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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
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
Personal auto and commercial auto, including business vehicles and small fleets.
- GEICO
Personal auto, with umbrella and other personal lines options.
ChubbSpecialty commercial lines including media, professional and cyber liability, and high-value homeowners, auto and valuables for personal clients.
- NationwideNationwide
Commercial and personal lines with a broad small-business appetite, including business owner's policies and commercial auto.
- Liberty MutualLiberty Mutual
Personal auto, home and umbrella, and commercial lines for small and mid-size businesses.
- The Hartford
A small-business specialist: business owner's policies, workers' compensation, professional liability and commercial auto.
- BeazleyBeazley
A specialist in professional, media, technology and cyber liability, including coverage written for content and creative businesses.
- 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
- HiscoxHiscox
Professional liability and small business policies, and media liability including annual production (DICE) policies.
- New York Marine and GeneralNew York Marine and General
Specialty insurance for film and production companies.
- Lloyd's of LondonLloyd's of London
The London specialty market, for unusual risks that standard insurers decline.
- Berkshire Hathaway Homestate CompaniesBerkshire Hathaway Homestate Companies
Workers' compensation and commercial lines.
- Great American InsuranceGreat American Insurance
Specialty commercial lines.
- AllianzAllianz
Commercial and specialty lines from a global insurer.
- USLIUSLI
Specialty policies for small businesses and risks that are hard to place.
- RLIRLI
Specialty commercial and personal lines, including personal umbrella.
- Atlantic Casualty Insurance CompanyAtlantic Casualty Insurance Company
Surplus-lines general liability for businesses that standard insurers decline.
- Spinnaker Insurance CompanySpinnaker Insurance Company
A specialty insurer behind several of the programs we use.
- CoterieCoterie
Small business policies quoted and issued online.
- NEXT InsuranceNEXT Insurance
Small business insurance online: general liability, professional liability, workers' compensation and commercial auto.
- SliceSlice
Workers' compensation.
Cyber
- At-BayAt-Bay
Cyber insurance for small and mid-size businesses.
- CowbellCowbell
Cyber insurance only.
Personal lines
- National GeneralNational General
Personal auto and home.
- Bristol WestBristol West
Personal auto.
- ForemostForemost
Mobile and manufactured homes, specialty homes, motorcycles, boats, RVs and collector vehicles.
- Mile AutoMile Auto
Pay-per-mile personal auto insurance for people who drive less.
- OpenlyOpenly
Homeowners insurance.
- StillwaterStillwater
Home and auto.
- Jewelers MutualJewelers Mutual
Jewelry insurance, including engagement rings and watches.
- PouchPouch
Pet insurance.
- Allianz Travel InsuranceAllianz Travel Insurance
Travel insurance: trip cancellation, medical care away from home and baggage.
Beyond the policy
- RateLock premium protectionRateLock premium protection
Premium protection for eligible policies. Ask us whether yours qualifies.
- Arkay AutoArkay 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.