Maryland Joint Insurance Association

Welcome to the Maryland Joint Insurance Association Website. We hope you will find these pages helpful.

The Maryland Joint Insurance Association (JIA) originally was formed in response to the requirements of the federal legislation called "Fair Access to Insurance Requirements".  It is composed of all licensed property insurance carriers in the State of Maryland .  Although the federal legislation is no longer in effect, Maryland statutes provide the basis for the continuing operations of the JIA.  However, the JIA is not a state agency nor do any of its operating funds come from the state or any form of taxation; financial resources come from earnings generated from the sale of insurance polices and ultimately the financial resources of the member carriers.

For those individuals and businesses who are unable to obtain essential property insurance on dwellings, business property or Homeowners through the competitive property/casualty insurance marketplace, the JIA can provide insurance coverage on properties located only within the State of Maryland .  Every applicant is encouraged to seek coverage in the normal marketplace and then to apply for coverage with the JIA through licensed property/casualty insurance Producers.  However any applicant may apply directly to the JIA for coverage.

The Joint Insurance Association does not have a rating by any financial rating organization, such as A.M. Best Company, due to our being a F.A.I.R. Plan. The law requires that all insurers licensed to write property insurance in the State of Maryland become a member of the Association.

Each member of the Association shall participate in the expenses, profits and losses of the Association in the proportion that its premiums written bear to the aggregate premiums written by all members of the Association. The Governing Committee of the Association has the authority to assess the membership when such action is deemed necessary

Questions about the Joint Insurance Association can be directed to .

Our Consumer Information Sheet as well as Applications and additional information regarding coverages are available on our Forms Page.


Important Notice for our Commercial Insureds-

Please review the Notice relating to the POTENTIAL implementation of changes related to coverage of terrorism under the Commercial Fire Policies issued by the Association.


The Joint Insurance Association's new address is:
3290 N Ridge Road, Suite 210
Ellicott City, MD 21043.



Maryland Joint Insurance Association , 3290 N Ridge Road, Suite 210, Ellicott City, MD 21043 Telephone 410-539-6808 or 1-800-492-5670 FAX 410-244-7268 Send mail to with questions or comments about this web site. Copyright  (c) 2013 Maryland Joint Insurance Association