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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.
Carrier names and logos are trademarks of their respective owners and are used to identify the companies Betters Insurance is appointed 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.
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.
TravelersOne of the largest U.S. carriers for commercial and personal lines, with broad appetite for small-business packages, property, workers' compensation and auto.
ProgressivePersonal auto and commercial auto, including business vehicles and small fleets.
GEICOPersonal 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 HartfordA 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 InsurancePersonal auto insurance priced largely on how you drive, through a usage-based app.
And more. We add markets as the book requires; if a carrier you prefer is not listed, ask.
How we choose
The market picks itself, if you know the markets.
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 get better terms and faster answers.
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.
Not sure which carrier fits?
Send us what you have and we will tell you which markets we would approach, and why.