The Alabama Property and Casualty Adjusters Association (APCAA) intend to prevent any violation of antitrust laws at all their meetings and conferences.

Members and guests at APCAA functions must remember that their respective firms are competitors in the marketplace and that the McCarran-Ferguson Act and the laws of some states provide the insurance industry with only very limited immunity from federal and state antitrust scrutiny. Therefore, those in attendance must exercise care during all presentations and discussions, since even innocuous discussions of certain topics might later be misinterpreted as evidence of collusion.

At all educational, social, and business events connected with these meetings, there should be no discussion or agreement, formal or informal, expressed or implied, as to any matters which might give rise to an allegation of violation of antitrust laws.

Discussions of competitive information are prohibited.

For purposes of this policy, "competitive information" includes, but is not limited to, information concerning:

• raising, lowering, or stabilizing rates;
• actual current or future rates, including actuarial projections;
• what is a "fair" profit level;
• credit terms and other price-related or ancillary terms;
• individual company results, or current or future marketing or pricing strategies or business plans;
• allocation of markets, territories, or potential insureds;
• the concerted refusal to deal with a customer, supplier, competitor; or to provide an insurance product or service;
• decisions to quote or not to quote on certain types or classes of risks; and
• any other matters on which insurers ordinarily compete with each other.


APCAA works to uphold and strengthen the ethical standards and practices of the property and casualty adjuster profession in the State of Alabama. The future of this profession depends on solid character, integrity, work ethic, and the desire to serve and help others. APCAA is dedicated to support and promote its members in these areas. APCAA has applied for 501 (c) 6 tax exempt status with the Internal Revenue Service.