote/start options, and an agent-facing platform. Producer notes: the official agent program emphasizes an easy-to-use quoting platform, marketing collateral, and AgentExpo events; agency support contact is salessupport@aainsco.com, and the agent login portal is available for appointed partners. No formal public underwriting manual, class-by-class decline list, loss-history threshold, or documentation checklist was verified on the official site, so operational underwriting should be confirmed through the agent portal or agency support for binding rules and state-specific restrictions.