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AIC - Accident Insurance Company
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AIC - Accident Insurance Company
Contact Us
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Mono-line Workers Compensation Program

AIC Knows Workers Comp.

Accident Insurance Company (AIC) has built its reputation on reliable, responsive Workers’ Compensation coverage. Our Mono-line Workers Compensation Program is the cornerstone of our commercial offering, created for independent agents and brokers who need an efficient, flexible solution for clients. Through our Agent Connect portal you can rate, quote, issue, and service Workers’ Compensation accounts online—delivering one of the most user-friendly workflows in the business.

Ideal Accounts and Appetite

AIC targets small to mid-size employers across a broad range of industries. The program is designed for accounts with annual premiums typically starting at $1,000, and we consider higher-premium placements on a case-by-case basis. Target classes include:
  • Artisan contractors
  • Retail operations
  • Light manufacturing
  • Hospitality and service businesses
  • Healthcare and clinics
We also consider new ventures and are open to underwriting unique or emerging classes when provided appropriate documentation.

Example fits: a new plumbing contractor with two employees, or a growing bakery with ten staff—both are the type of accounts our underwriting team is prepared to review under this mono-line Workers’ Compensation appetite.

Coverage Highlights and Advantages

  • Mono-line Workers’ Compensation policy—no bundling required
  • Individual account underwriting to tailor solutions
  • New ventures accepted with supporting documentation
  • Multiple flexible payment options
  • Minimum premium guidance: $1,000 for non-contractors, $1,500 for contractors
  • We can consider accounts with larger premiums on referral—talk to underwriting for thresholds
Our underwriters work with agents to craft the policy structure that best fits each client’s exposures.

Underwriting Notes and Minimum Premiums

We underwrite accounts on an individualized basis to remain flexible while practicing sound risk selection. Minimum premiums are:
  • $1,000 for non-contractor classes
  • $1,500 for contractor classes
You do not need to place any other line of business with AIC to access this program.

Territories and Availability

The Mono-line Workers Compensation Program is currently available in the following states:
AL, AZ, AR, GA, IL, IN, LA, MS, MO, NV, OK, SC
Refer to our State Availability page to confirm eligibility for a specific client location.

Why Work With AIC?

AIC is a carrier with deep Workers’ Compensation expertise—WC represents a majority of our book of business. We write in multiple states and have grown by offering a streamlined service model that supports independent agents. With Agent Connect you get fast, accurate quoting and a smooth policy lifecycle from submission to renewal.

Partnering with AIC means access to an underwriting team that understands the nuances of Workers’ Compensation and is committed to practical, timely decisions. Let us help you place mono-line Workers’ Compensation business efficiently—try AIC today.

Frequently Asked Questions

What types of accounts are a good fit for AIC’s Mono-line Workers Compensation Program?

We target small to mid-size employers across many industries, including contractors, retail, hospitality, healthcare, and light manufacturing.

Does AIC accept new business ventures?

Yes — new ventures are considered when you provide clear documentation and underwriting information to assess operations and payroll projections.

Is this program available nationwide?

Not currently. The program is available in AL, AZ, AR, GA, IL, IN, LA, MS, MO, NV, OK, and SC. Availability may expand; check our State Availability page for updates.

What is the minimum premium required?

Minimum premiums start at $1,000 for non-contractor classes and $1,500 for contractor classes. For mid- to larger-premium accounts, consult underwriting for eligibility and thresholds.

Can I write just Workers’ Compensation with AIC?

Yes. This is a mono-line program, so you may place Workers’ Compensation without bundling other lines.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Carrier
  • Admitted:
    No States
  • Carriers:
  • Carrier Ratings:
    Varies
  • Commission:
    Competitive
  • Min Premium:
    Varies

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