AE is a wholly-owned subsidiary of American European Group, Inc., which was formed in 1986 by a small group of investors to meet the insurance needs of residential and commercial policyholders in the states of New Jersey and New York.  Over the past decade, AE has expanded into Pennsylvania, Maryland, Massachusetts, New Hampshire and Rhode Island and now annually writes approximately 25,000 policies and $50 million in written premium through a network of 300 independent agents.

Policies are underwritten by AE Underwriters Agency, Inc., on behalf of Falls Lake National Insurance Company, rated A (Excellent), Stable Outlook, Financial Size IX by A.M. Best Company, Inc. and American European Insurance Company, Rutgers Casualty Insurance Company and Rutgers Enhanced Insurance Company, rated B (Fair), Stable Outlook, Financial Size VII by A.M. Best Company, Inc.

AE offers its agents and insureds a broad product line and risk appetite and specializes in numerous market segments such as habitational (apartments, condos and 1-4 family dwellings), commercial office buildings, mixed-use occupancy buildings, artisan contractors, retail stores, pharmacies, funeral homes and many other segments.

Become an Independent Insurance Agent with AE

AE welcomes the opportunity to meet with independent agents who share our Core Values of Accountability, Trust and Responsiveness.  We believe in a selective agency distribution strategy and have fewer agency appointments than most companies we compete against. This creates franchise value for our agency partners.  We offer competitive commissions and an attractive contingent profit commission arrangement.

We seek agents who target small to mid-size commercial accounts and have access to new business opportunities in our targeted segments to build a $250,000+ relationship with AE. For additional information on becoming an independent agent with AE, please contact our Marketing Department at