American Southern Insurance Company
American Southern Insurance Company, founded in 1937 and headquartered in Atlanta, provides commercial auto and related liability coverages to commercial, government, and trucking customers nationwide, distributed via Managing General Agents, retail agents, and wholesale brokers. A wholly-owned subsidiary of Atlantic American Corporation (NASDAQ: AAME), it holds an AM Best A (Excellent) rating.
- Company typePublic
- Founded1937
- HeadquartersAtlanta, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What American Southern Insurance Company does
American Southern Insurance Company is a US commercial property and casualty insurance carrier headquartered in Atlanta, Georgia, operating continuously since 1937. The company specializes in commercial automobile insurance, offering nine core coverage lines: Auto Liability, Auto Physical Damage, Motor Truck Cargo, Government Entity Auto Liability, General Liability, Business Personal Property, Program Specific Coverages, Non-Truck Liability, and Surety Bonds. Through its wholly-owned subsidiary American Safety Insurance Company (a surplus lines carrier incorporated in 1988), the group writes both admitted and non-admitted specialty business.
The company serves commercial entities of all sizes across industries, with named client categories including school systems and utility companies, and pursues specialized and unique books of business in commercial transportation. All business is written through intermediary channels consisting of Managing General Agents, retail agents, and wholesale brokers — there is no direct-to-consumer or digital underwriting motion visible in the source material. 24/7 claims reporting is offered via a dedicated 800 line, with dedicated claims personnel for trucking and general commercial claims. The company carries an AM Best Financial Strength Rating of A (Excellent) with a stable outlook, affirmed in March 2025.
American Southern Insurance is a wholly-owned subsidiary of Atlantic American Corporation (NASDAQ: AAME), a small-cap holding company led historically by J. Mack Robinson that also owns Bankers Fidelity Life Insurance Group. Distribution is regional, with offices in Atlanta (HQ) and Columbia, South Carolina, plus a Topeka, KS legal domicile; markets served include Georgia, South Carolina, and Kansas. The revenue model is subscription-recurring insurance premiums underwritten through program-specific channels, with pricing determined case-by-case through underwriting based on volume, prior loss experience, and exposure. No proprietary technology, AI/ML capabilities, or digital underwriting platform is disclosed.
American Southern Insurance Company firmographics
Firmographics- Name
- American Southern Insurance Company
- Legal name
- American Southern Insurance Company
- Website
- https://amsou.com
- Company type
- Public
- Founded year
- 1937
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- American Southern Insurance Company, founded in 1937 and headquartered in Atlanta, provides commercial auto and related liability coverages to commercial, government, and trucking customers nationwide, distributed via Managing General Agents, retail agents, and wholesale brokers. A wholly-owned subsidiary of Atlantic American Corporation (NASDAQ: AAME), it holds an AM Best A (Excellent) rating.
- Ownership category
- akta.pro rank
American Southern Insurance Company industry classification
Industry- Product category
- Commercial Auto Insurance
- NAICS
- Direct Property and Casualty Insurance Carriers (524126)
- SIC
- Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Fleet & Commercial Auto Liability (FSAJABAA)
- akta.pro secondary industries
- Commercial Auto & Fleet Insurance (FSAJAMAB), Commercial Property Insurance (FSAJACAE), Commercial Auto & Fleet Liability Insurance (Primary) (TLABANAA)
Keywords
Where American Southern Insurance Company is headquartered
LocationHeadquarters
- HQ city
- Atlanta
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
American Southern Insurance Company business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Commercial Insurance Premiums: American Southern Insurance generates revenue through commercial insurance policy premiums. Since 1937, the company has provided commercial auto insurance to companies of all sizes, including school systems and utility companies. Coverage types include Auto Liability, Auto Physical Damage, Motor Truck Cargo, Government Entity Auto Liability, General Liability, Business Personal Property, Program Specific Coverages, Non-Truck Liability, and Surety Bonds.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Quote-based commercial insurance pricing |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
American Southern Insurance Company product offering
Product offeringCore offering
American Southern Insurance Company underwrites and services commercial insurance policies with a primary focus on commercial auto coverage. Its portfolio spans Auto Liability, Auto Physical Damage, Motor Truck Cargo, Government Entity Auto Liability, General Liability, Business Personal Property, Program Specific Coverages, Non-Truck Liability, and Surety Bonds. Products are sold to commercial entities of all sizes across industries and are distributed exclusively through Managing General Agents, retail agents, and wholesale brokers.
Product overview
American Southern Insurance Company offers a portfolio of commercial insurance products focused primarily on commercial automobile coverage. The company provides nine core coverage types including Auto Liability, Auto Physical Damage, Motor Truck Cargo, Government Entity Auto Liability, General Liability, Business Personal Property, Program Specific Coverages, Non-Truck Liability, and Surety Bonds. These products are distributed through Managing General Agents, retail agents, and wholesalers, serving companies ranging from school systems to utility companies. The company specializes in commercial auto insurance and related lines, with coverage available for specialized and unique books of business.
