What is the name of the only direct writing company?

• A. Avemco Insurance Company
• B. United States Aircraft Insurance Group
• C. Lloyd's of London
• D. HCC Aviation Insurance Group

Answer: (A)

Direct writing means the insurer sells and issues policies directly to customers without using independent agents or brokers. Avemco is known for marketing directly to pilots and aircraft owners, handling quotes, policy issuance, and claims without a broker channel. The other options operate through brokers or marketplaces (Lloyd’s functions as a brokered marketplace; the others use agents or brokers to sell and place policies). So Avemco is the only direct writing company among the choices.