American Insurance Agency

What American Insurance Agency does

American Insurance Agency is a privately held independent insurance agency founded in 1981 and headquartered in Huntsville, Alabama. The agency operates three branch offices in Huntsville, Decatur, and Montgomery, serving individual consumers, families, and small business owners across the state. As an independent agency, it represents multiple insurance carriers and matches each client to the carrier most appropriate for their risk profile, earning commissions on policies placed.

The agency's product portfolio spans a comprehensive range of personal lines (auto, homeowners, life, health, motorcycle, recreational vehicle, renters, watercraft/boat, flood, and windstorm) and commercial lines (commercial auto, general liability, workers compensation, and various bonds). Pricing is quote-based, tailored to individual risk profiles, with monthly payment options and paid-in-full discounts available. Distribution is sales-led through branch offices and phone/online quote forms, supported by digital marketing channels including an SEO-optimized website, email newsletter, Facebook, and a refer-a-friend program.

The technology stack is minimal: the agency runs on ITC's Insurance Website Builder with standard web analytics and SSL, with no proprietary platform, no API, and no disclosed AI capabilities. Revenue mechanics are based on commission income from carrier partnerships, with the featured carrier relationship including Assurance America. The business operates as a traditional local independent agency with no disclosed funding, parent company, M&A activity, or growth-oriented expansion signals in the available data.

Name

American Insurance Agency

Legal name

American Insurance Agency

Website

https://americaninsurance.net

Company type

Private

Founded year

1981

Operating status

Operating

Short description

American Insurance Agency is a privately held independent insurance agency founded in 1981, operating three branches across Alabama. It represents multiple insurance carriers to provide personal and commercial coverage to individual consumers, families, and small business owners, earning commissions on placed policies.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Personal Auto Insurance (FSAJAMAA)

akta.pro secondary industries

Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA), Hired & Non-Owned Auto (FSAJABAE)

Keywords

• Independent insurance agency
• Personal insurance coverage
• Commercial insurance broker
• Multi-carrier insurance agent
• Insurance quote services

Headquarters

HQ city

Huntsville

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Commission Revenue: As an independent insurance agency, American Insurance Agency earns commissions from multiple insurance carriers for policies placed on behalf of clients. The agency represents many different insurance companies and matches clients to the company appropriate to their needs.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

American Insurance Agency is an independent insurance agency that represents multiple insurance carriers to match individual clients and small businesses with appropriate coverage. The agency sells personal insurance (auto, homeowners, motorcycle, life, health, flood, renters, watercraft, windstorm, recreational vehicle) and commercial insurance (commercial auto, general liability, workers compensation) along with various bond products. It earns commissions from the carriers whose policies it places.

