Every day, you’re bombarded with 800-number and Internet insurance sales pitches talking about the cheapest price. The best deal around, they say.

But then you have a question about your coverage. Or you have a claim. You want to speak to an expert face-to-face, not a different person in a different state every time you call. You want someone in your community who knows and understands you and what you need. You want an advocate.

You need the personal service that only an independent agent can provide.

Matching you with the right insurance
An independent agent doesn’t work for a specific insurance company. Your independent agent serves as an insurance consultant and insurance shopper, matching you with the right insurance company. The best insurance coverage at the best price to meet your needs.

Superb agency force
We have carefully selected the finest independent insurance agencies to represent us. To find an agent near you, use the Agent Finder box at the right of this screen. These insurance professionals are part of your community. They understand your local needs, and they are close by, ready to serve you.

Strong history, strong finances
We’ve been taking care of our customers since 1919, and we back our promise of protection with our strong financial position.

We respond to your local needs
We concentrate our attention on the nine states we serve, while some national companies become distracted by the complexities of managing a national operation. Our regional structure allows us to respond to our customers’ needs state-by-state, and even county-by-county. Our underwriters and claims adjusters are close to our customers, ready to serve you when you need us most.

Extra convenience, Web-delivered
We offer convenient, Web-delivered services to our policyholders, including online payments, payment information and policy management services. This Web-delivered service allows you to interact with us 24 hours a day, 7 days a week. Since we need to be available when it’s convenient for you.

Outstanding claims service
We hope that you won’t ever have to file a claim. But if you do, we assure you outstanding claims service. Our customer service standards call for prompt, same-day contact with our claimants and fast, fair, courteous claims adjusting. We regularly measure our performance through research with our policyholders who file claims, with our agents, and with third-party claimants, and we are pleased to report high customer satisfaction across the board. We are continuously seeking new opportunities to enhance our claims service, because when it comes right down to it, that’s what counts most to our customers.