INSURANCE CARRIER
Auto-Owners Commercial Insurance
Auto-Owners Insurance Group, headquartered in Lansing, Michigan, writes commercial property, general liability, business owners policy, workers compensation, commercial auto, commercial umbrella, and farm coverage through independent agents in 26 states.
Commercial Lines
- File a claim 888-252-4626 · 24/7 phone (Auto-Owners direct)
- Online Account & claims portal
- After hoursFor claims, call 888-252-4626 directly.
Coverage Focus
What this carrier writes
Overview
About This Carrier
Auto-Owners Insurance Group, headquartered in Lansing, Michigan, writes commercial property, general liability, business owners policy, workers compensation, commercial auto, commercial umbrella, and farm coverage through independent agents in 26 states. Their commercial appetite focuses on small to mid-market accounts in standard preferred classes, with particular strength in main street retail, professional services, light contracting, light manufacturing, and small farm operations. Auto-Owners writes through independent agents with a conservative-growth model and dedicated commercial claims handling.
Strengths
What This Carrier Does Well
Strong small to mid-market commercial appetite with conservative underwriting and multi-year account retention
Dedicated commercial claims handling across small commercial and mid-market segments
Particular strength in main street retail, professional services, light contracting, and small farm operations
Limitations to Know
Where They Fall Short
Independent-agent-only distribution means carrier-specific agent placement required for direct binding
Less aggressive on first-year pricing compared to volume-focused commercial carriers
Less aggressive on first-year pricing compared to volume-focused commercial carriers
Right Fit
Who They Are Best For
Best Fit For
Auto-Owners fits accounts with clean loss history and conservative growth profiles.
Not a Good Fit For
Larger commercial accounts, specialty or surplus lines risks, businesses outside Auto-Owners' 26-state footprint, technology and life sciences specialty, and non-standard commercial risks.
Appetite & Coverage
What They Write
- Line of Business
- Commercial Lines
- Coverage Types
- Business owners policy, commercial property, commercial general liability, workers compensation, commercial auto, commercial umbrella, farm and ranch, inland marine, equipment breakdown
- Carrier's Licensed States
- 26 states
- Personal Lines States
- Auto-Owners writes personal lines in 26 states.
- Commercial Lines States
- Auto-Owners writes commercial lines in 26 states.
- Max Business Revenue
- Refer to carrier overview for appetite
- Industry Classes
- Refer to carrier overview for industry positioning.
Pricing & Claims
What to Expect
Best Pricing For
Auto-Owners often wins on multi-year retention pricing rather than aggressive first-year competition.
Pricing Context
Auto-Owners Commercial pricing sits in the standard preferred mid-market range.
Claims Experience
Auto-Owners handles commercial claims across both small commercial and mid-market segments with an admitted carrier approach to claims processing. Admitted Status: Admitted carrier for all commercial lines. Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy. Verify this carrier's license with your state insurance department
Admitted Status: Admitted carrier for all commercial lines.
Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Quick Facts