Reviewed by:shitowalker

Chartis is a world leading property-casualty and general insurance organization serving more than 70 million clients around the world. With one of the industry’s most extensive ranges of products and services, deep claims expertise and excellent financial strength, Chartis enables its commercial and personal insurance clients alike to manage virtually any risk with confidence. For details about product offerings in your area, contact your local office.

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Life Insurance coverage designed for purchase without a medical exam offers advantages and disadvantage to the purchaser. While many policies are more consumer friendly than in the past, here are some things to consider before you apply.

Life Insurance that can be purchased without a medical exam offers many benefits to a healthy individual that needs coverage quickly, and without the time and effort normally associated with fully underwritten policies. These insurance carriers are looking for people who want the ease and anonymity of applying online or through the mail. They also can offer immediate coverage.

Although most policies underwritten in this way are for relatively low amounts, at least one carrier will consider up to $500,000 within certain age limits.

In addition, some carriers will accept credit cards, something most “regular” carriers do not accept for payment. Again, it is ease of purchase that makes this a tempting offer.

However, many of these benefits come with a cost. First and foremost, they are generally more expensive than fully underwritten coverage. While not always the case, especially at younger ages and among some smokers, people at older ages should compare both types of coverage and decide what is most appropriate in their circumstances.

Whatever type of policy you decide upon, remember that all policies have a two year period of contestability. This means any “material misrepresentation” of your health, lifestyle or driving record can invalidate your policy and leave your beneficiaries without the coverage you intended.

If you cannot answer the qualification questions appropriately, this type of coverage is not for you. It does not mean life insurance is unattainable, only that underwriting will be necessary in your situation. This is when an agent is indispensable to get the best value.

Source: Articles On Insurance

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The majority of people need long term care insurance because not everyone will afford the cost of the nursing home facility. Around 50% of Americans will require long term care insurance in their life time so it makes sense to ensure your care insurance includes/covers the following…

Variable Coverage. Get a long term care insurance policy that includes coverage for home health aids, assisted living facilities, adult day care providers and nursing homes so you’ll have the best choice of care.

Inflation protection. Ensure you get a long term care insurance policy that includes inflation protection because the cost of these nursing homes will be considerably more in 15 to 30 years time.

A minimum of 70% Daily Benefit. If you require care services, ensure you don’t pick the cheapest daily amount. Instead investigate what the average daily cost is of a nursing home in the area and request around 70% of that. Also ensure you adjust this annually to account for changes per year.

Independent Care Management. The long term care insurance company will send a representative to determine the benefits you need. It’s essential to make sure your long term care insurance policy enables you the option of having a licensed health care provider that is independent and not someone working for the long term care insurance company.

There you have it, some practical advice and things to look out for when purchasing long term care insurance. Please contact us if you’d like to add anything to this article! Thank you.

Source: Articles On Insurance

Shared by:aoibin

The following lines will demystify all about Health Care and how to get the insurance by getting a Free Quotation for the best plan that fits you without that feeling of taking a big load on your shoulders and easy to suit on a month’s budget for every family in USA. Health Care has become a precious asset in the contemporary life due to all of our harmful habits mostly forced by the inescapable unhealthy way-of-life. Therefore, health is a mandatory concept to overcome the obstacles nowadays and that’s what we most have to care for.

To understand how to get the best rates available to assure an extraordinary Health Care and get it unleashed despite whichever bad experience you have had on this sort of painful research you will be led to an easy and trustful online process which will doubtless clear your mind up to get your ready to make your best choice ever when it comes to look after yourself and your family.

Browsing around on the internet you may find many sites where you can get a Free Insurance Quotation whose provider should deliver a proper Health Care service but unfortunately in most cases you are requested to turn your personal information inside out. However, in the genuine cases, before disclosing personal details, you simply enter your name, some information about past medical diagnoses and email to find out more about the process before being committed to anything. This makes the process safe and easy, and gives us no reason to take a little look deeper at how we can benefit.

Take advantage from this clever and easy engine that will help you get rid of the villain of most middle class US families. Health Care is no longer something that will haunt your dreams from now on. Get the quotation with the best rates available to assure an extraordinary long and joyful life for you and your beloveds.

