| In the United States, standard line insurance companies are "mainstream" insurers. These are the companies that typically insure autos, homes or businesses. They use pattern or "cookie-cutter" policies without variation from one person to the next. They usually have lower premiums than excess lines and can sell directly to individuals. They are regulated by state laws that can restrict the amount they can charge for insurance policies. Excess line insurance companies (aka Excess and Surplus) typically insure risks not covered by the standard lines market. They are broadly referred as being all insurance placed with non-admitted insurers. Non-admitted insurers are not licensed in the states where the risks are located. These companies have more flexibility and can react faster than standard insurance companies because they are not required to file rates and forms as the "admitted" carriers do. However, they still have substantial regulatory requirements placed upon them. State laws generally require insurance placed with surplus line agents and brokers not to be available through standard licensed insurers. |
 | A. Central Insurance Company Offers automobile insurance within New York state. Calculators and tools, an agent locator and consumer information. Part of the Central Services Group. |
 | A.I.M Mutual Insurance Companies A.I.M. Mutual Insurance Companies values the opportunity to provide employers with the workers compensation services they expect and deserve. |
 | AAA Auto Club South Auto Club South is proud to serve AAA Members and residents of Florida, Georgia, Middle & West Tennessee, and Puerto Rico. |
 | AAA Mid-Atlantic, Inc. AAA Mid-Atlantic serves members in Delaware, Maryland, Washington, DC and parts of Virginia, Pennsylvania and New Jersey. |
 | ACA Financial Guaranty Corporation Founded in 1997, ACA Financial Guaranty Corporation is a monoline bond insurance company licensed in 50 states and 5 territories and regulated by the Maryland Insurance Administration. |
 | Academic Group Academic Group - A Member-Owned Medical Faculty Liability Insurance Network |
 | Acadia Insurance Company Acadia Insurance Company was founded in 1992 in response to the Maine Workers’ Compensation crisis. Today, Acadia is a major employer in the Northeast with six branches and 400 insurance professionals, recognized by many as the best in the industry. |
 | Access America Provides a combination of travel insurance and 24-hour emergency assistance services. Services available at home or abroad. A division of World Access Service Corporation. |
 | Access Insurance Company Founded in 1994 and headquartered in Atlanta, Georgia, Access Insurance Company, a subsidiary of Access Insurance Holdings, Inc., specializes in providing specialty, private passenger auto insurance. |
 | Accident Fund Workers Compensation Insurance and Third Party Administration |
 | Accredited Surety & Casualty Company, Inc. Specializes in underwriting bail bonds and surety bonds. |
 | Ace Limited Provides property and casualty insurance coverages. Information presentation is tailored for the broker, consultant, executive, investor, media, and risk management. (NYSE: ACL). |
 | ACE USA ACE USA, the U.S.-based retail operating division of the ACE Group, offers more than 170 sophisticated property, casualty, risk-management, and accident and health insurance products and services through retail brokers. With offices in 18 U.S. cities, ACE USA is able to meet the insurance needs of corporate clients of all sizes. |
 | ACE Westchester Specialty Group Focuses on the distribution of excess and surplus and specialty property and casualty products. Subsidiary of ACE INA Holding, Inc. |
 | ACSTAR Insurance Company With a well-known reputation for delivering the "best service anywhere," ACSTAR provides bonding nationwide for your contract and commercial surety needs in the standard and specialty marketplace. |
