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
InsureMax Insurance Company operates as part of the AssuranceAmerica group and is focused on nonstandard personal auto (“high‑risk” auto) in the U.S. rather than standard preferred personal lines or commercial lines. It is positioned as a market for drivers who have trouble getting coverage in the admitted preferred market, such as those with tickets, accidents, lapses in coverage, or other risk factors that make them ineligible or uncompetitive with standard carriers.([assuranceamerica.com](https://assuranceamerica.com/?utm_source=openai)) Preferred / target business: - Personal auto policies for higher‑risk drivers who may have prior violations, accidents, SR‑22 requirements, or coverage gaps, where many preferred carriers will not quote or are uncompetitive. - Business placed through independent agents contracted with AssuranceAmerica/InsureMax, often in states where AssuranceAmerica actively markets nonstandard auto products. Restricted or declined classes (inferred from nonstandard positioning and typical practice, as no formal public underwriting guide is published): - Not a market for standard or highly preferred risks that can be placed competitively with mainstream personal auto carriers. - No evidence of appetite for commercial auto, specialty commercial, homeowners, or other personal lines; those classes should be assumed out of appetite unless specifically indicated by your AssuranceAmerica marketing contact. Geographic notes: - InsureMax is a Nebraska‑domiciled property and casualty insurer and part of AssuranceAmerica Corp. group. It writes business in multiple states as a nonstandard auto carrier; specific state availability and program details are controlled via the AssuranceAmerica platform and state filings.([georgiacompanyregistry.com](https://www.georgiacompanyregistry.com/companies/insuremax-insurance-company/?utm_source=openai)) - Check the AssuranceAmerica agent portal or marketing bulletins for current state eligibility, as authority may vary by jurisdiction and program. Submission & producer/agent notes (from group structure and typical nonstandard-auto practice; no carrier‑published appetite PDF was found): - Business is submitted and serviced through the AssuranceAmerica distribution and technology platform; agents access InsureMax capacity via the AssuranceAmerica agent portal rather than a standalone InsureMax portal.([assuranceamerica.com](https://assuranceamerica.com/?utm_source=openai)) - Agents must be appointed/approved by AssuranceAmerica to bind or submit; licensing and appointment are validated through standard producer-licensing channels at the group level. - Expect typical nonstandard auto submission requirements: completed application, driver and vehicle details (VINs, garaging information), prior insurance history, Motor Vehicle Reports (MVRs) as requested by the portal, and any required SR‑22 filings where applicable. - For risk‑placement questions and edge‑case submissions, producers should contact their AssuranceAmerica marketing rep or underwriter, as detailed risk‑class eligibility is managed program‑by‑program and is not fully documented on public pages. Because InsureMax is branded and distributed under the broader AssuranceAmerica umbrella, treat AssuranceAmerica’s nonstandard personal auto appetite and procedures as controlling for InsureMax paper, and confirm any state‑ or program‑specific nuances directly with your underwriter or marketing contact.