Hopefully, you will be more encouraged now to take advantage of this greats offers, and see how you, your family, working friends and personal friends can benefit from it once you will be saving money and enjoying a new Health care service that will attend all your expectations and don’t ever forget - Health is what we most have to care for.

Source: Articles On Insurance

Shared by:aoibin

As a demolition contractor, you understand the importance of forward planning that takes into account every possibility and ensures that you are never taken unaware by events – because you understand the possible outcomes, you can make the demolition go the way you want it to. It probably also feels like getting demolition insurance takes the same amount of planning, with you having to assess which risks your business is likely to face and which ones are not so likely.

Obviously, the starting point will be those insurance elements which are required by law, and most clients will require you to have these in place before they’ll even consider awarding you a demolition contract. Combining public, employer and product liability cover into a general liability policy can be a good idea, giving you the security of knowing that you are covered for the work you are doing now and any future impact it may have. The cost will vary according to the type of work you do, how many employees you have and the company turnover, so be sure you are accurate when negotiating with your insurance broker. Generally speaking, you’ll be covered for a minimum of £5 million for your liabilities, and you can probably double that with government or local authority contracts who will stipulate a minimum level of cover.

As for the optional items in the policy, the ones you include will often depend on the type of work you do and, unsurprisingly, the options are as varied as the work itself. There are clauses covering excavations or work done at height, asbestos clearance, pollution or other harmful substances, and just about anything else you can think of. Obviously, those might or not be relevant to your work so make sure you only add those which matter.

There are a couple of other options which can form part of a demolition insurance policy, and should be considered regardless of the type of work your demolition company does. Tools and equipment are the main things to think about here as these are often items that can be expensive to replace, and they can be covered against loss, theft, damage or total loss on or off site as you require.

As a final word, don’t be tempted to save time by buying a standard demolition insurance policy. It is by far better to get something that is tailor made to the work you are likely to be doing – just as every demolition company has a different set of risks, so should every policy. It might save you time to go for a standard package, but it probably won’t save you money and you will almost certainly be over-insured, covered for risks you just don’t face.

Source: Articles On Insurance

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Since our beginning in 1876, the Central Insurance Companies has evolved into a successful property and casualty group operating on a strong foundation of core values including Integrity in the way we operate our business; Relationships we develop working as a team and sharing in each others’ successes; and Excellence achieved by never compromising on quality, providing superior performance, and pursuing continual improvements. Our commitment to excellence is reflected in our combined assets totaling over $1 billion and our A.M. Best rating of “A” Excellent. Central’s companion stock company, All America Insurance Company, was established in April 1961 as an answer to the competitive pressures created by companies deviating from manual rates. Today, All America is a wholly-owned stock affiliate.

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The Andover Companies offers its insurance programs through three distinct companies. All three companies are managed by the same home office staff in our Andover, Massachusetts office.

Merrimack Mutual
Incorporated in 1828, the Merrimack Mutual Fire Insurance Company was the founding company of The Andover Companies. Policies were sold in Massachusetts, in the towns of Andover, Newbury, Beverly, Methuen, Newburyport, and other surrounding communities. The Company enjoyed modest prosperity in its early years. Today, Merrimack Mutual represents over half of the asset base of The Andover Companies.

Cambridge Mutual
Incorporated in 1833, Cambridge Mutual Fire Insurance Company was acquired by Merrimack Mutual in 1913. Cambridge Mutual constitutes approximately one third of the current asset base of The Andover Companies.

Bay State
Incorporated in 1955 as a stock company, Bay State expanded The Andover Companies’ market and offered an additional sales program to its valued agents.

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A.I.M. Mutual values the opportunity to provide employers with the workers compensation services they expect and deserve. We work with employers who share a genuine commitment to developing and managing all aspects of their workers compensation programs. Our service-oriented approach is unique in the industry.

From its beginnings in 1988, A.I.M. Mutual has adhered to its founding principles to provide workers compensation and employers liability insurance coverage at a level of service that sets the industry standard. What seems like a straightforward concept today was, in fact, once a visionary approach to this critical business need.

