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Carriers

Carriers we represent

As an independent agency we are appointed with multiple carriers and place each risk with the market whose appetite, form and price fit it. These are some of the companies we work with.

Who writes what

A short guide to each carrier

General descriptions of each company's market. Which carrier is right for your account depends on the risk, the state and the carrier's current appetite.

  • Travelers
    Travelers

    One of the largest U.S. carriers for commercial and personal lines, with broad appetite for small-business packages, property, workers' compensation and auto.

  • Progressive
    Progressive

    Personal auto and commercial auto, including business vehicles and small fleets.

  • GEICO
    GEICO

    Personal auto, with umbrella and other personal lines options.

  • Chubb
    Chubb

    Specialty commercial lines including media, professional and cyber liability, and high-value homeowners, auto and valuables for personal clients.

  • Nationwide
    Nationwide

    Commercial and personal lines with a broad small-business appetite, including business owner's policies and commercial auto.

  • Liberty Mutual
    Liberty Mutual

    Personal auto, home and umbrella, and commercial lines for small and mid-size businesses.

  • The Hartford
    The Hartford

    A small-business specialist: business owner's policies, workers' compensation, professional liability and commercial auto.

  • Beazley
    Beazley

    A specialist in professional, media, technology and cyber liability, including coverage written for content and creative businesses.

  • Root Insurance
    Root Insurance

    Personal auto insurance priced largely on how you drive, through a usage-based app.

More companies we work with

Grouped by what they write.

Business and specialty

  • Hiscox
    Hiscox

    Professional liability and small business policies, and media liability including annual production (DICE) policies.

  • New York Marine and General
    New York Marine and General

    Specialty insurance for film and production companies.

  • Lloyd's of London
    Lloyd's of London

    The London specialty market, for unusual risks that standard insurers decline.

  • Berkshire Hathaway Homestate Companies
    Berkshire Hathaway Homestate Companies

    Workers' compensation and commercial lines.

  • Great American Insurance
    Great American Insurance

    Specialty commercial lines.

  • Allianz
    Allianz

    Commercial and specialty lines from a global insurer.

  • USLI
    USLI

    Specialty policies for small businesses and risks that are hard to place.

  • RLI
    RLI

    Specialty commercial and personal lines, including personal umbrella.

  • Atlantic Casualty Insurance Company
    Atlantic Casualty Insurance Company

    Surplus-lines general liability for businesses that standard insurers decline.

  • Spinnaker Insurance Company
    Spinnaker Insurance Company

    A specialty insurer behind several of the programs we use.

  • Coterie
    Coterie

    Small business policies quoted and issued online.

  • NEXT Insurance
    NEXT Insurance

    Small business insurance online: general liability, professional liability, workers' compensation and commercial auto.

  • Slice
    Slice

    Workers' compensation.

Cyber

  • At-Bay
    At-Bay

    Cyber insurance for small and mid-size businesses.

  • Cowbell
    Cowbell

    Cyber insurance only.

Personal lines

  • National General
    National General

    Personal auto and home.

  • Bristol West
    Bristol West

    Personal auto.

  • Foremost
    Foremost

    Mobile and manufactured homes, specialty homes, motorcycles, boats, RVs and collector vehicles.

  • Mile Auto
    Mile Auto

    Pay-per-mile personal auto insurance for people who drive less.

  • Openly
    Openly

    Homeowners insurance.

  • Stillwater
    Stillwater

    Home and auto.

  • Jewelers Mutual
    Jewelers Mutual

    Jewelry insurance, including engagement rings and watches.

  • Pouch
    Pouch

    Pet insurance.

  • Allianz Travel Insurance
    Allianz Travel Insurance

    Travel insurance: trip cancellation, medical care away from home and baggage.

Beyond the policy

  • RateLock premium protection
    RateLock premium protection

    Premium protection for eligible policies. Ask us whether yours qualifies.

  • Arkay Auto
    Arkay Auto

    Mechanical repair protection for vehicles, offered alongside auto policies without a long-term contract. Quote it online (opens in a new tab).

We add markets as our clients' needs require; if a company you prefer is not listed, ask.

Carrier names and logos are trademarks of their respective owners and are used to identify the companies Betters Insurance works with. Appointments vary by state and line of business. The availability of any carrier for a particular risk is subject to that carrier's underwriting.

How we choose

How we choose a carrier

Each carrier has an appetite: the classes, sizes and states it wants to write, and the ones it does not.

Our job is to know those appetites and send your submission to the carriers that will take it seriously, rather than to every carrier at once. Fewer, better-placed submissions usually get a faster and more careful answer.

When a standard carrier declines, we go to specialty and surplus-lines markets. Surplus-lines placements are disclosed in writing, as state law requires, because those carriers are regulated differently from admitted ones.

Ask which carrier fits

Send us what you have and we will tell you which markets we would approach, and why.