Become an A-O Agency

We work with independent agents, because nobody does it better.

Providing outstanding service and knowledgeable representation nobody can do that better than an independent agent. For over 100 years, we have worked exclusively with independent agents to provide local, affordable and personal service in 26 states.


We are rated as one of the best insurance carriers for our compensation programs, relationship management, underwriting process, financial strength, responsive service and claims management


We operate in the following states: Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia, and Wisconsin.


To learn more about our sales, finances and assets, view our Annual Report.