Welcome to the Alabama Insurance Underwriting Association   

Our mission is to provide a market for owners of eligible property
located in coastal areas of Baldwin and Mobile counties to obtain essential insurance when they are unable to obtain coverage in the private insurance market. AIUA has successfully and efficiently served this mission for more than 40 years.

AIUA will be closing at noon today.
Have a Happy Memorial Day Weekend. 

Due to circumstances regarding COVID-19, AIUA will provide a 30 day grace period for renewal premium payments.  AIUA will monitor this situation and notify all authorized producers when the decision has been made to end the 30 day grace period.

AIUA will also begin temporarily accepting “on demand” credit card payments for any type of money due.  If your insured wishes to make a payment by credit card please collect the following information and email to amber@aiua.org.

a.       Insured name and policy number

b.      Who is requesting the invoice (agent’s name/insured) & phone number

c.       Premium $ amount and “what” they are wanting to pay (i.e. Renewal – include deductible choice if applicable, New Business, Endorsement, Premium Deficiency)

d.      Email address to send invoice 

*Due to limited staffing availability, we are unable to process credit card payments over the phone. 

AIUA will temporarily waive the processing fees that would normally be associated with the use of a credit card.  Again, AIUA will monitor this situation and notify all authorized producers when the decision has been made to rescind the waiver of fees.

AIUA appreciates your patience and support during this time. 


Due to Covid-19 isolation considerations, effective immediately, access to the Baldwin Mutual building (and subsequently to AIUA offices) is restricted from public access. In addition to the existing U.S. postal mail option already in place, arrangements have been made for payments to be submitted at the Baldwin Mutual drop-off box located near the main building entrance at 315 E. Laurel Ave, Foley. 

Normal building access will be resumed when conditions related to Covid-19 warrant.

 AIUA customer service can be accessed as normal at cs@aiua.org or 251-943-4029 if you have any questions.  


New Agency Application

Click here for the AIUA New Agency Application. The requirements listed therein must be satisfied in order to become an AIUA approved agency/producer. AIUA will not conduct business with any agencies/producers located in the states of Florida or Mississippi.

All payments must be made in full prior to coverage being bound. We accept check or money order as form of payment. Checks should be made payable to AIUA (or Alabama Insurance Underwriting Association) and drawn from a U.S. bank. Credit/Debit cards and cash payments are not accepted at this time. We apologize for any inconvenience; please continue to check back for updates to our payment methods.