Automobile Insurers Bureau

What Automobile Insurers Bureau does

Automobile Insurers Bureau (AIB) of Massachusetts is a private, membership-based service bureau founded in 1925 and headquartered in Boston. It serves insurance carriers licensed to write automobile insurance in Massachusetts, providing a centralized portfolio of industry services including rate support, rules and forms, actuarial services, regulatory filings, Vehicle Rating Group (VRG) and ISO Symbols, document management (DCD), the Assigned Claims Plan, industry manuals, and registries of approved auto body and glass repair shops. The organization is funded through member dues from licensed carriers and operates exclusively within the Massachusetts auto insurance market.

AIB's core technology stack is not publicly disclosed; the organization's value proposition rests on deep institutional knowledge of Massachusetts-specific insurance regulation, standardized forms and rate filings, and century-old relationships with state regulators. Its product portfolio is interconnected — rate filings, rules, forms, and the Assigned Claims Plan collectively form the regulatory backbone for member carriers offering private passenger and commercial auto insurance in the state. Recent operational activity (2026) consists of routine regulatory filings, including private passenger and commercial auto rate/rule/form filings, motorcycle advisory rate filings, and annual updates to the VRG and approved repair shop listings.

The business model is a subscription/membership dues structure with a sales-led, direct-to-member go-to-market approach. AIB does not disclose pricing, headcount trends, or revenue. It is governed as an industry service bureau with no parent company, no venture capital backing, and no documented M&A activity. Operating geographies are limited to a single U.S. state (Massachusetts), with no disclosed expansion plans.

Name

Automobile Insurers Bureau

Legal name

Automobile Insurers Bureau of Massachusetts

Website

https://aib.org

Company type

Private

Founded year

1925

Operating status

Operating

Headcount range

11–50 employees

Short description

Automobile Insurers Bureau is a private, membership-based service bureau founded in 1925 that provides rate support, actuarial services, standardized forms, and regulatory filings to insurance carriers licensed to write automobile insurance in Massachusetts.

Ownership category

akta.pro rank

Product category

Insurance Services

NAICS

Other Insurance Related Activities (52429), Insurance Carriers and Related Activities (524)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro industry

PRIMARYFSAJAMAA

Personal Auto Insurance

Financial & Insurance/Insurance — Motor, Property & Casualty/Motor Vehicle Liability Insurance

SECONDARYFSAJABAE

Hired & Non-Owned Auto

Financial & Insurance/Insurance — Motor, Property & Casualty/Commercial Auto & Fleet Insurance

Keywords

• Automobile insurance services
• Insurance rate filings
• Actuarial services
• Insurance service bureau
• Insurance forms and endorsements

Headquarters

HQ city

Boston

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations

Revenue model

1. Membership Dues: AIB is funded through membership dues from insurance carriers licensed to write automobile insurance in Massachusetts. Member carriers receive access to rate support, rules and forms, actuarial services, and regulatory information.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Automobile Insurers Bureau (AIB) is a membership-based service bureau that provides rate support, rules, forms, and actuarial services for private passenger and commercial automobile insurance in Massachusetts. It also manages the Assigned Claims Plan, the registered auto body and glass repair shop listings, VRG and ISO Symbols, and standardized policy forms and endorsements for member insurance carriers.

Product overview

The Automobile Insurers Bureau of Massachusetts operates as an industry service bureau providing a unified portfolio of interconnected insurance services since 1925. The offering consists of multiple integrated products: Personal Auto Policy & Ways to Save for Consumers provides consumer-facing policy management; Regulatory Information and Manuals deliver compliance guidance; Registered Auto Body & Glass Repair Shops and AIB VRG & ISO Symbols support industry operations; Forms & Endorsements provide standardized documentation; DCD handles document management; and the Assigned Claims Plan addresses coverage gaps. These services collectively serve insurance carriers licensed to write automobile insurance in Massachusetts, with AIB offering support for rates, rules, forms, and actuarial services for both private passenger and commercial auto insurance.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Auto Policy & Ways to Save for Consumers Auto insurance policy management and savings programs for individual consumers in Massachusetts, provided as part of AIB's industry service bureau offering.
• Regulatory Information Compliance and regulatory guidance services for automobile insurance carriers operating in Massachusetts.
• Registered Auto Body & Glass Repair Shops Directory and registration services for approved auto body and glass repair facilities in Massachusetts.
• Assigned Claims Plan Claims assignment service for drivers in Massachusetts unable to obtain automobile insurance through normal market channels.
• DCD (Document and Data Management) Document and data management services for Massachusetts insurance industry participants.
• AIB VRG & ISO Symbols Vehicle Rating Group (VRG) and Insurance Services Office (ISO) symbol identification services for underwriting purposes in Massachusetts auto insurance.
• Manuals Industry reference manuals and guidelines for automobile insurance operations in Massachusetts.
• Forms & Endorsements Standardized insurance forms and policy endorsements for Massachusetts auto insurance carriers.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves6 records

Expansion highlights1 record

Others

• Independent Insurance Agents & Brokers of America (Big 'I'): National association for independent insurance agents and brokers. Thematically adjacent to AIB's service-bureau posture; both serve the auto insurance value chain via membership-based support, though Big 'I' represents distribution rather than carriers.

Regional players

• Massachusetts Insurance Fraud Bureau (IFB): Massachusetts-specific insurance support organization that investigates auto insurance fraud. Adjacent to AIB's stated 'insurance fraud bureau services' reference, operating in the same state and customer universe.

Direct peers

• New Jersey Personal Auto Insurance Plan (NJPAIP): New Jersey's market-assigned personal auto insurance mechanism. Structurally similar to AIB's Assigned Claims Plan: a state-level bureau administering coverage for risks the voluntary market declines to write.
• New York Automobile Insurance Plan (NYAIP): A state-level assigned risk plan and service organization for auto insurance in New York. NYAIP performs an analogous role to AIB's Assigned Claims Plan and rate-filing functions, restricted to a single state's licensed carriers.
• National Council on Compensation Insurance (NCCI): NCCI is the service bureau for workers' compensation insurance — performing rating, forms, statistical, and regulatory-filing services analogous to AIB's auto insurance bureau role, but in the workers' comp line. Same bureau model, different insurance line.
• Verisk / Insurance Services Office (ISO): Verisk's ISO unit is the closest direct analogue — a national insurance service bureau providing statistical reporting, rating symbols, policy forms, and underwriting data to auto, property, and commercial insurers. AIB's VRG & ISO Symbols, Forms & Endorsements, and actuarial services mirror ISO's historical product set at a single-state level.
• California Automobile Assigned Risk Plan (CAARP): Operates California's assigned risk plan for personal and commercial auto. Comparable to AIB in that it is a state-bounded auto insurance service entity administering assignment and member carrier coordination.
• National Independent Statistical Service (NISS): NISS provides statistical reporting, ratemaking support, and actuarial services to property/casualty insurers — the actuarial and data-services peer to AIB's rate/actuarial support function, organized as a member-funded service entity.

Broad incumbents

• American Insurance Association (AIA): National P&C insurance trade association whose members include auto carriers. Comparable to AIB as an association-style support organization serving auto insurers, though broader in scope and non-regulatory.
• Property Casualty Insurers Association of America (PCI): PCI is a national trade association representing property/casualty insurers including auto. Compares to AIB as a broader industry-association counterpart supporting regulatory and operational coordination for member carriers.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/automobile-insurers-bureau

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 Automobile Insurers Bureau