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Taking the program market to new heights. 

E&S Carrier and Accredited Reinsurer.


Who We Are

Powerful Risk Management, Collaborative Risk-Sharing

ASIC AM Best Rating

AM Specialty Insurance Company (ASIC) is an Arizona domiciled domestic Excess and Surplus Insurance Company and an Accredited Reinsurer. ASIC has been assigned a Financial Strength Rating of A- (Excellent) and a Long-Term Issuer Credit Rating of "a-" (Excellent) by AM Best. ASIC's business model is unique; allowing for collaborative risk-sharing and access to customized reinsurance capacity for its partners. ASIC works in tandem with program administrators, brokers, and underwriters to streamline program market processes and optimize value chain efficiencies all the way to the insured.


ASIC utilizes a multi-disciplinary underwriting approach to write various specialty lines such as commercial and niche property, casualty, transportation, ocean and inland marine, cyber, and miscellaneous specialty lines as a non-admitted carrier, which caters to the primary program insurance business segment in the United States domestic market. 


At ASIC, we pride ourselves on our technical underwriting expertise, proven in-house analytics, proprietary software, and robust claims oversight capabilities. Our leadership team has immeasurable experience and an accomplished track record in the space, which allows us to solve challenges proactively with comprehensive solutions.

Our Focus

Getting to the summit together

ASIC caters to the primary program insurance business segment of the U.S. domestic market. We focus on primary domestic insurance business in the Commercial Specialty class. This business is written by third-party program administrators, tends to be written with a very low limit utilization (usually with a combined single limit between $1m- $2m), and is well geographically spread and non-NAT CAT exposed.


ASIC trades exclusively in lines of business with no legacy loss exposure. As a non admitted carrier, we can be flexible with coverage and evaluate firms on their individual merit (not just historical performance). At ASIC, our underwriters are empowered to utilize their own experience and expertise to make decisions. We trust our underwriting capabilities, which leads to optimal pricing and appropriate coverage.

ASIC Who We Are

Specialty Segments

Selected Insurance Lines

Luxurious Home

Commercial & Niche Property

  • Building

  • Business Personal Property

  • Business Interruption

  • Average Limits of $1M or less

  • Geographic Spread

  • Minimal Cat Exposure by Program

  • Typical 12-Month Policy Term


  • Commercial Package

  • Monoline

  • Average General Liability Limits of $1M / $2M

  • Light to Moderate Exposures

  • Good Use Deductibles/Restricted Wording

  • Typical 12-Month Policy Term

Miscellaneous Special Lines

  • Guidelines Vary Based on Line

  • Must Provide a Complementary Progression to the Book

  • Avoidance of Peak Values

  • Limited Exposure

  • Well-Spread Risks




  • Average Liability Limits of $1M

  • APD Maximum Limits of $250K

  • MTC Maximum Limits of $250K

  • Local Radius Exposure

  • High Degree of Front/Rear Cameras Usage

  • Typical 12-month Policy Term

Ocean and Inland Marine

  • Miscellaneous Classes

  • Average Liability Limits of $500K or Less

  • Average P&I Limits of $1M

  • Geographic Spread

  • Minimal Cat Exposure

  • Established Hurricane Procedures

  • Typical 12-Month Policy Term


  • Average Limits of $3M to $5M

  • Revenue Size <$250M

  • Industry-Leading Cybersecurity Posture

  • Sub-Limits of Ransomware, Crime

  • Typical 12-Month Policy Term

Contact Us

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