A.I.M. Mutual introduced workers compensation as a partnership between the employer and the insurer, and in short order employers welcomed the change and saw the immediate benefits. The company has grown to one of the largest regional workers compensation specialists, maintaining a major share of the Massachusetts market.

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Acadia Insurance specializes in commercial property casualty insurance. Our company began in 1992 insuring businesses in Maine. Today we offer insurance programs for small and midsize businesses throughout New England and New York State with local offices in Connecticut, Maine, Massachusetts, New Hampshire, New York and Vermont.
Closer CoverageSM
At Acadia, our mission is to provide superior service and product as close to you as possible. We believe being local doesn’t just mean being down the street. It means having a real understanding of the communities we serve. It means understanding your business and your needs, and being available to provide the best possible insurance solution. That’s why Acadia is “Closer Coverage”.
Closer Claims Service
We understand what you want most from your insurance is security and peace of mind. That means knowing you are backed by an insurance company who will support you every step of the way to help protect your business. With Acadia, not only will you get the coverage you need, but you will also receive on-site support from dedicated claims professionals to guide you through the claim process in the event of a loss. That way, you know exactly what to expect. Knowing your claims professional by name and a hand shake – that’s “Closer Coverage”.
Our Valued Partners
Independent agents provide invaluable insurance expertise to help you make the best decision for your business. That’s why we distribute our products exclusively through a network of 200+ independent agencies located in more than 600 cities and towns throughout New England and New York State. Click here to find an agent near you.
W. R. Berkley Corporation
Acadia Insurance is backed by the solid financial strength of W.R. Berkley Corporation, a Fortune 500 Company and A+ (Superior) rated carrier by A.M. Best. So you can feel confident in our long-term strength and stability.

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On January 10, 1887 in Huntington, Pennsylvania, 57 mill owners found it difficult to purchase insurance at an affordable price. The insurance companies of the day refused to write insurance on grist mills because they were dangerous and risky to insure (due to the explosive nature of grain dust).

The philosophy behind Penn Millers was to offer the best possible insurance coverage for 57 mill owners at the lowest possible cost.

The The original mill owners found that by a policy of careful selection, strict underwriting, regular inspection and engineering each risk — losses could be reduced and rates kept low. The concept caught on in 1887 and continues today.

All who work for or with the Penn Millers Group of Companies will experience the values of:

Integrity
Passion for Excellence
Creativity
High Performance
Commitment To Service

As part of the Penn Millers team you will be treated with dignity, respect and appreciation for your individual contributions.

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Peerless Insurance, headquartered in Keene, NH, provides small business insurance products and services for business owners like you. We believe that buying insurance is one of the most important decisions you’ll need to make for your business. That’s why we only sell our insurance through independent insurance agents—they are experts who will provide you with all the information you need to make the best decision for your operation.

What coverages do you need? What can you live without? What is the difference between Peerless Insurance and other carriers? These are all questions you should ask your agent and all questions that they will answer informatively.

Once you choose Peerless Insurance, you’ll know right away that you’ve made the right decision. You’ll have immediate access to our Policyholder Resource Center, which provides you with loss prevention information crucial to helping keep your business out of harm’s way. You’ll be able to sign up for our Online Billing Service Center, so you can pay bills on our website fast and easy. And if you unfortunately have a claim, you can be assured it will be handled fast, courteously and by an expert.

Also, as a member of Liberty Mutual Group, with the financial strength to deliver security and value, we offer national reach combined with local market knowledge. This means we are local so we know your business but we’re also nationally supported, so we’ll be around tomorrow. Just like we have for the last 100+ years.

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Infinity Insurance Companies

Infinity rates among the top 50 Property and Casualty Insurance companies in the country and is the second largest writer of non-standard automobile insurance through independent car insurance agents. Infinity Property & Casualty Corporation is the combination of the Infinity Insurance Companies, Atlanta Casualty Companies, Leader Insurance, Windsor Auto, and Great American Personal Lines companies was formed in December, 2002, when American Financial Group transferred to IPCC all of the outstanding common stock for these companies. In February, 2003, IPCC completed an Initial Public Offering, and its stock began selling on the NASDAQ board under the symbol IPCC.