Differentiator
Problem solved
Functional benefit
Products and services
- Auto Liability
Companies that use American Southern Insurance Company
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles3 records
American Southern Insurance Company technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
American Southern Insurance Company partnerships and signals
Strategic signalScale indicators3 records
Recent moves5 records
Expansion highlights5 records
American Southern Insurance Company competitors and assessment
Company assessmentBroad incumbents
- Travelers: One of the largest US commercial property & casualty carriers offering commercial auto and umbrella coverages. Overlaps American Southern in commercial auto and government-entity risk, though Travelers is dramatically larger and broader in scope.
- The Hartford: Large commercial insurer with a strong small/mid-market commercial book including commercial auto liability and physical damage. Comparable distribution via independent agents; broader portfolio than American Southern.
- Nationwide Mutual Insurance Company: Major US mutual insurer writing commercial auto and fleet coverage through agents. Comparable target segments (small/mid-market commercial customers) with much broader geographic and product reach.
- Liberty Mutual Insurance: Major US commercial P&C carrier with significant commercial auto and fleet offerings, sold through agents and direct. Competes with American Southern on commercial auto at the larger end of the market.
- Zurich North America: Global commercial P&C carrier with strong US commercial auto and specialty lines (especially government/public-entity and trucking). Comparable in the government-entity and program-specific segments where American Southern also focuses.
- Chubb: Global commercial P&C carrier with mid-market and large-account commercial auto offerings. Competes with American Southern for larger commercial fleet accounts though typically at higher premium tiers.
Direct peers
- Progressive Commercial: Progressive's commercial division is the largest direct writer of commercial auto and fleet insurance in the US, competing head-to-head with American Southern in commercial auto liability, physical damage, and trucking. Comparable product breadth and target customer base (businesses operating vehicles).
- Northland Insurance Company: Travelers-owned specialty commercial trucking and fleet insurer (formerly Northland/Cascade) — directly comparable in trucking and commercial-auto underwriting niche with broad program-based distribution.
- Canal Insurance Company: Specialty commercial auto writer focused on fleet, trucking, and public-sector risks distributed through agents. Closely comparable niche orientation and program-based book of business to American Southern.
- Great West Casualty Company: Specialty commercial truck insurer providing trucking-fleet liability, physical damage, and motor truck cargo coverage — a direct product-line overlap with American Southern's core trucking portfolio including Motor Truck Cargo and Non-Truck Liability.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
American Southern Insurance Company compliance and trust
Trust signalCompliance2 records
American Southern Insurance Company financial estimates
Financial estimateRevenue estimate
Valuation estimate
American Southern Insurance Company leadership team
Management profileNumber of profiles
Profiles7 records
American Southern Insurance Company subsidiaries and ownership
Company hierarchySubsidiaries1 record
American Southern Insurance Company funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
American Southern Insurance Company M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about American Southern Insurance Company
What does American Southern Insurance Company do?
American Southern Insurance Company underwrites and services commercial insurance policies with a primary focus on commercial auto coverage. Its portfolio spans Auto Liability, Auto Physical Damage, Motor Truck Cargo, Government Entity Auto Liability, General Liability, Business Personal Property, Program Specific Coverages, Non-Truck Liability, and Surety Bonds. Products are sold to commercial entities of all sizes across industries and are distributed exclusively through Managing General Agents, retail agents, and wholesale brokers.
Is American Southern Insurance Company a public or private company?
American Southern Insurance Company is a public company. It is classified as corporate owned and is currently operating.
When was American Southern Insurance Company founded?
American Southern Insurance Company was founded in 1937. It employs 1 to 10 people.
Where is American Southern Insurance Company based?
American Southern Insurance Company is headquartered in Atlanta, United States, in the North America region.
How does American Southern Insurance Company make money?
One revenue line is on record: commercial Insurance Premiums.
Who are American Southern Insurance Company's main competitors?
Broad incumbents on record are Travelers, The Hartford, Nationwide Mutual Insurance Company, Liberty Mutual Insurance, Zurich North America and Chubb. Direct peers are Progressive Commercial, Northland Insurance Company, Canal Insurance Company and Great West Casualty Company.
Does American Southern Insurance Company have an API?
No public API is recorded for American Southern Insurance Company.
What industry is American Southern Insurance Company in?
American Southern Insurance Company's product category is Commercial Auto Insurance. Its primary akta.pro industry code is FSAJABAA, Fleet & Commercial Auto Liability, with a secondary code of FSAJAMAB, Commercial Auto & Fleet Insurance. Its NAICS code is 524126 and its SIC code is 6331.