The Maryland Joint Insurance Association (MDJIA) 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. The JIA is not a State of Maryland agency.
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.