Infinity’s long and successful history of providing quality car insurance products dates back to 1950. Infinity employs over 2100 people across the country. We provide car insurance protection for those with a proven record of accident-free driving as well as those who
have difficulty obtaining coverage due to a record of accidents or violations, their age, occupation or type of car they drive. Regardless of the reason you choose Infinity, we strive to offer excellent service. We are customer-driven and committed to giving consumers affordable car insurance coverage.

Our specialization and focus on the employee, places us among top industry leaders nationwide. We give our customers outstanding products and service that will carry them through their lifetime. At Infinity, providing great car insurance is our primary focus.

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Established in 1826, the Hingham Mutual Fire Insurance Company (now part of the Hingham Group with Danbury Insurance) has a tradition of providing financial security and superior service to our agents and policyholders. Any company that is still going strong for more than a century and a half is a good choice to handle the protection of your home, business and most prized possessions.

In today’s society there are difficult decisions and complicated choices. At the Hingham Group, we keep things uncomplicated. Our professional staff is committed to giving you the service you deserve. Whether you are a present or future policyholder, or an Independent Agency, we look forward to your business.

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At a time when many multiple line insurance companies in New England were putting tremendous pressure on their agents for a “balanced book of business” (ie: increased property business), it became increasingly evident that those companies offering primarily fire and homeowners coverage would be coming “under fire” and that it would become more and more difficult for them to maintain, let alone grow, their position in the marketplace.

With that in mind, in 1985 the Presidents of seven New England Mutual companies - Attleboro Mutual, Dorchester Mutual Insurance Company, Grange Mutual Insurance Company, Hingham Mutual Fire Insurance Company, Manufacturers & Merchants Insurnace Company/Phenix Mutual Fire Insurance Company, Mutual Fire Insurance Company of Saco, Maine, and The Providence Mutual Fire Insurance Company - met to plan a long term strategy to preserve and enhance their property writings throughout New England.

As a result of that, and many more, meetings this group formed N.E. Corporation, a holding company. The holding company, in turn, formed Casco Indemnity Company, with each of the participants at that original meeting buying various amounts of the shares made available and constituting 100% ownership. Casco’s “mission”, as stated in the minutes of a particular Board of Directors meeting, was and is “to support the Mutual company agents, the Mutual company policyholders and the general buying public.”

On June 27, 1985, Casco Indemnity Company was incorporated under the laws of the State of Maine. And on July 8th of that year we commenced business with a Certificate of Authority being granted by the State of Maine. Later, certificates of authority were issued in the remaining New England states.

At the end of our first full year of operation - 1986 - Casco was represented by less than a dozen independent agents, employed six full time people and had total writings of $93,000 of personal automobile business. We’ve come a long way since those early days to the point where at the end of 2009 - nearly twenty-five years after our incorporation - we now enjoy representation by over 170 independent agents throughout New England; we employ 23 people; we have introduced two additional product lines, and; our premium volume has grown to nearly $18,000,000! Innovative pricing and payment strategies as well as expanding use of the Internet have provided value and convenience to our over 15,500 policyholders. Our approach to handling claims has been such that we have developed a reputation of being aggressive, but fair. A conservative approach to our invested assets has allowed us to remain financially strong.

In 1994, we received our initial AM Best rating of B+ (Very Good) and have been able to enhance that rating to a B++(Very Good) since 1997. After 12 consecutive years at this rating, the company experienced two consecutive years with poor results, which has resulted in a ratings downgrade to B+. We are confident this is a temporary setback and, in time, will regain our previous rating.

So today we stand, working closely with our member company owners, our mission unchanged. We are New England’s auto insurance specialist - a strong and viable insurer providing quality personal & commercial automobile, as well as personal umbrella, protection throughout New England.

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Bunker Hill writes homeowner’s and renter’s insurance exclusively. We attribute our growth, success and financial strength to one core belief: if we work hard every day to provide extraordinary customer service – we call it True Service® – the very best homeowners and the finest independent insurance agents will bring their business to us.

Our company was started in 1996 with one objective: to become the premier provider of home insurance products in New England. We began with a promise to ourselves, our agents and our policyholders:
hire smart, capable people dedicated to providing exceptional service
offer state of the art technology for fast, accurate processing
deliver claim services that would make our customers’ lives easier when they need us most.

