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.

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. 

Your patience and consideration of these circumstances is appreciated.


AIUA is temporarily accepting “on demand” credit card payments for any type of money due.  PLEASE NOTE: Credit Card processor fees of ~3% will be applied to all invoices. 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, policy number, & phone number

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

c.  Email address to send invoice link for payment


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.