Product overview

American Insurance Agency is an independent insurance agency serving Alabama since 1981, offering a comprehensive portfolio of insurance products through multiple carrier relationships. The agency provides personal insurance products including Auto, Homeowners, Health, Life, Motorcycle, Recreational Vehicle, Renters, Watercraft & Boat, Flood, and Windstorm coverage. For commercial clients, the agency offers Commercial Auto, General Liability, and Workers Compensation Insurance. Additionally, the agency provides various Bond products (contract performance, bid, maintenance, payment, supply, license and permit, and miscellaneous bonds). All products are offered through an online quote form system accessible via the website, with in-person service available at three Alabama locations in Huntsville, Decatur, and Montgomery.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Insurance coverage for vehicles protecting against financial loss from accidents, theft, and damage, including liability, collision, comprehensive, and medical coverages. Targeted at individual vehicle owners in Alabama.
• Homeowners Insurance Package policy covering home damage and personal liability, protecting against disasters like fire, theft, and windstorm with additional living expense coverage. Targeted at Alabama homeowners.
• Life Insurance Coverage including term insurance for temporary needs and permanent insurance with lifelong protection and cash value accumulation. Targeted at individuals and families planning financial protection.
• Health Insurance Coverage for medical expenses including Fee-for-Service and Managed Care plans (HMOs, PPOs, POS), plus long-term care and disability insurance options. Targeted at individuals and families.
• Motorcycle Insurance Coverage for motorcycles protecting against accidents, theft, medical costs, and liability, with discounts for safety courses and multiple policies. Targeted at motorcycle owners.
• Recreational Vehicle Insurance Insurance for RVs and recreational vehicles including liability coverage, property coverage for physical damage, vandalism, theft, and collision. Targeted at RV owners.
• Renters Insurance Coverage for tenant belongings against fire, smoke, lightning, vandalism, theft, explosion, windstorm, and water damage, plus additional living expenses. Coverage amounts range from $10,000 to $240,000 in $10,000 increments. Targeted at renters.
• Watercraft & Boat Insurance Coverage for boats and personal watercraft including bodily injury, property damage, guest passenger liability, medical payments, and theft with liability limits starting at $15,000. Targeted at boat and personal watercraft owners.
• Flood Insurance Coverage for flood damage, which is not covered by standard homeowners insurance, available through the National Flood Insurance Program. Flood deductible options include $500, $1,000, $2,000, $3,000, $4,000, and $5,000. Targeted at property owners in flood-prone areas.
• Windstorm Insurance Additional coverage for damage caused by high wind events such as tornadoes, hurricanes, and cyclones, often available as a rider or separate policy. Targeted at property owners in wind-prone regions.
• Commercial Auto Insurance Insurance for business vehicles covering liability, collision, comprehensive, medical payments, and uninsured motorists coverage for vehicles used in business operations. Targeted at small business owners.
• General Liability Insurance Coverage protecting businesses from lawsuits or legal responsibility for bodily injury, property damage, and personal injury arising from business operations. Targeted at small business owners.
• Workers Compensation Insurance Insurance covering medical care and wage replacement for employees injured on the job, required in most states for employers. Targeted at small business owners with employees.
• Bonds Bond insurance covering contract performance bonds, bid bonds, maintenance bonds, payment bonds, supply bonds, license and permit bonds, and miscellaneous bonds for businesses. Targeted at businesses needing surety bonding.

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Multiple Insurance CarrierscoreChannel Partner/ Reseller/ DistributorAmerican Insurance Agency is an independent agency representing many different insurance companies. The agency matches each individual client to the company appropriate to their needs, representing a network of carrier partnerships. Featured carriers include Assurance America. The breadth of carrier relationships enables competitive quoting across the market.

Scale indicators1 record

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• Hub International: Major North American insurance brokerage built through acquisition of independent agencies; its multi-carrier, multi-line model and acquisition appetite make it a directly comparable scaled incumbent.
• Acrisure: Fast-growing insurance brokerage built by consolidating independent agencies nationally; relevant peer as it competes for the same producer and carrier relationships that AIA depends on.
• Brown & Brown, Inc. Large publicly traded insurance brokerage operating through independent agency subsidiaries, providing comparable personal and commercial products across many carriers; represents the natural scaled endpoint of the independent agency model.
• Higginbotham: Large Texas-based independent insurance brokerage offering personal and commercial coverage across multiple carriers; broader scope than AIA but the same independent-agency DNA, making it a relevant sized peer.

Direct peers

• Brightway Insurance: Florida-based independent insurance agency franchise network that, like AIA, sells personal and commercial insurance through multi-carrier representation across multiple physical locations; closest direct comparison in business model and product breadth.
• Goosehead Insurance: Independent insurance agency franchise focusing on personal lines (auto, home) and small commercial through carrier choice across many carriers; closely mirrors AIA's multi-carrier consumer-facing model with SEO-driven digital marketing.

Emerging players

• Foundation Risk Partners: Independent agency and brokerage consolidator acquiring regional multi-line agencies (personal and commercial); highly relevant as a potential roll-up acquirer or peer comparable for smaller independents seeking scale and exit options.
• The Liberty Company Insurance Brokers: Independent insurance brokerage covering personal and commercial lines across multiple carriers; comparable operating model and product mix to AIA, only at larger scale.

Regional players

• Burns & Wilcox: Specialty insurance wholesaler and brokerage offering personal and commercial lines through independent retail agents; relevant as a peer because retail independents like AIA are typical clients and the specialty expertise parallels AIA's bonds/less-common commercial lines offering.

Others

• AssureAmerica (Assurance America): Non-standard auto insurance carrier featured on AIA's website via Trustway Direct, indicating an active partnership; relevant as both a carrier partner and a counterparty whose product mix and underwriting criteria directly shape AIA's auto placement economics.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/American-Insurance-Agency-458864757580225

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about American Insurance Agency