Today, Bunker Hill insurance protects over 50,000 families from damage due to fire, theft or accident. We’ve expanded from Massachusetts into Connecticut. Our agents and policyholders are among the most loyal in the industry. And, our employees enjoy a stable, thriving workplace.

We want to provide our exceptional services to you. Speak to your local independent insurance agent about whether they offer homeowner’s insurance from Bunker Hill.

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The Main Street America Group started in 1923 with the founding of National Grange Mutual Insurance Company (NGM), which was created to provide affordable insurance coverage to Grange Fraternity members in New Hampshire. In 2005, the mutual insurance company became NGM Insurance Company with the conversion to a mutual holding company structure and the formation of Main Street America Group Inc. Today, Main Street America operates in 24 states and annually writes more than $815 million in premium.

Based in Jacksonville, Fla., Main Street America offers a wide range of commercial and personal insurance, and fidelity and surety bond products to “Main Street” individuals, families and businesses. A.M. Best Company rates Main Street America as an “A” (Excellent). Main Street America is the founding company partner of Trusted Choice®, the global branding program of the Independent Insurance Agents & Brokers of America.

Through the following six property-casualty insurance carriers, Main Street America partners with more than 1,500 independent agents to provide superior, personal service to more than 600,000 policyholders.

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RLI is a specialty insurance company that has been successful for 45 years. Ours is a diversified portfolio of property and casualty coverages and surety bonds serving ‘‘niche’’ or underserved markets.

We operate in all 50 states from office locations across the country. Our talented associates have delivered underwriting profits in 29 of the last 33 years, including the last 14 consecutively.

Our insurance subsidiaries are rated A+ ‘‘Superior’’ by A.M. Best Company and A+ ‘‘Strong’’ by Standard & Poor’s.

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Located just North of Philadelphia, Grundy Worldwide was Established In 1947. Since then, Grundy Worldwide’s program has insured more than 1,500,000 collector vehicles through leading A++ and A+ rated carriers. Grundy Worldwide is the fastest growing insurer of collector cars. Many collectors and their agents consider Grundy Worldwide to be the pre-eminent agency for serving the serious collector.

Experience The Grundy Agency Difference

Whether your collection consists of one car or twenty-five, Grundy Worldwide knows how important your car or collection is to you. Our office staff will consult on values, issue policies immediately upon application acceptance, and update policies in just minutes should you request a coverage change. Committed to outstanding service, assistance is always only a phone call or e-mail away.

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Safety Insurance was founded in 1979 with a belief that we would succeed as a company if customers were given the best possible service. As we’ve grown and expanded our product line to include a full range of property and casualty insurance products, staying committed to that belief has meant even more.

At Safety, we do everything in our power to make it easy for our agents and policyholders to do business with us; and we also do all we can to ensure our clients have the skills to avoid dangerous driving situations and keep their loved ones safe whenever they’re on the road.

Today, Safety is the second largest private passenger automobile carrier and the third largest commercial automobile carrier in Massachusetts. We work hard to process your business more quickly and easily than other companies in Massachusetts.

We listen carefully when you contact us, and we respond to your suggestions. We support our network of independent agents by providing them with state-of-the-art tools that make it easy to do business.

We provide our customers with comprehensive information about safe driving. Through a unique partnership with Safe Roads Alliance and In Control Advanced Driver Training, Safety Insurance keeps customers informed about issues affecting driver safety, and helps ensure that all drivers have the experience they need to handle the most challenging driving situations.

Together with our agents and partners, Safety Insurance remains a premier provider of auto and home owner insurance in Massachusetts. We will continue this tradition in the future together with our policy holders, agents and partners.

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The Commerce Insurance Company provides personal and commercial property and casualty insurance in Massachusetts and New Hampshire. Our core product lines include personal automobile, homeowners, and commercial automobile insurance. In Massachusetts, Commerce Insurance is the leading provider of both private passenger and homeowners insurance and is the second leading provider of commercial automobile insurance. Commerce markets our products exclusively through professional independent agents who are conveniently located throughout Massachusetts and New Hampshire.

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HASTINGS, MI–(Marketwire - June 10, 2010) - Hastings Mutual Insurance Company, a regional Property Casualty insurance organization, now serves six states in the Midwest. Beginning April, 2010, Hastings Mutual began offering farm, commercial and personal insurance products exclusively through their independent agency partnerships.

This is an exciting development for the 125 year old company. Dan Hill, Vice President of Marketing, states, “Expanding our national reach was a decision we did not take lightly. We spent a considerable amount of time ensuring a new state addition would blend well into Hastings Mutual’s current market mix. We take pride in our financial strength and we know Iowa will offer us the opportunity to grow while providing exceptional coverage and service.”

The company will use their existing business model to begin operations. This includes territory managers who are responsible for developing and maintaining independent agency partnerships. Vallery Jameson is Hastings Mutual’s first hire in Iowa. She has 14 years of insurance experience with agricultural and commercial lines focus. As the new territory manager, Vallery commented, “I am excited to begin developing relationships with independent agents. I have had the privilege to work with many of these same individuals in the past and I am eager to introduce all of Hastings Mutual’s products and benefits to Iowa.”

Hastings Mutual Insurance Company is planning on developing additional staff in Iowa to ensure quality services and customer satisfaction.

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In 1983, Frank and Louise Hagerty realized that appropriate insurance coverage for their collector wooden boats didn’t exist. So — armed with years of general-lines insurance experience — the Hagerty’s launched a revolutionary agreed value policy for collector boats. Within a few years, half of the vintage boat owners in the country were Hagerty clients.

In 1991, Hagerty created a similar product for collector cars. And in 1995 two of Frank and Louise’s three children, Kim and McKeel, came home to run the family business - despite their vows to never make a career of insurance! Together they’ve overseen the company’s tremendous growth, which has been supported by a great product, exceptional client service, cutting-edge technology, creative marketing and, of course, intelligent, forward-thinking and hard-working employees. In 25 years, Hagerty has grown from a small agency headquartered in the Hagerty family basement to the leading provider of collector car and boat insurance in the world!

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Here are four good reasons to choose Titan:

1. Great coverage at an affordable rate.
We know you have more to spend your money on than car insurance. That’s why Titan offers great insurance for less than $2 a day, So you can save your money for the things that are most important to you.

2. Customer service you can count on.
Need help understanding what you’re paying for? Have a question about a claim? Just call us. We’re here to help. Whether it’s helping to make insurance simple or assisting you with getting a claim processed quickly, you can count on Titan customer service.

3. Convenient locations.
Need to stop in to see us personally? Just drop by one of our many locations. Your local Titan agent will be happy to speak with you.

4. Titan is part of the Nationwide family of companies.
Titan is affiliated with Nationwide Insurance, one of the largest insurance and financial services companies in the world. Nationwide has been helping customers protect what’s most important to them and providing outstanding insurance customer service for more than 80 years.

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Western National Insurance Group is a private mutual insurer with over 100 years of experience serving policyholders’ property and casualty insurance needs. From our roots as a St. Paul-based fire insurer for Minnesota’s creameries and cheese factories, to our current role as a super-regional insurer for individuals, families, and businesses all over the Midwestern and Northwestern United States, our company has always defined success as a measure of the relationships we’ve built over time. We believe it’s this commitment to relationships that explains our stability and growth over the past century, and which will continue to do so in the years to come.

At Western National, we distribute our policies exclusively through independent insurance agents—professionals who are focused on your insurance needs, not ours. We are proud supporters of our independent insurance agency partners and their regional associations.

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We are a highly successful niche carrier with a big vision and a proven track record of success.

Our growth and profitability are attributable to a focus on value for policyholders and agents. This focus on “value” evolved into the “Society Insurance Value Proposition”, a formalized statement of the value we provide beyond competitive pricing. Elements of the value proposition include:
Exceptional expertise in target niche business classes
Outstanding insurance programs
Relationships with trade associations in our core business segments
Customer-based risk control
Uncommon claims handling
An accessible and responsive corporate culture
We have never put much stock in being all things to all insureds. Instead we concentrate on what we do best. And because we focus on niche markets, we understand our clients’ businesses and have uncommon knowledge and experience with issues that are likely to arise.

We continue to focus on serving small-to-midsize niche businesses that comprise main street America. We offer target programs and products for restaurants, taverns, motels, grocery stores, medical clinics, artisan contractors and cleaning services. This focus on specific businesses and uncommonly strong core-insurance functions of claims handling, underwriting and risk control, have led to long-standing relationships with and endorsements from a number of trade associations representing the niche markets that we serve.

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Seneca, Sigel Mutual Insurance Co has been serving the area since 1891. We strive to provide the best possible coverage based on each individual risk, at a fair price. We pride ourselves in maintaining an ongoing inspection program as well as providing fast, fair and courteous service to our insureds.

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SECURA Insurance is a mutual, property and casualty insurance company known for providing exceptional service to policyholders and agents. As a super-regional carrier, we partner with only the best independent agents in our 13 states – Arizona, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, North Dakota, Pennsylvania, and Wisconsin.

Our history is rooted in Wisconsin, where we’ve enjoyed more than a century of proven performance in the insurance industry. SECURA was founded as The Farmers Home Mutual Hail, Tornado, and Cyclone Insurance Company of Seymour, Wisconsin in 1900. Over the years, we’ve grown and expanded to our current robust commercial, personal, and farm products and services.

We became SECURA Insurance in 1986. Today, SECURA is a strong and stable company, rated “A” by A.M. Best, signifying excellent financial strength.

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Wisconsin Mutual Insurance Company was organized in 1903 under the name of Wisconsin Tornado Mutual Insurance Company. Initially located in Milton, Wisconsin, the company changed to its current name and moved operations to Madison in 1946. After occupying an office on 1619 Monroe Street for 32 years, the company constructed and moved to the current location in Old Sauk Trails Park, 8201 Excelsior Drive, in 1990. Wisconsin Mutual was organized as a mutual company and continues to operate as one, being fully owned by its policyholders.

The company writes business only in the state of Wisconsin, utilizing over 1,000 agents in 200 agencies. Wisconsin Mutual insures 36,000 properties and 65,000 automobiles in the state with policies written in every county. The company handles all but a few of its claims out of the 6 adjuster offices located throughout the state and the Madison home office. With more than 250 insurance companies writing private passenger automobile coverage in Wisconsin, Wisconsin Mutual ranks 14th in direct written premiums. The company is also one of the top writers in property coverage being 9th in Homeowner premiums and 14th in Farmowner premiums.

In addition to the Automobile, Homeowner and Farmowner packages, the company also writes Fire and Extended Coverage, Commercial Packages, Mobile Homeowner, Umbrella and Other Liability coverages, along with Boats, Recreational Vehicles and other Personal Inland Marine items.

Wisconsin Mutual has experienced an extended period of consistent growth recording increased direct premiums in 31 out of the past 33 years.. Profitability has also been exceptional as the company marked its 17th year in a row of surplus growth and 21 out of the last 22 years.

With the steady growth of profitable business, Wisconsin Mutual has also retained one of the best operating expense ratios in the industry providing consumers more value for their insurance dollar with a secure Wisconsin based company.

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Partners Mutual Insurance Company is a Midwest-based organization that writes auto, homeowners, and commercial policies for individuals and businesses in Wisconsin, Iowa, and Michigan. Our name indicates our desire to serve our policyholders as partners in offering a complete line of insurance services, from the writing of your policy to prompt claim payment.

Serving Independent Agents as Partners
Agents representing Partners Mutual can do so with confidence, knowing the sound business philosophy and well-accepted practices that prevail assure a pleasant and profitable agency affiliation.

Fast service and consideration for all aspects of our business — underwriting — marketing — claims— are administered with the best interests of our agents and insureds in mind.

Partners Mutual is better for independent agents because we provide better service than our competitors. We also provide exceptional turnaround time for claims. The difference is that we don’t just claim to be better, we have the systems in place to support it.

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General Casualty is a property and casualty insurance provider headquartered in Sun Prairie, Wis. We operate exclusively through the independent agency system and offer a complete line of property and casualty insurance products for homes, autos and businesses. Approximately 1,300 independent insurance agencies market General Casualty products in 25 states.

We are rated “A” (Excellent) by insurance industry analyst A.M. Best, and we are known for our financial strength, quality products, superior claims service and strong agency partnerships.